Mazda RX-8 Insurance Rates

U.S. average insurance rates for a Mazda RX-8 are $942 a year for full coverage insurance. Comprehensive insurance costs on average $154, collision costs $188, and liability insurance costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $2,020 or more. Teenage drivers pay the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Price estimates by individual coverage:

Price estimates include $500 policy 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

Geographic Price Range

Your location has a significant impact on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how your location can change car insurance rates.

The ranges above illustrate why everyone should compare rates 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.

Additional Rate Analysis

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

• The best discount rate is $578
• Drivers who choose higher $1,000 deductibles will pay around $78 each year
• The average rate for the average middle-age driver with $500 deductibles is $942
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $148 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $2,020 or more
• The price for full coverage for a teen driver for full coverage may cost $3,814 a year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $3,800 a year. View Rates by Age

The state you live in makes a big difference in Mazda RX-8 insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,280 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $230 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,100 to $1,600 additional each year, depending on your age. Mazda RX-8 insurance for high-risk drivers can cost anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, and prices may be quite 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 Cheaper Mazda RX-8 Insurance

Getting lower rates on Mazda RX-8 insurance not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around at every other renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the concepts that were illustrated above.

• High-risk drivers with multiple at-fault accidents pay an average of $1,080 more each year than a low-risk driver
• Youthful drivers pay higher prices, as much as $318 a month including comprehensive and collision insurance
• It is possible to save as much as $100 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $225 each year
• It is possible to save as much as $100 per year simply by quoting online well ahead of the renewal date