Mazda RX-8 Insurance Rates

U.S. average auto insurance rates for a Mazda RX-8 are $962 annually for full coverage insurance. Comprehensive insurance costs on average $160, collision costs $198, and liability coverage costs $446. Liability-only coverage costs as little as $500 a year, with high-risk coverage costing $2,066 or more. Teenage drivers pay the highest rates at $3,882 a year or more.

Average premium for full coverage: $962

Price estimates by individual coverage:

Full coverage includes $500 physical damage deductibles, liability limits of 30/60, 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 large influence on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.

The example below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why everyone should compare rates based on a specific location and their own personal driving habits, rather than using 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 $590
• Drivers who choose higher $1,000 deductibles will pay around $82 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $962
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $156 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,066 or more
• The price with full coverage for a teenage driver for full coverage may cost $3,882 a year

View Chart as Image

Auto insurance prices for a Mazda RX-8 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,600 in extra premium each year, depending on your age. Mazda RX-8 insurance for high-risk drivers can cost around 41% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $240 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $402 extra every year. View Rates by Deductible or Liability Limit

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 $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.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Buy More Affordable Mazda RX-8 Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a summary of the data that was covered in the above illustrations.

• It is possible to save as much as $110 per year simply by quoting online well ahead of the renewal date
• Consumers who require higher levels of liability will pay an extra $490 annually to go from a low limit to higher 250/500 limits
• Teenage drivers are charged the highest prices, as much as $324 a month if full coverage is included
• Drivers who have multiple accidents or major violations may pay on average $1,100 more each year for auto insurance