Mazda RX-8 Insurance Rates

U.S. average insurance prices for a Mazda RX-8 are $942 every 12 months including full coverage. Comprehensive insurance costs around $154, collision costs $188, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $2,020 or more. Teen drivers pay the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Price estimates for individual coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all RX-8 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas.

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

The ranges above highlight why everyone should get quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

The chart below breaks down estimated Mazda RX-8 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $578
• Choosing higher $1,000 deductibles can save about $78 every year
• The average price for the average middle-age driver using $500 deductibles is $942
• Choosing pricier low deductibles for comp and collision coverage costs an extra $148 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,020 or more
• The price to insure a 16-year-old driver for full coverage can be $3,814 each year

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

Choosing high deductibles can save as much as $230 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,100 to $1,600 additional each year, depending on your age. Mazda RX-8 insurance for high-risk drivers ranges from 42% to 130% more than average. View High Risk Driver Rates

The state you live in 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 Missouri, New Hampshire, and Vermont, or as much as $1,350 on average in Michigan, New York, and Louisiana.

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Since prices can be so different, the best way to figure out your exact price is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, and prices may be quite different.

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 Shop for Cheaper Mazda RX-8 Insurance

Getting lower rates on insurance for a Mazda RX-8 takes being a good driver, having above-average credit, being claim-free, and taking advantage of discounts. Take the time to compare rates 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 list is a condensed summary of the information covered in the above illustrations.

• You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are charged the highest prices, possibly costing $318 a month if full coverage is included
• Increasing physical damage deductibles could save as much as $225 each year
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,080 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay about $490 per year to raise limits from a low limit to a 250/500 level