Mazda RX-8 Insurance Rates

The average insurance rates for a Mazda RX-8 are $942 a year including full coverage. Comprehensive costs around $154, collision insurance costs $188, and liability costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs around $2,020. Teens cost the most to insure at up to $3,814 a year.

Average premium for full coverage: $942

Policy rates for type of insurance:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code, instead of using averaged prices.

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

Additional Rate Information

The chart below breaks down average Mazda RX-8 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $578
• Drivers who choose higher $1,000 deductibles will pay about $78 every year
• The estimated price for a good driver age 40 using $500 deductibles is $942
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,090
• Higher-risk drivers with serious driving violations could pay at least $2,020
• Policy cost that insures a teen driver with full coverage can be $3,814 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $3,800 a year. View Rates by Age

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 have to pay at least $1,350 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $230 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

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 Right Mazda RX-8 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the information covered in the charts and tables above.

• You may be able to save up to $100 per year just by shopping early and online
• Drivers under the age of 20 are expensive to insure, with premiums being up to $318 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,080 more every year to insure a Mazda RX-8
• Policyholders who may need increased liability limits will pay approximately $490 per year to go from a 30/60 limit to the 250/500 level