Mazda RX-8 Insurance Rates

Estimated insurance rates for a Mazda RX-8 are $942 a year for full coverage insurance. Comprehensive costs around $154, collision insurance costs $188, and liability costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver 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 for type of coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different RX-8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code, 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 illustrates average Mazda RX-8 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $578
• Using higher $1,000 deductibles will save about $78 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $942
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,090
• High-risk insureds who are prone to accidents and violations could pay at least $2,020
• An auto insurance policy that insures a 16-year-old driver with full coverage can be $3,814 or more

View Chart as Image

Insurance prices for a Mazda RX-8 also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,100 to $1,600 additional annually, depending on your age. High-risk driver insurance can be from 42% to 130% more than a normal policy. View High Risk Driver Rates

An older 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 much higher 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,280 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $230 annually, while increasing your policy's liability limits will increase prices. Switching 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

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 Cheaper Mazda RX-8 Insurance

Finding better rates on insurance for a Mazda RX-8 requires being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a condensed summary of the data that was covered in the charts and tables above.

• It is possible to save up to $100 per year just by shopping early and online
• Insureds who may need more liability protection will pay an extra $490 annually to increase from 30/60 bodily injury limits to the 250/500 level
• Youthful drivers are charged the highest prices, with premiums being up to $318 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,080 more every year than a low-risk driver