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2009 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 ...

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UPDATED: Oct 11, 2017

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Average insurance rates for a 2009 Mazda RX-8 are $1,180 a year for full coverage insurance. Comprehensive insurance costs around $218, collision insurance costs $330, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,550 or more. Teenage drivers receive the highest rates at up to $4,610 a year.

Annual premium for full coverage: $1,180

Rate estimates for 2009 Mazda RX-8 Insurance

Comprehensive $218
Collision $330
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 a middle-aged driver, prices range range from as low as $522 for just liability coverage to the much higher price of $2,550 for a high risk driver.

Liability Only $522
Full Coverage $1,180
High Risk $2,550

View Chart as Image

2009 Mazda RX-8 insurance rates compared
Column chart showing 2009 Mazda RX-8 insurance prices range from $700 to $4,610 for full coverage

These differences illustrate why everyone should compare prices for a specific zip code and risk profile, instead of using 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 2009 Mazda RX-8 Insurance

Searching Companies

No one cherishes buying auto insurance, especially when their premiums are through the roof.

There is such a variety of car insurance companies to purchase coverage from, and although it’s nice to be able to choose, it makes it harder to get the best deal.

Consumers need to take a look at other company’s rates quite often since rates tend to go up over time. Even if you got the lowest rates for RX-8 coverage six months ago there is a good chance you can find better rates now. So just forget anything you know (or think you know) about auto insurance because you’re going to learn the fastest and easiest way to save on auto insurance.

The quickest method we recommend to compare rate quotes is to know the fact car insurance companies participate in a system to give rate comparisons. To get started, all you need to do is give them some information like if a SR-22 is required, which vehicles you own, how much education you have, and if you lease or own. Your information is then sent to many different companies and they return quotes very quickly.

To start a rate quote now, click here and complete the quick form.

How to save on Mazda RX-8 insurance

Auto insurance companies do not advertise every discount in an easy-to-find place, so here is a list some of the best known and the more hidden discounts you could be receiving.

  • 55 and Retired – If you’re over the age of 55, you may be able to get a small decrease in premiums for RX-8 coverage.
  • No Charge for an Accident – Some insurance companies permit an accident before your rates go up if you are claim-free prior to the accident.
  • Good Students Pay Less – This discount can save 20 to 25%. This discount can apply until age 25.
  • Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
  • Organization Discounts – Participating in a civic or occupational organization could qualify you for a break on your policy for RX-8 coverage.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Drivers Education – Have your child complete a driver education course in school.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Companies that possibly offer these discounts include:

Check with each company which discounts they offer. Savings might not be offered in your area.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • Who is covered when they drive my 2009 Mazda RX-8?
  • Is my trailer covered?
  • What is the minimum liability in my state?
  • Does my insurance cover a custom paint job?
  • Do I pay less for low miles?
  • Should I have a commercial auto policy?
  • What happens if I owe more than my 2009 Mazda RX-8 is worth?
  • Should I buy additional glass protection?
  • Am I better off with higher deductibles on my 2009 Mazda RX-8?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Coverage specifics

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Collision coverages – This coverage covers damage to your RX-8 resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses for nursing services, X-ray expenses, funeral costs, rehabilitation expenses and chiropractic care. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability – Liability coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like repair costs for stationary objects, emergency aid, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, theft, a broken windshield and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Rates by U.S. City

2009 Mazda RX-8 Insurance Rates by City
City Premium
New York City, NY $1,866
Los Angeles, CA $2,019
Philadelphia, PA $1,579
Jacksonville, FL $1,717
Phoenix, AZ $1,372
Chicago, IL $1,584
Houston, TX $1,851
Seattle, WA $1,152
Columbus, OH $985
Indianapolis, IN $1,003

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Mazda RX-8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,610
20 $2,706
30 $1,214
40 $1,180
50 $1,082
60 $1,060

Full coverage, $500 deductibles

Rates by Deductible

2009 Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,422
$250 $1,312
$500 $1,180
$1,000 $1,056

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,180
50/100 $1,275
100/300 $1,393
250/500 $1,701
100 CSL $1,322
300 CSL $1,583
500 CSL $1,773

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Mazda RX-8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,530
20 $4,316
30 $2,584
40 $2,550
50 $2,436
60 $2,410

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 $161

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $20
5-yr Accident Free $78
5-yr Claim Free $75
Paid in Full/EFT $47
Advance Quote $54
Online Quote $82
Total Discounts $480
Rate after discounts $700

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

Find companies with the cheapest rates in your area

2009 Mazda RX-8 Insurance Rates by State
State Premium
Alabama $1,068
Alaska $906
Arizona $980
Arkansas $1,180
California $1,346
Colorado $1,128
Connecticut $1,214
Delaware $1,338
Florida $1,480
Georgia $1,090
Hawaii $850
Idaho $798
Illinois $880
Indiana $888
Iowa $798
Kansas $1,124
Kentucky $1,612
Louisiana $1,748
Maine $728
Maryland $972
Massachusetts $944
Michigan $2,052
Minnesota $988
Mississippi $1,414
Missouri $1,048
Montana $1,270
Nebraska $930
Nevada $1,416
New Hampshire $850
New Jersey $1,320
New Mexico $1,046
New York $1,244
North Carolina $680
North Dakota $968
Ohio $814
Oklahoma $1,214
Oregon $1,082
Pennsylvania $1,128
Rhode Island $1,574
South Carolina $1,070
South Dakota $998
Tennessee $1,036
Texas $1,424
Utah $874
Vermont $810
Virginia $708
Washington $914
West Virginia $1,082
Wisconsin $818
Wyoming $1,052

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