Mazda RX-8 Insurance Rates

Estimated insurance rates for a Mazda RX-8 are $942 a year including full coverage. Comprehensive costs approximately $154 a year, collision insurance costs $188, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs around $2,020. Teenage drivers pay the most at up to $3,814 a year.

Average premium for full coverage: $942

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and RX-8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down average Mazda RX-8 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $578
• Choosing higher $1,000 deductibles can save $864 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $942
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,090
• Higher-risk drivers who are prone to accidents and violations could pay around $2,020
• An auto insurance policy for full coverage for a 16-year-old driver can cost $3,814 each year

View Chart as Image

Auto insurance prices for a Mazda RX-8 also have a wide range based on your driving characteristics, the model of your RX-8, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $900 annually 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 in the ballpark of $3,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Mazda RX-8 insurance prices. A good driver about age 40 could pay as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,350 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $230 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 130% more than a normal policy. View High Risk Driver Rates

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 Cheap Mazda RX-8 Insurance

Finding better rates on insurance for a Mazda RX-8 takes having a decent driving record, having good credit, refrain from filing small claims, and possibly higher deductibles. Invest the time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a brief summary of the information illustrated above.

• You may be able to save around $100 per year just by quoting early and online
• 16 to 18-year-old drivers have the highest car insurance prices, with the cost nearing $318 per month if they have full coverage
• Increasing policy deductibles can save around $225 each year
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,080 more per year than a driver with a clean driving record
• Insureds who purchase additional liability coverage will pay an extra $490 per year to raise limits from 30/60 bodily injury limits to 250/500 limits