Mazda RX-8 Insurance Rates

The average insurance rates for a Mazda RX-8 are $942 a year with full coverage. Comprehensive insurance costs approximately $154 a year, collision costs $188, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $2,020 or more. Teenage drivers cost the most to insure at $3,814 a year or more.

Average premium for full coverage: $942

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

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

The examples above demonstrate why it is important to compare rates using their specific location and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details estimated Mazda RX-8 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $578
• Drivers who choose higher $1,000 deductibles will pay $864 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $942
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $148 a year
• High risk drivers who are prone to accidents and violations could pay around $2,020 or more
• Policy cost for full coverage for a teen driver can cost $3,814 a year

View Chart as Image

Car insurance rates for a Mazda RX-8 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,800 a year. View Rates by Age

Your home state makes a big difference in Mazda RX-8 insurance rates. A 40-year-old driver could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,280 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $230 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Mazda RX-8 Insurance

Finding cheaper rates on Mazda RX-8 insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a condensed summary of the coverage data covered above.

• You may be able to save around $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• Drivers under the age of 20 pay the highest auto insurance rates, as much as $318 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents pay on average $1,080 more per year to insure a Mazda RX-8