Mazda RX-8 Insurance Rates
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UPDATED: Apr 3, 2024
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U.S. average auto insurance rates for a Mazda RX-8 are $962 annually for full coverage insurance. Comprehensive insurance costs approximately $160, collision costs $198, and liability coverage costs around $446. Buying just liability costs as low as $500 a year, with insurance for high-risk drivers costing $2,066 or more. Teenage drivers pay the highest rates at $3,882 a year or more.
Average premium for full coverage: $962
Price estimates by individual coverage:
Estimates include $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different RX-8 trim levels.
Price Range from Low to High
For the normal driver, Mazda RX-8 insurance prices go from as cheap as $500 for your basic liability-only policy to a much higher rate of $2,066 for a high-risk insurance policy.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities.
The price range example below illustrates how geographic area affects auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than using average rates.
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 illustrates estimated Mazda RX-8 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $590
- Using higher $1,000 deductibles will save $82 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $962
- Using more expensive low deductibles for physical damage coverage costs an additional $156 each year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,066 or more
- The price with full coverage for a teenage driver with full coverage can cost $3,882 or more
Insurance prices for a Mazda RX-8 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,600 additional each year, depending on your age. High-risk driver insurance can be around 41% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $240 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $402 more each year. View Rates by Deductible or Liability Limit
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 $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.
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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite 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 Low Cost Mazda RX-8 Insurance
Getting lower rates on auto insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following is a review of the car insurance concepts presented in the illustrations above.
- Drivers who have several accidents or serious violations could be forced to pay on average $1,100 more per year for RX-8 insurance
- It is possible to save around $110 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $250 each year
- Consumers who purchase higher liability limits will pay an extra $490 annually to increase from a low limit to higher 250/500 limits
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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