Mazda RX-8 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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Average insurance prices for a Mazda RX-8 are $942 every 12 months for full coverage. Comprehensive insurance costs on average $154, collision costs $188, and liability coverage is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing $2,020 or more. 16-year-old drivers receive the highest rates at $3,814 a year or more.
Average premium for full coverage: $942
Rate estimates by individual coverage type:
Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different RX-8 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $496 for basic liability insurance to a much higher rate of $2,020 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than congested cities.
The price range example below illustrates how where you live affects car insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than using 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.
Rate Comparisons
The chart below shows estimated Mazda RX-8 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $578
- Raising to $1,000 deductibles will save around $78 a year
- The average price for a 40-year-old driver with $500 deductibles is $942
- Buying more expensive low deductibles costs an extra $148 each year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,020 or more
- The cost to insure a teenage driver with full coverage may cost $3,814
Insurance rates for a Mazda RX-8 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your RX-8.
Opting for high physical damage deductibles can reduce rates by up to $230 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $3,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,600 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 130% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Mazda RX-8 insurance rates. A middle-age driver might find rates as low as $620 a year in states like Idaho, Maine, and Iowa, or at least $1,350 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $854 | -$88 | -9.3% |
| Alaska | $724 | -$218 | -23.1% |
| Arizona | $784 | -$158 | -16.8% |
| Arkansas | $942 | -$0 | 0.0% |
| California | $1,074 | $132 | 14.0% |
| Colorado | $902 | -$40 | -4.2% |
| Connecticut | $970 | $28 | 3.0% |
| Delaware | $1,066 | $124 | 13.2% |
| Florida | $1,182 | $240 | 25.5% |
| Georgia | $870 | -$72 | -7.6% |
| Hawaii | $680 | -$262 | -27.8% |
| Idaho | $638 | -$304 | -32.3% |
| Illinois | $704 | -$238 | -25.3% |
| Indiana | $710 | -$232 | -24.6% |
| Iowa | $636 | -$306 | -32.5% |
| Kansas | $896 | -$46 | -4.9% |
| Kentucky | $1,286 | $344 | 36.5% |
| Louisiana | $1,396 | $454 | 48.2% |
| Maine | $582 | -$360 | -38.2% |
| Maryland | $780 | -$162 | -17.2% |
| Massachusetts | $756 | -$186 | -19.7% |
| Michigan | $1,638 | $696 | 73.9% |
| Minnesota | $790 | -$152 | -16.1% |
| Mississippi | $1,132 | $190 | 20.2% |
| Missouri | $838 | -$104 | -11.0% |
| Montana | $1,014 | $72 | 7.6% |
| Nebraska | $744 | -$198 | -21.0% |
| Nevada | $1,132 | $190 | 20.2% |
| New Hampshire | $680 | -$262 | -27.8% |
| New Jersey | $1,054 | $112 | 11.9% |
| New Mexico | $834 | -$108 | -11.5% |
| New York | $994 | $52 | 5.5% |
| North Carolina | $544 | -$398 | -42.3% |
| North Dakota | $772 | -$170 | -18.0% |
| Ohio | $652 | -$290 | -30.8% |
| Oklahoma | $970 | $28 | 3.0% |
| Oregon | $864 | -$78 | -8.3% |
| Pennsylvania | $902 | -$40 | -4.2% |
| Rhode Island | $1,260 | $318 | 33.8% |
| South Carolina | $854 | -$88 | -9.3% |
| South Dakota | $796 | -$146 | -15.5% |
| Tennessee | $828 | -$114 | -12.1% |
| Texas | $1,136 | $194 | 20.6% |
| Utah | $700 | -$242 | -25.7% |
| Vermont | $646 | -$296 | -31.4% |
| Virginia | $564 | -$378 | -40.1% |
| Washington | $732 | -$210 | -22.3% |
| West Virginia | $864 | -$78 | -8.3% |
| Wisconsin | $654 | -$288 | -30.6% |
| Wyoming | $842 | -$100 | -10.6% |
With so much variability in rates, the only way to know exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $930 | $78 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $942 | $79 |
| Mazda RX-8 R3 4-Dr Coupe | $942 | $79 |
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 |
|---|---|---|---|---|
| 2010 Mazda RX-8 | $180 | $224 | $468 | $1,030 |
| 2006 Mazda RX-8 | $154 | $188 | $442 | $942 |
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 Shop for Cheaper Mazda RX-8 Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Take the time to comparison shop every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a condensed summary of the ideas that were touched on in the above illustrations.
- Teenage drivers pay higher rates, costing as high as $318 per month if full coverage is included
- Drivers with multiple at-fault accidents pay an average of $1,080 more each year for auto insurance
- Increasing deductibles could save as much as $225 each year
- Drivers can save as much as $100 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,814 |
| 20 | $2,150 |
| 30 | $958 |
| 40 | $942 |
| 50 | $866 |
| 60 | $848 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,090 |
| $250 | $1,024 |
| $500 | $942 |
| $1,000 | $864 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $942 |
| 50/100 | $1,030 |
| 100/300 | $1,141 |
| 250/500 | $1,428 |
| 100 CSL | $1,075 |
| 300 CSL | $1,318 |
| 500 CSL | $1,495 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,356 |
| 20 | $3,422 |
| 30 | $2,036 |
| 40 | $2,020 |
| 50 | $1,932 |
| 60 | $1,912 |
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 | $47 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $56 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $33 |
| Advance Quote | $40 |
| Online Quote | $63 |
| Total Discounts | $364 |
Discounts are estimated and may not be available from every company or in every state.
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