Mazda RX-8 Insurance Rates

Average insurance rates for a Mazda RX-8 are $942 a year for full coverage insurance. Comprehensive insurance costs an estimated $154, collision costs $188, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $2,020 or more. 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:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all RX-8 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

These examples illustrate why everyone should compare rates for a targeted area and risk profile, instead of using average rates.

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

More Rate Information

The chart below illustrates estimated Mazda RX-8 insurance rates for other coverage scenarios.

• The best discount rate is $578
• Drivers who choose higher $1,000 deductibles will pay approximately $78 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $942
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $148 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,020 or more
• The cost for full coverage for a teen driver for full coverage can cost as much as $3,814 a year

View Chart as Image

Car insurance rates for a Mazda RX-8 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $3,800 a year. View Rates by Age

Where you live makes a big difference in Mazda RX-8 insurance prices. A 40-year-old driver could pay as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,280 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $230 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,100 to $1,600 extra per year, depending on your age. Mazda RX-8 insurance for high-risk drivers can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

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 Low Cost Mazda RX-8 Insurance

Saving money on car insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a review of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 have the highest car insurance rates, costing up to $318 per month if full coverage is included
• Higher risk drivers who have several accidents or serious violations pay on average $1,080 more annually than a safer driver
• Increasing deductibles can save around $225 each year
• It is possible to save approximately $100 per year simply by quoting online well ahead of the renewal date