Mazda RX-8 Insurance Rates

The average auto insurance rates for a Mazda RX-8 are $942 annually including full coverage. Comprehensive costs on average $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 around $2,020. Teen 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:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how your location can change car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Mazda RX-8 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $578
• Drivers who choose higher $1,000 deductibles will pay around $864 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $942
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,090
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,020 or more
• Policy cost with full coverage for a teen driver may cost $3,814 a year

View Chart as Image

Car insurance rates for a Mazda RX-8 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $230 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state 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 Missouri, New Hampshire, and Vermont, or as much as $1,350 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so rate quotes will be varied 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 Low Cost Mazda RX-8 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a review of the primary concepts that were illustrated above.

• You may be able to save as much as $100 per year simply by quoting early and online
• Higher risk drivers who have several accidents or serious violations pay on average $1,080 more each year to insure a Mazda RX-8
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Drivers under the age of 20 are expensive to insure, with premiums being up to $318 each month if comprehensive and collision insurance is included