Mazda RX-8 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 3, 2024
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Estimated auto insurance rates for a Mazda RX-8 are $962 annually with full coverage. Comprehensive costs around $160 each year, collision insurance costs $198, and liability coverage costs $446. Liability-only insurance costs as little as $500 a year, and high-risk driver insurance costs around $2,066. Teenage drivers pay the most at up to $3,882 a year.
Average premium for full coverage: $962
Premium estimates for type of coverage:
Prices include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and RX-8 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Mazda RX-8 range from as cheap as $500 for basic liability insurance to a high rate of $2,066 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than using average rates.
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 details average Mazda RX-8 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $590
- Drivers who choose higher $1,000 deductibles will pay about $82 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $962
- Using low deductibles for comprehensive and collision insurance will cost $1,118
- High-risk insureds who are prone to accidents and violations could pay at least $2,066
- An auto insurance policy with full coverage for a teenage driver can be $3,882 a year
Insurance prices for a Mazda RX-8 also have a wide range based on the model of your RX-8, your driving record, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage 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, where even without any violations or accidents they should be prepared to pay as much as $3,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at least $1,100 to $1,600 additional annually, depending on your age. Insurance for high-risk drivers can cost around 41% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $240 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $402 more each year. View Rates by Deductible or Liability Limit
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 $690 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,300 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $874 | -$88 | -9.1% |
| Alaska | $740 | -$222 | -23.1% |
| Arizona | $800 | -$162 | -16.8% |
| Arkansas | $962 | -$0 | 0.0% |
| California | $1,098 | $136 | 14.1% |
| Colorado | $922 | -$40 | -4.2% |
| Connecticut | $992 | $30 | 3.1% |
| Delaware | $1,092 | $130 | 13.5% |
| Florida | $1,206 | $244 | 25.4% |
| Georgia | $890 | -$72 | -7.5% |
| Hawaii | $692 | -$270 | -28.1% |
| Idaho | $650 | -$312 | -32.4% |
| Illinois | $718 | -$244 | -25.4% |
| Indiana | $724 | -$238 | -24.7% |
| Iowa | $650 | -$312 | -32.4% |
| Kansas | $916 | -$46 | -4.8% |
| Kentucky | $1,314 | $352 | 36.6% |
| Louisiana | $1,428 | $466 | 48.4% |
| Maine | $594 | -$368 | -38.3% |
| Maryland | $794 | -$168 | -17.5% |
| Massachusetts | $772 | -$190 | -19.8% |
| Michigan | $1,674 | $712 | 74.0% |
| Minnesota | $806 | -$156 | -16.2% |
| Mississippi | $1,156 | $194 | 20.2% |
| Missouri | $854 | -$108 | -11.2% |
| Montana | $1,036 | $74 | 7.7% |
| Nebraska | $760 | -$202 | -21.0% |
| Nevada | $1,156 | $194 | 20.2% |
| New Hampshire | $694 | -$268 | -27.9% |
| New Jersey | $1,080 | $118 | 12.3% |
| New Mexico | $854 | -$108 | -11.2% |
| New York | $1,014 | $52 | 5.4% |
| North Carolina | $556 | -$406 | -42.2% |
| North Dakota | $790 | -$172 | -17.9% |
| Ohio | $664 | -$298 | -31.0% |
| Oklahoma | $990 | $28 | 2.9% |
| Oregon | $884 | -$78 | -8.1% |
| Pennsylvania | $922 | -$40 | -4.2% |
| Rhode Island | $1,286 | $324 | 33.7% |
| South Carolina | $874 | -$88 | -9.1% |
| South Dakota | $814 | -$148 | -15.4% |
| Tennessee | $844 | -$118 | -12.3% |
| Texas | $1,162 | $200 | 20.8% |
| Utah | $712 | -$250 | -26.0% |
| Vermont | $662 | -$300 | -31.2% |
| Virginia | $576 | -$386 | -40.1% |
| Washington | $746 | -$216 | -22.5% |
| West Virginia | $884 | -$78 | -8.1% |
| Wisconsin | $670 | -$292 | -30.4% |
| Wyoming | $858 | -$104 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $948 | $79 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $962 | $80 |
| Mazda RX-8 R3 4-Dr Coupe | $962 | $80 |
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 | $186 | $250 | $474 | $1,068 |
| 2006 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 Buy the Right Mazda RX-8 Insurance
Finding better rates on auto insurance not only requires being a low-risk driver, but also having good credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates once a year by requesting rates from direct companies, and also from local exclusive and independent agents.
The items below are a quick rundown of the data that was covered in the charts and tables above.
- You may be able to save up to $110 per year just by quoting online in advance
- Consumers who may need more liability coverage will pay an extra $490 every year to go from 30/60 bodily injury limits to higher 250/500 limits
- Teen drivers are charged the highest prices, possibly costing $324 per month if they have full coverage
- Drivers with reckless driving or DUI convictions may pay on average $1,100 more every year to insure their RX-8
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,882 |
| 20 | $2,198 |
| 30 | $980 |
| 40 | $962 |
| 50 | $886 |
| 60 | $866 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,118 |
| $250 | $1,048 |
| $500 | $962 |
| $1,000 | $880 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $962 |
| 50/100 | $1,051 |
| 100/300 | $1,163 |
| 250/500 | $1,453 |
| 100 CSL | $1,096 |
| 300 CSL | $1,341 |
| 500 CSL | $1,520 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,458 |
| 20 | $3,496 |
| 30 | $2,082 |
| 40 | $2,066 |
| 50 | $1,976 |
| 60 | $1,956 |
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 | $48 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $372 |
Discounts are estimated and may not be available from every company or in every state.
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