Mazda RX-8 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 3, 2023

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U.S. average insurance prices for a Mazda RX-8 are $1,014 every 12 months for full coverage. Comprehensive insurance costs approximately $178 each year, collision insurance costs $218, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,174 or more. Teen drivers pay the highest rates at up to $4,048 a year.

Average premium for full coverage: $1,014

Price estimates by individual coverage:

Comprehensive $178
Collision $218
Liability $460

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and RX-8 models.

Price Range from Low to High

For a driver in their 40's, Mazda RX-8 insurance prices range from the cheapest price of $510 for your basic liability-only policy to a high rate of $2,174 for high-risk insurance.

Liability Only $510
Full Coverage $1,014
High Risk $2,174

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $761
Small Cities $1,065
Large Cities $1,369

The ranges above show why all drivers should compare prices 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below shows average Mazda RX-8 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $618
  • Using higher $1,000 deductibles will save $90 a year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,014
  • Choosing low deductibles for physical damage coverage costs an extra $172 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,174
  • The price to insure a teenage driver can cost $4,048 or more

View Chart as Image

Mazda RX-8 insurance cost comparison chart
Column chart showing Mazda RX-8 insurance prices range from $618 to $4,048 for full coverage

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

Choosing high deductibles could cut prices by as much as $270 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,000 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 additional each year, depending on your age. Insurance for high-risk drivers can be around 42% to 132% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Mazda RX-8 insurance rates. A driver around age 40 might see prices as low as $670 a year in states like Iowa, Maine, and Idaho, or as much as $1,450 on average in New York, Louisiana, and Michigan.

Mazda RX-8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $918 -$96 -9.5%
Alaska $778 -$236 -23.3%
Arizona $844 -$170 -16.8%
Arkansas $1,014 -$0 0.0%
California $1,156 $142 14.0%
Colorado $970 -$44 -4.3%
Connecticut $1,042 $28 2.8%
Delaware $1,150 $136 13.4%
Florida $1,270 $256 25.2%
Georgia $936 -$78 -7.7%
Hawaii $730 -$284 -28.0%
Idaho $686 -$328 -32.3%
Illinois $756 -$258 -25.4%
Indiana $762 -$252 -24.9%
Iowa $684 -$330 -32.5%
Kansas $964 -$50 -4.9%
Kentucky $1,384 $370 36.5%
Louisiana $1,502 $488 48.1%
Maine $626 -$388 -38.3%
Maryland $836 -$178 -17.6%
Massachusetts $812 -$202 -19.9%
Michigan $1,764 $750 74.0%
Minnesota $850 -$164 -16.2%
Mississippi $1,216 $202 19.9%
Missouri $900 -$114 -11.2%
Montana $1,092 $78 7.7%
Nebraska $800 -$214 -21.1%
Nevada $1,218 $204 20.1%
New Hampshire $732 -$282 -27.8%
New Jersey $1,134 $120 11.8%
New Mexico $900 -$114 -11.2%
New York $1,070 $56 5.5%
North Carolina $584 -$430 -42.4%
North Dakota $832 -$182 -17.9%
Ohio $700 -$314 -31.0%
Oklahoma $1,042 $28 2.8%
Oregon $930 -$84 -8.3%
Pennsylvania $968 -$46 -4.5%
Rhode Island $1,356 $342 33.7%
South Carolina $920 -$94 -9.3%
South Dakota $856 -$158 -15.6%
Tennessee $890 -$124 -12.2%
Texas $1,224 $210 20.7%
Utah $752 -$262 -25.8%
Vermont $696 -$318 -31.4%
Virginia $608 -$406 -40.0%
Washington $786 -$228 -22.5%
West Virginia $930 -$84 -8.3%
Wisconsin $704 -$310 -30.6%
Wyoming $904 -$110 -10.8%

View Chart as Image

Mazda RX-8 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Mazda RX-8 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda RX-8 Sport 4-Dr Coupe $998 $83
Mazda RX-8 Grand Touring 4-Dr Coupe $1,014 $85
Mazda RX-8 R3 4-Dr Coupe $1,014 $85

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.

Mazda RX-8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2006 Mazda RX-8 $178 $218 $460 $1,014
2004 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 Shop for Low Cost Mazda RX-8 Insurance

Getting lower rates on auto insurance requires being a good driver, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a review of the material that was covered in the charts and tables above.

  • Consumers who purchase an increased level of liability coverage will pay about $510 each year to increase from a low limit to a 250/500 level
  • Drivers age 16 to 20 are the costliest to insure, with premiums as much as $337 a month if full coverage is included
  • Drivers who have several accidents or serious violations may pay on average $1,160 more per year than a safer driver
  • Increasing physical damage deductibles could save as much as $250 each year

Rates by Driver Age

Mazda RX-8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,048
20 $2,310
30 $1,034
40 $1,014
50 $930
60 $910

Full coverage, $500 deductibles

Rates by Deductible

Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,186
$250 $1,108
$500 $1,014
$1,000 $924

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,014
50/100 $1,106
100/300 $1,221
250/500 $1,520
100 CSL $1,152
300 CSL $1,405
500 CSL $1,589

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda RX-8 Insurance Rates for High Risk Drivers
Age Premium
16 $5,702
20 $3,676
30 $2,196
40 $2,174
50 $2,078
60 $2,058

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.

SR-22 Surcharge $134

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $61
5-yr Claim Free $63
Paid in Full/EFT $37
Advance Quote $44
Online Quote $68
Total Discounts $396
Rate after discounts $618

Discounts are estimated and may not be available from every company or in every state.

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