Mazda RX-8 Insurance Rates

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

Average premium for full coverage: $942

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and RX-8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These rate differences highlight why it is important to compare rates using their specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down 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 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $942
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $148 annually
• Drivers who are prone to accidents and violations could pay around $2,020 or more
• An auto insurance policy that insures a 16-year-old driver can cost $3,814 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,100 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $3,800 a year. View Rates by Age

Where you choose to live makes a big difference in Mazda RX-8 insurance prices. A 40-year-old driver could pay as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,350 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $230 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Every company uses a different method to calculate prices, and quoted prices will be substantially different.

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 the Best Cheap Mazda RX-8 Insurance

Finding better rates on insurance for a Mazda RX-8 not only requires avoiding accidents and claims, but also maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Compare prices every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The points below are a quick review of the information touched on above.

• You may be able to save around $100 per year simply by quoting early and online
• Drivers under the age of 20 have the highest car insurance prices, with the cost nearing $318 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $225 each year
• Drivers considered higher risk with a DUI or reckless driving violation will likely pay on average $1,080 more per year to insure a Mazda RX-8
• Insureds who purchase increased liability limits will pay an extra $490 per year to go from 30/60 bodily injury limits to the 250/500 level