Mazda RX-8 Insurance Rates

U.S. average auto insurance rates for a Mazda RX-8 are $962 annually with full coverage. Comprehensive costs approximately $160 each year, collision costs $198, and liability insurance costs $446. A policy with just liability insurance costs as little as $500 a year, with coverage for high-risk drivers costing around $2,066. Teens pay the highest rates at $3,882 a year or more.

Average premium for full coverage: $962

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and RX-8 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.

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

The ranges above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.

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 cheapest rate after discounts is $590
• Drivers who choose higher $1,000 deductibles will pay $82 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $962
• Selecting low deductibles for comprehensive and collision insurance will cost $1,118
• High risk drivers with serious driving violations could pay around $2,066 or more
• The price with full coverage for a teen driver can cost $3,882 a year

View Chart as Image

Insurance prices for a Mazda RX-8 are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 41% to 127% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $240 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $402 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Mazda RX-8 insurance rates. A 40-year-old driver could pay as low as $690 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Every company calculates prices differently, so the prices may be quite different between companies.

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 Buy the Cheapest Mazda RX-8 Insurance

Getting lower rates on Mazda RX-8 insurance not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the car insurance concepts covered above.

• High-risk drivers that have major violations or accidents may pay on average $1,100 more per year than a safer driver
• You may be able to save around $110 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $250 each year
• Drivers who purchase an increased level of liability coverage will pay approximately $490 every year to go from a low limit to higher 250/500 limits