Mazda RX-8 Insurance Rates
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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:
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.
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.
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
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.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,186 |
| $250 | $1,108 |
| $500 | $1,014 |
| $1,000 | $924 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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