Mazda RX-8 Insurance Rates
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UPDATED: Jun 3, 2023
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Estimated insurance rates for a Mazda RX-8 are $994 a year including full coverage. Comprehensive costs an estimated $176 a year, collision costs $208, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $2,124. 16-year-old drivers pay the most at $3,964 a year or more.
Average premium for full coverage: $994
Premium estimates broken down by type of coverage:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and RX-8 trim levels.
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 $504 for just the minimum liability insurance to a high of $2,124 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.
The diagram below illustrates how location helps determine insurance prices.
These rate differences highlight why it is important to compare prices for a targeted area, rather than relying on rate 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 breaks down estimated Mazda RX-8 insurance rates for other coverage scenarios.
- The best full coverage rate is $609
- Using higher $1,000 deductibles will save approximately $906 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $994
- Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,158
- Drivers with multiple tickets or accidents could pay up to $2,124 or more
- An auto insurance policy that insures a teen driver can cost as much as $3,964 or more
Insurance prices for a Mazda RX-8 also have a wide range based on the trim level of your RX-8, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little 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 can expect to pay at least $3,900 a year. View Rates by Age
Where you choose to live has a huge impact on Mazda RX-8 insurance rates. A driver around age 40 might see prices as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,420 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $898 | -$96 | -9.7% |
| Alaska | $762 | -$232 | -23.3% |
| Arizona | $826 | -$168 | -16.9% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,132 | $138 | 13.9% |
| Colorado | $950 | -$44 | -4.4% |
| Connecticut | $1,022 | $28 | 2.8% |
| Delaware | $1,124 | $130 | 13.1% |
| Florida | $1,242 | $248 | 24.9% |
| Georgia | $916 | -$78 | -7.8% |
| Hawaii | $714 | -$280 | -28.2% |
| Idaho | $672 | -$322 | -32.4% |
| Illinois | $740 | -$254 | -25.6% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $944 | -$50 | -5.0% |
| Kentucky | $1,354 | $360 | 36.2% |
| Louisiana | $1,470 | $476 | 47.9% |
| Maine | $612 | -$382 | -38.4% |
| Maryland | $818 | -$176 | -17.7% |
| Massachusetts | $794 | -$200 | -20.1% |
| Michigan | $1,726 | $732 | 73.6% |
| Minnesota | $830 | -$164 | -16.5% |
| Mississippi | $1,190 | $196 | 19.7% |
| Missouri | $882 | -$112 | -11.3% |
| Montana | $1,066 | $72 | 7.2% |
| Nebraska | $784 | -$210 | -21.1% |
| Nevada | $1,192 | $198 | 19.9% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,112 | $118 | 11.9% |
| New Mexico | $880 | -$114 | -11.5% |
| New York | $1,046 | $52 | 5.2% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $686 | -$308 | -31.0% |
| Oklahoma | $1,020 | $26 | 2.6% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $946 | -$48 | -4.8% |
| Rhode Island | $1,326 | $332 | 33.4% |
| South Carolina | $898 | -$96 | -9.7% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $870 | -$124 | -12.5% |
| Texas | $1,198 | $204 | 20.5% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $680 | -$314 | -31.6% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $770 | -$224 | -22.5% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $886 | -$108 | -10.9% |
Opting for high physical damage deductibles could cut prices by as much as $260 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so the 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 | $976 | $81 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $994 | $83 |
| Mazda RX-8 R3 4-Dr Coupe | $994 | $83 |
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 |
|---|---|---|---|---|
| 2006 Mazda RX-8 | $176 | $208 | $452 | $994 |
| 2004 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 Cheap Mazda RX-8 Insurance
Finding better rates on Mazda RX-8 insurance requires being safe and accident-free, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Comparison shop every other policy renewal by quoting rates from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a quick review of the ideas that were covered in the charts and tables above.
- Youthful drivers are charged the highest prices, with the cost nearing $330 per month if full coverage is included
- High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,130 more annually than a low-risk driver
- Increasing policy deductibles can save approximately $250 each year
- You may be able to save approximately $110 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,964 |
| 20 | $2,258 |
| 30 | $1,010 |
| 40 | $994 |
| 50 | $910 |
| 60 | $890 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,158 |
| $250 | $1,084 |
| $500 | $994 |
| $1,000 | $906 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,084 |
| 100/300 | $1,197 |
| 250/500 | $1,491 |
| 100 CSL | $1,130 |
| 300 CSL | $1,378 |
| 500 CSL | $1,559 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,578 |
| 20 | $3,590 |
| 30 | $2,144 |
| 40 | $2,124 |
| 50 | $2,030 |
| 60 | $2,010 |
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 | $50 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $43 |
| Online Quote | $67 |
| Total Discounts | $385 |
Discounts are estimated and may not be available from every company or in every state.
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