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...

Insurance Lawyer

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:

Comprehensive $160
Collision $198
Liability $446

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.

Liability Only $500
Full Coverage $962
High Risk $2,066

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.

Rural Areas $722
Small Cities $1,010
Large Cities $1,299

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

View Chart as Image

Mazda RX-8 insurance cost comparison chart
Column chart showing full coverage Mazda RX-8 insurance prices range from $590 to $3,882

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.

Mazda RX-8 Insurance Rates by State
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%

View Chart as Image

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

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

Mazda RX-8 Insurance Rates by Model and Trim Level
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.

Mazda RX-8 Insurance Rates by Model Year
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

Rates by Driver Age

Mazda RX-8 Insurance 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

Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,048
$500 $962
$1,000 $880

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
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

Mazda RX-8 Insurance 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.

SR-22 Surcharge $127

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
Rate after discounts $590

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

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