Mazda RX-8 Insurance Rates
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UPDATED: May 12, 2022
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The average insurance prices for a Mazda RX-8 are $1,014 every 12 months for full coverage insurance. Comprehensive costs approximately $178 each year, collision costs $218, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,174. Teenage drivers cost the most to insure at $4,048 a year or more.
Average premium for full coverage: $1,014
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and RX-8 models.
Price Range Variability
For the average driver, Mazda RX-8 insurance rates go from the cheapest price of $510 for just liability coverage to a high rate of $2,174 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.
The graphic below illustrates how location impacts auto insurance prices.
The examples above illustrate why all drivers should compare rates using their specific location and their own driving history, rather than relying on 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.
Detailed Rate Analysis
The chart below illustrates estimated Mazda RX-8 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $618
- Drivers who choose higher $1,000 deductibles will pay $90 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,014
- Using low deductibles for comprehensive and collision insurance increases the price to $1,186
- High risk drivers who are prone to accidents and violations could pay around $2,174 or more
- Policy cost to insure a teen driver can cost $4,048 a year
Insurance rates for a Mazda RX-8 also range considerably based on liability limits and deductibles, your risk profile, and the model of your RX-8.
Using high physical damage deductibles could save up to $270 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Mazda RX-8 insurance rates. A 40-year-old driver could pay as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,370 on average in Florida, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied.
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 the Best Mazda RX-8 Insurance
Finding cheaper rates on Mazda RX-8 insurance not only requires being safe and accident-free, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
Below you'll find a brief recap of the information touched on above.
- It is possible to save around $110 per year simply by quoting online in advance
- Youthful drivers are the costliest to insure, possibly costing $337 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- High-risk drivers who tend to receive serious violations may have to pay on average $1,160 more per year than a low-risk driver
- Drivers who purchase more liability protection will pay an extra $510 annually to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$61|
|5-yr Claim Free||$63|
|Paid in Full/EFT||$37|
Discounts are estimated and may not be available from every company or in every state.
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