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2010 Mazda RX-8 Insurance Rates

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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: Nov 16, 2021

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Average insurance rates for a 2010 Mazda RX-8 are $1,224 a year for full coverage. Comprehensive costs on average $236, collision insurance costs $356, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,640. Teen drivers receive the highest rates at up to $4,736 a year.

Annual premium for full coverage: $1,224

Rate estimates for 2010 Mazda RX-8 Insurance

Comprehensive $236
Collision $356
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 40-year-old driver, prices range range from as low as $522 for the bare minimum liability coverage to the much higher price of $2,640 for high-risk insurance.

Liability Only $522
Full Coverage $1,224
High Risk $2,640

View Chart as Image

2010 Mazda RX-8 insurance rates compared
Column chart showing 2010 Mazda RX-8 insurance prices range from $723 to $4,736 for full coverage

These differences 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 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 2010 Mazda RX-8 Insurance

Searching Companies

Are you sick and tired of being strong-armed to insure your Mazda every month? You’re in the same situation as millions of other consumers.

Consumers have many car insurance companies to pick from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.

It’s a good habit to do rate comparisons every six months due to the fact that insurance rates trend upward over time. If you had the lowest price on RX-8 coverage a year ago you may be paying too much now. Starting right now, ignore everything you know about insurance coverage because I’m going to teach you the only way to lower your annual insurance bill.

The purpose of this article is to tell you the most effective way to quote insurance. If you are paying for car insurance now, you will most likely be able to save some money using these tips. But vehicle owners must know how big insurance companies price online insurance and apply this information to your search.

More discounts equal less premium

The price of auto insurance can be rather high, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be asked for before being credited.

  • Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • Senior Citizens – Mature drivers can possibly qualify for better auto insurance rates on RX-8 coverage.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
  • Distant Student – Children who live away from home without a vehicle on campus can receive lower rates.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Accident Forgiveness – Certain companies allow you one accident before raising your premiums if you are claim-free for a set time period.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, auto insurance companies aren’t that generous. Any qualifying discounts will cut the cost of coverage.

Insurance companies that may have these discounts include:

  • Auto-Owners Insurance
  • American Family
  • Esurance
  • Progressive
  • State Farm
  • AAA

It’s a good idea to ask each insurance company which discounts they offer. Some discounts may not be available in your area.

It’s not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. These are some specific questions can aid in determining if your insurance needs might need professional guidance.

  • Why am I required to get a high-risk car insurance policy?
  • What can I do if my company denied a claim?
  • I have a DUI can I still get coverage?
  • Do I need replacement cost coverage?
  • What is high-risk coverage and where do I buy it?
  • Is my teen driver covered when they drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • What if I owe more than I can insure my car for?
  • Do I benefit by insuring my home with the same company?
  • How many claims can I have before being canceled?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Ads can be misleading

Car insurance companies such as Progressive, Allstate and GEICO continually stream ads on television and other media. They all seem to have a common claim of big savings after switching to their company. How can each company make the same claim? It’s all in the numbers.

All companies are able to cherry pick for the type of customer that makes them money. A good example of a driver they prefer might be profiled as between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A propective insured who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t qualify for these standards will be charged more money and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently make those claims.

That is why drivers must get as many quotes as possible. Because you never know which insurance companies will have the lowest Mazda RX-8 insurance rates.

Learn about car insurance coverages for a Mazda RX-8

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2010 Mazda RX-8.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, hitting a bird, hitting a deer and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for expenses such as ambulance fees, funeral costs and chiropractic care. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Auto liability – Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as structural damage, funeral expenses and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, rolling your car, sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Don’t throw your cash in the trash

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where drivers have reduced uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Lower-priced 2010 Mazda RX-8 insurance is attainable from both online companies as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

To learn more, link through to the articles below:

Rates by U.S. City

2010 Mazda RX-8 Insurance Rates by City
City Premium
New York City, NY $1,932
Los Angeles, CA $2,094
Philadelphia, PA $1,638
Jacksonville, FL $1,779
Phoenix, AZ $1,422
Chicago, IL $1,642
Houston, TX $1,916
Seattle, WA $1,192
Columbus, OH $1,024
Indianapolis, IN $1,040

Need a specific model?

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Rates by Driver Age

2010 Mazda RX-8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,736
20 $2,802
30 $1,262
40 $1,224
50 $1,120
60 $1,098

Full coverage, $500 deductibles

Rates by Deductible

2010 Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,484
$250 $1,364
$500 $1,224
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,224
50/100 $1,319
100/300 $1,437
250/500 $1,745
100 CSL $1,366
300 CSL $1,627
500 CSL $1,817

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Mazda RX-8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,716
20 $4,466
30 $2,680
40 $2,640
50 $2,522
60 $2,496

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $78
Paid in Full/EFT $50
Advance Quote $57
Online Quote $85
Total Discounts $501
Rate after discounts $723

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

Find companies with the cheapest rates in your area

2010 Mazda RX-8 Insurance Rates by State
State Premium
Alabama $1,108
Alaska $940
Arizona $1,016
Arkansas $1,224
California $1,396
Colorado $1,170
Connecticut $1,258
Delaware $1,386
Florida $1,534
Georgia $1,128
Hawaii $880
Idaho $828
Illinois $912
Indiana $920
Iowa $826
Kansas $1,164
Kentucky $1,670
Louisiana $1,812
Maine $756
Maryland $1,008
Massachusetts $978
Michigan $2,126
Minnesota $1,024
Mississippi $1,466
Missouri $1,086
Montana $1,314
Nebraska $964
Nevada $1,470
New Hampshire $880
New Jersey $1,368
New Mexico $1,086
New York $1,288
North Carolina $704
North Dakota $1,004
Ohio $846
Oklahoma $1,258
Oregon $1,120
Pennsylvania $1,170
Rhode Island $1,632
South Carolina $1,108
South Dakota $1,034
Tennessee $1,072
Texas $1,474
Utah $906
Vermont $840
Virginia $734
Washington $946
West Virginia $1,120
Wisconsin $848
Wyoming $1,092

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