Mazda RX-8 Insurance Rates

Estimated insurance rates for a Mazda RX-8 are $962 a year including full coverage. Comprehensive insurance costs on average $160, collision costs $198, and liability coverage costs $446. A liability-only policy costs as little as $500 a year, with high-risk insurance costing $2,066 or more. Teenage drivers pay the most at $3,882 a year or more.

Average premium for full coverage: $962

Premium estimates by type of coverage:

Includes $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all RX-8 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference location can make on car insurance rates.

These rate differences highlight why everyone should compare rates based on a specific location, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down estimated Mazda RX-8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $590
• Drivers who choose higher $1,000 deductibles will pay around $82 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $962
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $156 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,066 or more
• An auto insurance policy that insures a teenage driver for full coverage may cost $3,882 a year

View Chart as Image

Auto insurance prices for a Mazda RX-8 also have a wide range based on the model of your RX-8, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,100 to $1,600 in extra premium annually, depending on your age. Mazda RX-8 insurance for high-risk drivers can cost around 41% to 127% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $3,800 a year. View Rates by Age

Where you choose to live makes a big difference in Mazda RX-8 insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $240 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $402 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2006 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Cheapest Mazda RX-8 Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also maintaining a good credit score, refrain from filing small claims, and taking advantage of discounts. Compare prices at least every other year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a recap of the car insurance concepts touched on in this article.

• Drivers that have major violations or accidents could be forced to pay on average $1,100 more each year to buy Mazda RX-8 insurance
• You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $250 each year
• Consumers who require increased levels of liability coverage will pay an extra $490 per year to go from 30/60 bodily injury limits to the 250/500 level