Mazda RX-8 Insurance Rates

Average insurance prices for a Mazda RX-8 are $942 every 12 months including full coverage. Comprehensive costs an estimated $154, collision costs $188, and liability insurance is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing around $2,020. Teenage drivers receive the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Rate estimates broken down by individual coverage type:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different RX-8 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

These examples highlight why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on average rates.

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 other coverage scenarios.

• The best discount rate is $578
• Choosing higher $1,000 deductibles can save approximately $78 every year
• The average price for a 40-year-old driver who has $500 deductibles is $942
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,090
• High-risk insureds who are prone to accidents and violations could pay up to $2,020 or more
• The cost to insure a teen driver with full coverage can cost as much as $3,814 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $230 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $3,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,100 to $1,600 additional per year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Mazda RX-8 insurance rates. A good driver about age 40 could pay as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,350 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates can be significantly 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 Cheap Mazda RX-8 Insurance

Saving money on Mazda RX-8 insurance takes being a good driver, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a brief summary of the information touched on in this article.

• You may be able to save approximately $100 per year simply by shopping early and online
• Drivers age 16 to 20 are expensive to insure, as much as $318 per month if full coverage is included
• Increasing deductibles could save as much as $225 each year
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,080 more annually than a safer driver
• Drivers who want an increased level of liability coverage will pay an extra $490 per year to raise limits from a minimum limit to a 250/500 level