Mazda RX-8 Insurance Rates
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UPDATED: May 12, 2022
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Estimated insurance rates for a Mazda RX-8 are $1,014 a year for full coverage insurance. Comprehensive insurance costs around $178, collision costs $218, and liability costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing $2,174 or more. 16-year-old drivers pay the most at $4,048 a year or more.
Average premium for full coverage: $1,014
Premium estimates for type of coverage:
Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different RX-8 trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Mazda RX-8 go from the low end price of $510 for just liability insurance to a much higher rate of $2,174 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities.
The price range example below illustrates how where you live affects auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates estimated Mazda RX-8 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $618
- Using higher $1,000 deductibles will save about $90 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,014
- Buying more expensive low deductibles for physical damage coverage will cost an additional $172 annually
- High-risk insureds with multiple tickets or accidents could pay at least $2,174 or more
- An auto insurance policy that insures a 16-year-old driver with full coverage can be $4,048 or more
Car insurance prices for a Mazda RX-8 also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can be from 42% to 132% more than the average rate. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,000 a year. View Rates by Age
Where you choose to live has a huge impact on Mazda RX-8 insurance prices. A driver around age 40 might see prices as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,370 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $918 | -$96 | -9.5% |
| Alaska | $778 | -$236 | -23.3% |
| Arizona | $844 | -$170 | -16.8% |
| Arkansas | $1,014 | -$0 | 0.0% |
| California | $1,156 | $142 | 14.0% |
| Colorado | $970 | -$44 | -4.3% |
| Connecticut | $1,042 | $28 | 2.8% |
| Delaware | $1,150 | $136 | 13.4% |
| Florida | $1,270 | $256 | 25.2% |
| Georgia | $936 | -$78 | -7.7% |
| Hawaii | $730 | -$284 | -28.0% |
| Idaho | $686 | -$328 | -32.3% |
| Illinois | $756 | -$258 | -25.4% |
| Indiana | $762 | -$252 | -24.9% |
| Iowa | $684 | -$330 | -32.5% |
| Kansas | $964 | -$50 | -4.9% |
| Kentucky | $1,384 | $370 | 36.5% |
| Louisiana | $1,502 | $488 | 48.1% |
| Maine | $626 | -$388 | -38.3% |
| Maryland | $836 | -$178 | -17.6% |
| Massachusetts | $812 | -$202 | -19.9% |
| Michigan | $1,764 | $750 | 74.0% |
| Minnesota | $850 | -$164 | -16.2% |
| Mississippi | $1,216 | $202 | 19.9% |
| Missouri | $900 | -$114 | -11.2% |
| Montana | $1,092 | $78 | 7.7% |
| Nebraska | $800 | -$214 | -21.1% |
| Nevada | $1,218 | $204 | 20.1% |
| New Hampshire | $732 | -$282 | -27.8% |
| New Jersey | $1,134 | $120 | 11.8% |
| New Mexico | $900 | -$114 | -11.2% |
| New York | $1,070 | $56 | 5.5% |
| North Carolina | $584 | -$430 | -42.4% |
| North Dakota | $832 | -$182 | -17.9% |
| Ohio | $700 | -$314 | -31.0% |
| Oklahoma | $1,042 | $28 | 2.8% |
| Oregon | $930 | -$84 | -8.3% |
| Pennsylvania | $968 | -$46 | -4.5% |
| Rhode Island | $1,356 | $342 | 33.7% |
| South Carolina | $920 | -$94 | -9.3% |
| South Dakota | $856 | -$158 | -15.6% |
| Tennessee | $890 | -$124 | -12.2% |
| Texas | $1,224 | $210 | 20.7% |
| Utah | $752 | -$262 | -25.8% |
| Vermont | $696 | -$318 | -31.4% |
| Virginia | $608 | -$406 | -40.0% |
| Washington | $786 | -$228 | -22.5% |
| West Virginia | $930 | -$84 | -8.3% |
| Wisconsin | $704 | -$310 | -30.6% |
| Wyoming | $904 | -$110 | -10.8% |
Opting for high physical damage deductibles could cut prices by as much as $270 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $998 | $83 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $1,014 | $85 |
| Mazda RX-8 R3 4-Dr Coupe | $1,014 | $85 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2006 Mazda RX-8 | $178 | $218 | $460 | $1,014 |
| 2004 Mazda RX-8 | $160 | $198 | $446 | $962 |
Rates are averaged for all Mazda RX-8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Mazda RX-8 Insurance
Finding better rates on insurance for a Mazda RX-8 requires being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Comparison shop at every policy renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
Below is a condensed summary of the data touched on in the above illustrations.
- Insureds who may need higher levels of liability will pay around $510 annually to increase from 30/60 bodily injury limits to the 250/500 level
- It is possible to save up to $110 per year simply by shopping early and online
- Increasing policy deductibles can save approximately $250 each year
- Teenage drivers are the costliest to insure, with premiums being up to $337 per month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,048 |
| 20 | $2,310 |
| 30 | $1,034 |
| 40 | $1,014 |
| 50 | $930 |
| 60 | $910 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,186 |
| $250 | $1,108 |
| $500 | $1,014 |
| $1,000 | $924 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,014 |
| 50/100 | $1,106 |
| 100/300 | $1,221 |
| 250/500 | $1,520 |
| 100 CSL | $1,152 |
| 300 CSL | $1,405 |
| 500 CSL | $1,589 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,702 |
| 20 | $3,676 |
| 30 | $2,196 |
| 40 | $2,174 |
| 50 | $2,078 |
| 60 | $2,058 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $37 |
| Advance Quote | $44 |
| Online Quote | $68 |
| Total Discounts | $396 |
Discounts are estimated and may not be available from every company or in every state.
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