2011 Mazda RX-8 Insurance Rates
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UPDATED: Jun 13, 2015
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Average insurance rates for a 2011 Mazda RX-8 are $1,246 a year with full coverage. Comprehensive insurance costs on average $242, collision costs $382, and liability costs $464. Buying a liability-only policy costs as little as $514 a year, with high-risk insurance costing $2,692 or more. Teen drivers receive the highest rates at $4,802 a year or more.
Annual premium for full coverage: $1,246
Rate estimates for 2011 Mazda RX-8 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 the average driver, prices range go from as low as $514 for just liability insurance to the much higher price of $2,692 for a driver that may need high-risk insurance.
These differences demonstrate why everyone should compare rates based on a specific location and risk profile, instead of using 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 2011 Mazda RX-8 Insurance
Looking for the cheapest auto insurance rates for your Mazda RX-8? Price shopping your auto insurance can be hard for beginners to shopping for insurance online. You have so many options that it can quickly become a real hassle to find lower rates.
It’s a great practice to get comparison quotes on a regular basis since insurance rates change quite often. Just because you found the best rates for RX-8 coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the only way to find better coverage at a better price.
Pricing more affordable insurance coverage is quite easy. Essentially everyone who carries insurance coverage stands a good chance to be able to find lower rates. But drivers should learn how companies compete online.
Are you getting all your discounts?
Car insurance can cost a lot, but you can get discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be specially asked for before they will apply.
- Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
- Accident Free – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
- Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
- Government Employees – Active or retired federal employment may qualify you for a discount for RX-8 coverage with select insurance companies.
- Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save 5% or more.
- Paperless Signup – A few companies will give a small break simply for signing digitally online.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will reduce your overall premium however.
A partial list of companies that may have these discounts are:
It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings might not apply everywhere.
When might I need an agent?
When choosing the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique.
For example, these questions can help discover if you would benefit from professional advice.
- Should I file a claim if it’s only slightly more than my deductible?
- Does insurance cover tools stolen from my truck?
- Is other people’s property covered if stolen from my vehicle?
- Can I afford to buy a different vehicle if my 2011 Mazda RX-8 is totaled?
- Do I need replacement cost coverage?
- Am I covered when using my vehicle for business?
- Why do I only qualify for high-risk insurance?
- Am I covered when delivering products for my home-based business?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.
Auto insurance 101
Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, theft, vandalism and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for medical payments
Med pay and PIP coverage kick in for bills for things like chiropractic care, nursing services, funeral costs, ambulance fees and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mazda RX-8.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
This can cover damage or injury you incur to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims like legal defense fees, loss of income, medical services, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but buy as large an amount as possible.
Collision insurance pays for damage to your RX-8 caused by collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims like colliding with a tree, hitting a mailbox, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.
One last thing
Lower-priced 2011 Mazda RX-8 insurance is definitely available on the web and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some insurance providers may not provide online quoting and most of the time these smaller companies sell through independent agents.
When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced liability coverage limits and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at an affordable rate.
We just showed you many ways to shop for insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance coverage is with the least-expected company.
Additional information is available below:
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
- Frontal Crash Tests (iihs.org)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Teen Driving Statistics (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,968|
|Los Angeles, CA||$2,130|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$85|
|5-yr Claim Free||$80|
|Paid in Full/EFT||$52|
Discounts are estimated and may not be available from every company or in every state.