Mazda RX-8 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 3, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $160
Collision $198
Liability $446

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

For a driver around age 40, insurance rates for a Mazda RX-8 go from as low as $500 for just liability insurance to the much higher price of $2,066 for a driver required to buy high-risk insurance.

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

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.

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

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

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

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.

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

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

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 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

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles