Mazda RX-8 Insurance Rates

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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 insurance costs an estimated $160 each year, collision costs $198, and liability insurance is $446. A liability-only policy costs around $500 a year, with high-risk insurance costing $2,066 or more. Teen drivers pay the most at $3,882 a year or more.

Average premium for full coverage: $962

Premium estimates broken down by type of coverage:

Comprehensive $160
Collision $198
Liability $446

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and RX-8 models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Mazda RX-8 go from as cheap as $500 for just the minimum liability insurance to a high rate of $2,066 for a high-risk driver policy.

Liability Only $500
Full Coverage $962
High Risk $2,066

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $722
Small Cities $1,010
Large Cities $1,299

These rate differences demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on price 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.

Additional Rate Analysis

The chart below details estimated Mazda RX-8 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $590
  • Raising to $1,000 deductibles will save approximately $82 annually
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $962
  • Choosing low deductibles costs an additional $156 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,066 or more
  • An auto insurance policy with full coverage for a teen driver can cost as much as $3,882

View Chart as Image

Mazda RX-8 insurance cost comparison chart
Column chart showing full coverage Mazda RX-8 insurance prices range from $590 to $3,882

Auto insurance prices for a Mazda RX-8 also have a wide range based on the model of your RX-8, your driving record, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $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 $1,100 to $1,600 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $240 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $402 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Mazda RX-8 insurance rates. A middle-age driver might find prices as low as $690 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,300 on average in New York, Michigan, and Florida.

Mazda RX-8 Insurance Rates by State
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%

View Chart as Image

Mazda RX-8 insurance rates by U.S. city

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Mazda RX-8 Insurance Rates by Model and Trim Level
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.

Mazda RX-8 Insurance Rates by Model Year
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 More Affordable Mazda RX-8 Insurance

Finding better rates on Mazda RX-8 insurance consists of being a good driver, having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct companies, and also from several local insurance agents.

The following list is a summary of the information covered above.

  • You may be able to save approximately $110 per year simply by quoting online in advance
  • Drivers age 16 to 20 are the costliest to insure, possibly costing $324 per month if full coverage is included
  • Increasing policy deductibles could save up to $250 each year
  • High-risk drivers who have multiple accidents or major violations pay on average $1,100 more annually than a safer driver
  • Drivers who want an increased level of liability coverage will pay about $490 every year to raise from 30/60 bodily injury limits to higher 250/500 limits

Rates by Driver Age

Mazda RX-8 Insurance 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

Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,048
$500 $962
$1,000 $880

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
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

Mazda RX-8 Insurance 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.

SR-22 Surcharge $127

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
Rate after discounts $590

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

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