Mazda RX-8 Insurance Rates

Average insurance prices for a Mazda RX-8 are $942 every 12 months for full coverage insurance. Comprehensive costs approximately $154, collision costs $188, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $2,020. Teens receive the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different RX-8 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Mazda RX-8 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $578
• Drivers who choose higher $1,000 deductibles will pay $78 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $942
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,090
• High risk drivers with serious driving violations could pay around $2,020 or more
• The cost to insure a teen driver with full coverage can cost $3,814 a year

View Chart as Image

Insurance rates for a Mazda RX-8 can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your RX-8.

Choosing higher comprehensive and collision insurance deductibles could save up to $230 each year, while increasing your policy's liability limits will push rates upward. Switching 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 could pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 additional per year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Mazda RX-8 insurance rates. A 40-year-old driver could pay as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,280 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Every company calculates rates differently, and rates can be significantly 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 Shop for Cheap Mazda RX-8 Insurance

Saving money on Mazda RX-8 insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The points below are a brief summary of the material that was covered in the charts and tables above.

• Drivers who purchase increased liability limits will pay approximately $490 annually to go from a minimum limit to a 250/500 level
• Drivers under the age of 20 are the costliest to insure, costing up to $318 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,080 more per year to insure a Mazda RX-8
• Increasing deductibles could save as much as $225 each year