Mazda RX-8 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 3, 2024
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Average auto insurance rates for a Mazda RX-8 are $962 annually for full coverage insurance. Comprehensive costs around $160, collision costs $198, and liability is estimated at $446. Buying just liability costs approximately $500 a year, with insurance for high-risk drivers costing around $2,066. Teen drivers receive the highest rates at $3,882 a year or more.
Average premium for full coverage: $962
Rate estimates for individual coverage type:
Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different RX-8 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $500 for the bare minimum liability coverage to a much higher rate of $2,066 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates estimated Mazda RX-8 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $590
- Choosing higher $1,000 deductibles can save about $82 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $962
- Choosing more expensive low deductibles for comp and collision coverage will cost $1,118
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,066 or more
- The cost with full coverage for a 16-year-old driver with full coverage can be $3,882 each year
Auto insurance rates for a Mazda RX-8 can also vary considerably based on the trim level of your RX-8, your risk profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $3,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance ranges from 41% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $240 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $402 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Mazda RX-8 insurance prices. A good driver about age 40 could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,300 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $874 | -$88 | -9.1% |
| Alaska | $740 | -$222 | -23.1% |
| Arizona | $800 | -$162 | -16.8% |
| Arkansas | $962 | -$0 | 0.0% |
| California | $1,098 | $136 | 14.1% |
| Colorado | $922 | -$40 | -4.2% |
| Connecticut | $992 | $30 | 3.1% |
| Delaware | $1,092 | $130 | 13.5% |
| Florida | $1,206 | $244 | 25.4% |
| Georgia | $890 | -$72 | -7.5% |
| Hawaii | $692 | -$270 | -28.1% |
| Idaho | $650 | -$312 | -32.4% |
| Illinois | $718 | -$244 | -25.4% |
| Indiana | $724 | -$238 | -24.7% |
| Iowa | $650 | -$312 | -32.4% |
| Kansas | $916 | -$46 | -4.8% |
| Kentucky | $1,314 | $352 | 36.6% |
| Louisiana | $1,428 | $466 | 48.4% |
| Maine | $594 | -$368 | -38.3% |
| Maryland | $794 | -$168 | -17.5% |
| Massachusetts | $772 | -$190 | -19.8% |
| Michigan | $1,674 | $712 | 74.0% |
| Minnesota | $806 | -$156 | -16.2% |
| Mississippi | $1,156 | $194 | 20.2% |
| Missouri | $854 | -$108 | -11.2% |
| Montana | $1,036 | $74 | 7.7% |
| Nebraska | $760 | -$202 | -21.0% |
| Nevada | $1,156 | $194 | 20.2% |
| New Hampshire | $694 | -$268 | -27.9% |
| New Jersey | $1,080 | $118 | 12.3% |
| New Mexico | $854 | -$108 | -11.2% |
| New York | $1,014 | $52 | 5.4% |
| North Carolina | $556 | -$406 | -42.2% |
| North Dakota | $790 | -$172 | -17.9% |
| Ohio | $664 | -$298 | -31.0% |
| Oklahoma | $990 | $28 | 2.9% |
| Oregon | $884 | -$78 | -8.1% |
| Pennsylvania | $922 | -$40 | -4.2% |
| Rhode Island | $1,286 | $324 | 33.7% |
| South Carolina | $874 | -$88 | -9.1% |
| South Dakota | $814 | -$148 | -15.4% |
| Tennessee | $844 | -$118 | -12.3% |
| Texas | $1,162 | $200 | 20.8% |
| Utah | $712 | -$250 | -26.0% |
| Vermont | $662 | -$300 | -31.2% |
| Virginia | $576 | -$386 | -40.1% |
| Washington | $746 | -$216 | -22.5% |
| West Virginia | $884 | -$78 | -8.1% |
| Wisconsin | $670 | -$292 | -30.4% |
| Wyoming | $858 | -$104 | -10.8% |
With so much variability in rates, the only way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $948 | $79 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $962 | $80 |
| Mazda RX-8 R3 4-Dr Coupe | $962 | $80 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mazda RX-8 | $186 | $250 | $474 | $1,068 |
| 2006 Mazda RX-8 | $160 | $198 | $446 | $962 |
Rates are averaged for all Mazda RX-8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Mazda RX-8 Insurance
Saving money on insurance for a Mazda RX-8 takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every other renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a condensed summary of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,100 more every year to insure their RX-8
- Teen drivers are expensive to insure, costing up to $324 per month if full coverage is included
- It is possible to save up to $110 per year simply by shopping early and online
- Increasing deductibles could save up to $250 each year
- It is possible to save up to $110 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,882 |
| 20 | $2,198 |
| 30 | $980 |
| 40 | $962 |
| 50 | $886 |
| 60 | $866 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,118 |
| $250 | $1,048 |
| $500 | $962 |
| $1,000 | $880 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $962 |
| 50/100 | $1,051 |
| 100/300 | $1,163 |
| 250/500 | $1,453 |
| 100 CSL | $1,096 |
| 300 CSL | $1,341 |
| 500 CSL | $1,520 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,458 |
| 20 | $3,496 |
| 30 | $2,082 |
| 40 | $2,066 |
| 50 | $1,976 |
| 60 | $1,956 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $48 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $372 |
Discounts are estimated and may not be available from every company or in every state.
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