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 $942 a year for full coverage. Comprehensive insurance costs around $154, collision costs $188, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $2,020 or more. Teen drivers pay the most at $3,814 a year or more.
Average premium for full coverage: $942
Premium estimates for type of coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all RX-8 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Mazda RX-8 go from the low end price of $496 for just the minimum liability insurance to the much higher price of $2,020 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than larger metro areas.
The example below illustrates how location helps determine auto insurance rates.
These rate differences show why everyone should compare prices for a specific zip code, instead of making a decision based on price averages.
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.
Additional Rate Analysis
The chart below shows estimated Mazda RX-8 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $578
- Using higher $1,000 deductibles will save about $78 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $942
- Choosing pricier low deductibles for physical damage coverage will cost an additional $148 annually
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,020 or more
- An auto insurance policy that insures a 16-year-old driver for full coverage can be $3,814 or more
Insurance prices for a Mazda RX-8 also have a wide range based on the model of your RX-8, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,100 to $1,600 additional annually, depending on your age. Mazda RX-8 insurance for high-risk drivers can be from 42% to 130% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $3,800 a year. View Rates by Age
Where you choose to live has a huge impact on Mazda RX-8 insurance prices. A driver around age 40 might see prices as low as $620 a year in states like Idaho, Maine, and Iowa, or as much as $1,350 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $854 | -$88 | -9.3% |
| Alaska | $724 | -$218 | -23.1% |
| Arizona | $784 | -$158 | -16.8% |
| Arkansas | $942 | -$0 | 0.0% |
| California | $1,074 | $132 | 14.0% |
| Colorado | $902 | -$40 | -4.2% |
| Connecticut | $970 | $28 | 3.0% |
| Delaware | $1,066 | $124 | 13.2% |
| Florida | $1,182 | $240 | 25.5% |
| Georgia | $870 | -$72 | -7.6% |
| Hawaii | $680 | -$262 | -27.8% |
| Idaho | $638 | -$304 | -32.3% |
| Illinois | $704 | -$238 | -25.3% |
| Indiana | $710 | -$232 | -24.6% |
| Iowa | $636 | -$306 | -32.5% |
| Kansas | $896 | -$46 | -4.9% |
| Kentucky | $1,286 | $344 | 36.5% |
| Louisiana | $1,396 | $454 | 48.2% |
| Maine | $582 | -$360 | -38.2% |
| Maryland | $780 | -$162 | -17.2% |
| Massachusetts | $756 | -$186 | -19.7% |
| Michigan | $1,638 | $696 | 73.9% |
| Minnesota | $790 | -$152 | -16.1% |
| Mississippi | $1,132 | $190 | 20.2% |
| Missouri | $838 | -$104 | -11.0% |
| Montana | $1,014 | $72 | 7.6% |
| Nebraska | $744 | -$198 | -21.0% |
| Nevada | $1,132 | $190 | 20.2% |
| New Hampshire | $680 | -$262 | -27.8% |
| New Jersey | $1,054 | $112 | 11.9% |
| New Mexico | $834 | -$108 | -11.5% |
| New York | $994 | $52 | 5.5% |
| North Carolina | $544 | -$398 | -42.3% |
| North Dakota | $772 | -$170 | -18.0% |
| Ohio | $652 | -$290 | -30.8% |
| Oklahoma | $970 | $28 | 3.0% |
| Oregon | $864 | -$78 | -8.3% |
| Pennsylvania | $902 | -$40 | -4.2% |
| Rhode Island | $1,260 | $318 | 33.8% |
| South Carolina | $854 | -$88 | -9.3% |
| South Dakota | $796 | -$146 | -15.5% |
| Tennessee | $828 | -$114 | -12.1% |
| Texas | $1,136 | $194 | 20.6% |
| Utah | $700 | -$242 | -25.7% |
| Vermont | $646 | -$296 | -31.4% |
| Virginia | $564 | -$378 | -40.1% |
| Washington | $732 | -$210 | -22.3% |
| West Virginia | $864 | -$78 | -8.3% |
| Wisconsin | $654 | -$288 | -30.6% |
| Wyoming | $842 | -$100 | -10.6% |
Choosing high deductibles could cut prices by as much as $230 annually, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know your exact price is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $930 | $78 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $942 | $79 |
| Mazda RX-8 R3 4-Dr Coupe | $942 | $79 |
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 | $180 | $224 | $468 | $1,030 |
| 2006 Mazda RX-8 | $154 | $188 | $442 | $942 |
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 Mazda RX-8 Insurance
Finding better rates on insurance for a Mazda RX-8 requires avoiding accidents and claims, having a good credit score, not filing small claims, and taking advantage of discounts. Shop around once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.
The points below are a brief recap of the data that was covered in the charts and tables above.
- Drivers can save up to $100 per year simply by quoting online well ahead of the renewal date
- Insureds who may need increased liability limits will pay about $490 each year to increase from 30/60 bodily injury limits to the 250/500 level
- Drivers under the age of 20 are charged the highest prices, as much as $318 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who tend to receive serious violations pay on average $1,080 more every year to insure a Mazda RX-8
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,814 |
| 20 | $2,150 |
| 30 | $958 |
| 40 | $942 |
| 50 | $866 |
| 60 | $848 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,090 |
| $250 | $1,024 |
| $500 | $942 |
| $1,000 | $864 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $942 |
| 50/100 | $1,030 |
| 100/300 | $1,141 |
| 250/500 | $1,428 |
| 100 CSL | $1,075 |
| 300 CSL | $1,318 |
| 500 CSL | $1,495 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,356 |
| 20 | $3,422 |
| 30 | $2,036 |
| 40 | $2,020 |
| 50 | $1,932 |
| 60 | $1,912 |
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 | $47 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $56 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $33 |
| Advance Quote | $40 |
| Online Quote | $63 |
| Total Discounts | $364 |
Discounts are estimated and may not be available from every company or in every state.
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