Mazda RX-8 Insurance Rates

Estimated insurance rates for a Mazda RX-8 are $962 a year for full coverage insurance. Comprehensive insurance costs on average $160, collision costs $198, and liability insurance is $446. A liability-only policy costs around $500 a year, with high-risk insurance costing $2,066 or more. Teenage drivers pay the most at $3,882 a year or more.

Average premium for full coverage: $962

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all RX-8 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why everyone should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

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

More Rate Details

The chart below illustrates estimated Mazda RX-8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $590
• Raising to $1,000 deductibles will save around $82 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $962
• Using pricier low deductibles will cost an extra $156 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,066 or more
• An auto insurance policy for full coverage for a teen driver for full coverage may cost $3,882

View Chart as Image

Auto insurance prices for a Mazda RX-8 also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $3,800 a year. View Rates by Age

Where you choose to live also has a big influence on Mazda RX-8 insurance rates. A middle-age driver might find prices as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,300 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $240 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $402 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,100 to $1,600 in extra premium annually, depending on your age. Mazda RX-8 insurance for high-risk drivers is expensive and can cost anywhere from 41% to 127% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 the Best Cheap Mazda RX-8 Insurance

Finding better rates on Mazda RX-8 insurance consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a quick review of the data covered above.

• Drivers who require more liability protection will pay an extra $490 annually to raise from 30/60 bodily injury limits to 250/500 limits
• It is possible to save as much as $110 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $250 each year
• Youthful drivers are charged the highest prices, with premiums being up to $324 per month if they have full coverage