1. Vehicles
  2. Mazda
  3. RX-8
  4. 2008 Model Year

2008 Mazda RX-8 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2008 Mazda RX-8 are $1,148 a year including full coverage. Comprehensive costs an estimated $212 each year, collision costs $300, and liability insurance costs around $478. Buying a liability-only policy costs as low as $526 a year, with high-risk insurance costing around $2,474. Teenage drivers receive the highest rates at $4,502 a year or more.

Annual premium for full coverage: $1,148

Rate estimates for 2008 Mazda RX-8 Insurance

Comprehensive $212
Collision $300
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Mazda RX-8 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $526 for basic liability insurance to a high rate of $2,474 for a driver that may need high-risk insurance.

Liability Only $526
Full Coverage $1,148
High Risk $2,474

View Chart as Image

2008 Mazda RX-8 insurance rates compared
Column chart showing 2008 Mazda RX-8 insurance prices range from $686 to $4,502 for full coverage

These differences highlight why all drivers should compare prices for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2008 Mazda RX-8 Insurance

Searching Companies

Trying to find better insurance coverage rates? Buyers have many options when searching for low-cost Mazda RX-8 insurance. They can either waste time calling around getting price quotes or utilize the internet to find the lowest rates.

There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the proper way to get price quotes for your Mazda and obtain the best price possible.

It’s a good idea to get comparison quotes once or twice a year since rates change frequently. Despite the fact that you may have had the best rates for RX-8 insurance a couple years back you will most likely find a better rate today. Ignore everything you know about insurance coverage because you’re about to learn the things you must know in order to get good coverage at a lower rate.

The purpose of this article is to instruct you on how car insurance quotes work and some money-saving tips. If you have car insurance now, you will be able to cut costs considerably using this strategy. Vehicle owners just need to understand the proper methods to shop their coverage around over the internet.

Save with discounts on 2008 Mazda RX-8 insurance

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Some discounts apply automatically at quote time, but a few need to be asked for prior to receiving the credit. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in school.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Early Signing – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for RX-8 insurance than drivers with accident claims.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.

Consumers should know that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky. But all discounts will help reduce your premiums.

A partial list of companies that may have these benefits include:

  • USAA
  • Progressive
  • American Family
  • Esurance
  • Farmers Insurance
  • State Farm

Before buying, ask each company how you can save money. Some discounts might not be offered in every state.

The quickest method we recommend to compare rate quotes is to take advantage of the fact most of the larger companies pay for the opportunity to give you rate quotes. The only thing you need to do is take a few minutes to give details like which vehicles you own, if you require a SR-22, coverage limits, and what you do for a living. That information is submitted instantly to many of the top insurers and they return rate quotes with very little delay.

To find the cheapest Mazda RX-8 insurance rates, click here and complete the form.

Tailor your coverage to you

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Is a fancy paint job covered?
  • Do I really need UM/UIM coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Is other people’s property covered if stolen from my vehicle?
  • Is pleasure use cheaper than using my 2008 Mazda RX-8 to commute?
  • Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Insurance specifics

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Mazda RX-8.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, vandalism, rock chips in glass and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

This covers damage to your RX-8 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, hospital visits, doctor visits, rehabilitation expenses and chiropractic care. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This can cover damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as legal defense fees, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Quote often and quote early

Insureds change insurance companies for any number of reasons including high rates after DUI convictions, lack of trust in their agent, policy cancellation and delays in responding to claim requests. Whatever your reason, switching companies can be less work than you think.

We just presented a lot of techniques to reduce 2008 Mazda RX-8 insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best prices are with the smaller companies.

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured dropped physical damage coverage and learned later that they should have had better coverage. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Helpful information

Rates by U.S. City

2008 Mazda RX-8 Insurance Rates by City
City Premium
New York City, NY $1,815
Los Angeles, CA $1,962
Philadelphia, PA $1,537
Jacksonville, FL $1,668
Phoenix, AZ $1,336
Chicago, IL $1,541
Houston, TX $1,802
Seattle, WA $1,119
Columbus, OH $961
Indianapolis, IN $976

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Mazda RX-8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,502
20 $2,622
30 $1,178
40 $1,148
50 $1,054
60 $1,032

Full coverage, $500 deductibles

Rates by Deductible

2008 Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,372
$250 $1,270
$500 $1,148
$1,000 $1,032

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,148
50/100 $1,244
100/300 $1,363
250/500 $1,674
100 CSL $1,291
300 CSL $1,554
500 CSL $1,746

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Mazda RX-8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,370
20 $4,184
30 $2,506
40 $2,474
50 $2,364
60 $2,340

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.

SR-22 Surcharge $155

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $52
Online Quote $79
Total Discounts $462
Rate after discounts $686

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2008 Mazda RX-8 Insurance Rates by State
State Premium
Alabama $1,040
Alaska $882
Arizona $954
Arkansas $1,148
California $1,308
Colorado $1,098
Connecticut $1,180
Delaware $1,300
Florida $1,438
Georgia $1,060
Hawaii $824
Idaho $778
Illinois $856
Indiana $864
Iowa $774
Kansas $1,094
Kentucky $1,568
Louisiana $1,700
Maine $710
Maryland $948
Massachusetts $920
Michigan $1,998
Minnesota $962
Mississippi $1,378
Missouri $1,020
Montana $1,234
Nebraska $906
Nevada $1,378
New Hampshire $828
New Jersey $1,286
New Mexico $1,016
New York $1,210
North Carolina $660
North Dakota $940
Ohio $794
Oklahoma $1,180
Oregon $1,054
Pennsylvania $1,098
Rhode Island $1,532
South Carolina $1,040
South Dakota $970
Tennessee $1,006
Texas $1,386
Utah $852
Vermont $788
Virginia $688
Washington $888
West Virginia $1,054
Wisconsin $796
Wyoming $1,026

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles