Mazda RX-8 Insurance Rates
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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...
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UPDATED: Apr 3, 2024
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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
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,118 |
$250 | $1,048 |
$500 | $962 |
$1,000 | $880 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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