Mazda RX-8 Insurance Rates

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UPDATED: Apr 3, 2024

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Average insurance rates for a Mazda RX-8 are $962 a year for full coverage. Comprehensive costs on average $160, collision insurance costs $198, and liability costs around $446. A liability-only policy costs as low as $500 a year, and high-risk insurance costs around $2,066. Teen drivers receive the highest rates at up to $3,882 a year.

Average premium for full coverage: $962

Rate estimates by individual coverage type:

Comprehensive $160
Collision $198
Liability $446

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all RX-8 models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $500 for minimum levels of liability insurance to the much higher price of $2,066 for a policy for a high-risk driver.

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

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas. The example below illustrates how your location can change car insurance rates.

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

These examples show why everyone should compare prices based on a specific location and risk profile, instead of making a decision based 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 Details

The chart below shows average Mazda RX-8 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $590
  • Using higher $1,000 deductibles will save around $82 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $962
  • Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,118
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,066
  • The cost for full coverage for a 16-year-old driver for full coverage may cost $3,882 or more

View Chart as Image

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

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

A more mature driver with a clean driving record and high deductibles may pay as low as $900 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $3,800 a year. View Rates by Age

Where you live has a huge impact on Mazda RX-8 insurance prices. A driver around age 40 might see rates as low as $640 a year in states like Idaho, Maine, and Iowa, or as much as $1,380 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could cut rates by as much as $240 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $402 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Mazda RX-8 insurance for high-risk drivers can be from 41% to 127% more than average. View High Risk Driver Rates

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 Find the Right Mazda RX-8 Insurance

Saving money on insurance for a Mazda RX-8 requires having a decent driving record, maintaining good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Invest the time to shop around every year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following items are a quick rundown of the coverage data illustrated above.

  • Drivers can save as much as $110 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $250 each year
  • 16 to 18-year-old drivers pay the highest rates, costing as high as $324 per month for full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions will pay on average $1,100 more each year than a driver with a clean driving record

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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