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: Apr 3, 2024

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U.S. average insurance rates for a Mazda RX-8 are $994 a year for full coverage insurance. Comprehensive insurance costs an estimated $176, collision insurance costs $208, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs $2,124 or more. Teenage drivers pay the highest rates at up to $3,964 a year.

Average premium for full coverage: $994

Price estimates broken down by individual coverage:

Comprehensive $176
Collision $208
Liability $452

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all RX-8 models.

Price Range from Low to High

For a driver in their 40's, Mazda RX-8 insurance prices range from as low as $504 for just the minimum liability insurance to the much higher price of $2,124 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $994
High Risk $2,124

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how location helps determine insurance prices.

Rural Areas $746
Small Cities $1,044
Large Cities $1,342

The ranges above illustrate why everyone should get quotes for a targeted area and risk profile, instead of 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.

Additional Rate Analysis

The chart below illustrates average Mazda RX-8 insurance rates for other coverage scenarios.

  • The best discount rate is $609
  • Choosing higher $1,000 deductibles can save approximately $88 each year
  • The average rate for the average middle-age driver who has $500 deductibles is $994
  • Using pricier low deductibles for comp and collision coverage will cost an extra $164 every year
  • Unlucky drivers who are prone to accidents and violations could pay up to $2,124
  • The price for full coverage for a teen driver for full coverage can cost as much as $3,964 each year

View Chart as Image

Mazda RX-8 insurance cost comparison chart
Column chart showing Mazda RX-8 insurance prices range from $609 to $3,964 for full coverage

Car insurance prices for a Mazda RX-8 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $3,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mazda RX-8 insurance prices. A good driver about age 40 could pay as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,340 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 $898 -$96 -9.7%
Alaska $762 -$232 -23.3%
Arizona $826 -$168 -16.9%
Arkansas $994 -$0 0.0%
California $1,132 $138 13.9%
Colorado $950 -$44 -4.4%
Connecticut $1,022 $28 2.8%
Delaware $1,124 $130 13.1%
Florida $1,242 $248 24.9%
Georgia $916 -$78 -7.8%
Hawaii $714 -$280 -28.2%
Idaho $672 -$322 -32.4%
Illinois $740 -$254 -25.6%
Indiana $748 -$246 -24.7%
Iowa $668 -$326 -32.8%
Kansas $944 -$50 -5.0%
Kentucky $1,354 $360 36.2%
Louisiana $1,470 $476 47.9%
Maine $612 -$382 -38.4%
Maryland $818 -$176 -17.7%
Massachusetts $794 -$200 -20.1%
Michigan $1,726 $732 73.6%
Minnesota $830 -$164 -16.5%
Mississippi $1,190 $196 19.7%
Missouri $882 -$112 -11.3%
Montana $1,066 $72 7.2%
Nebraska $784 -$210 -21.1%
Nevada $1,192 $198 19.9%
New Hampshire $716 -$278 -28.0%
New Jersey $1,112 $118 11.9%
New Mexico $880 -$114 -11.5%
New York $1,046 $52 5.2%
North Carolina $572 -$422 -42.5%
North Dakota $814 -$180 -18.1%
Ohio $686 -$308 -31.0%
Oklahoma $1,020 $26 2.6%
Oregon $910 -$84 -8.5%
Pennsylvania $946 -$48 -4.8%
Rhode Island $1,326 $332 33.4%
South Carolina $898 -$96 -9.7%
South Dakota $838 -$156 -15.7%
Tennessee $870 -$124 -12.5%
Texas $1,198 $204 20.5%
Utah $736 -$258 -26.0%
Vermont $680 -$314 -31.6%
Virginia $594 -$400 -40.2%
Washington $770 -$224 -22.5%
West Virginia $910 -$84 -8.5%
Wisconsin $688 -$306 -30.8%
Wyoming $886 -$108 -10.9%

View Chart as Image

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

Using high physical damage deductibles can save as much as $260 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,200 to $1,700 extra each year, depending on your age. Mazda RX-8 insurance for high-risk drivers ranges as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

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 $976 $81
Mazda RX-8 Grand Touring 4-Dr Coupe $994 $83
Mazda RX-8 R3 4-Dr Coupe $994 $83

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 $198 $274 $474 $1,104
2006 Mazda RX-8 $176 $208 $452 $994
2004 Mazda RX-8 $154 $188 $442 $942

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 Find Cheaper Mazda RX-8 Insurance

Getting lower rates on car insurance takes having a decent driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates at every other renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a condensed summary of the concepts that were covered in the charts and tables above.

  • Higher risk drivers with multiple at-fault accidents pay on average $1,130 more annually than a driver with a clean driving record
  • 16 to 18-year-old drivers have the highest car insurance prices, as much as $330 a month if full coverage is included
  • It is possible to save approximately $110 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $250 each year
  • It is possible to save approximately $110 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Mazda RX-8 Insurance Rates by Driver Age
Driver Age Premium
16 $3,964
20 $2,258
30 $1,010
40 $994
50 $910
60 $890

Full coverage, $500 deductibles

Rates by Deductible

Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,158
$250 $1,084
$500 $994
$1,000 $906

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $994
50/100 $1,084
100/300 $1,197
250/500 $1,491
100 CSL $1,130
300 CSL $1,378
500 CSL $1,559

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda RX-8 Insurance Rates for High Risk Drivers
Age Premium
16 $5,578
20 $3,590
30 $2,144
40 $2,124
50 $2,030
60 $2,010

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 $130

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $59
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $385
Rate after discounts $609

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

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