Mazda RX-8 Insurance Rates

U.S. average insurance prices for a Mazda RX-8 are $962 every 12 months including full coverage. Comprehensive costs approximately $160, collision costs $198, and liability coverage 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. Teen drivers pay the highest rates at $3,882 a year or more.

Average premium for full coverage: $962

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different RX-8 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $590
• Drivers who choose higher $1,000 deductibles will pay $82 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $962
• Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,118
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,066 or more
• The price to insure a teenage driver with full coverage can cost $3,882 a year

View Chart as Image

Insurance prices for a Mazda RX-8 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your RX-8.

Choosing high deductibles could save up to $240 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $402 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $900 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can cost around 41% to 127% more than average. View High Risk Driver Rates

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 $740 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,380 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices and see how they stack up. Every company uses a different rate calculation, so the prices may be quite 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 Shop for the Best Mazda RX-8 Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The points below are a brief recap of the material that was covered in the charts and tables above.

• Consumers who purchase increased liability limits will pay about $490 per year to go from a low limit to a 250/500 level
• Drivers under the age of 20 are expensive to insure, possibly costing $324 a month if they have full coverage
• Drivers who tend to receive serious violations could be charged and average of $1,100 more per year to insure a Mazda RX-8
• Increasing physical damage deductibles could save as much as $250 each year