Mazda RX-8 Insurance Rates

U.S. average insurance prices for a Mazda RX-8 are $962 every 12 months with full coverage. Comprehensive costs approximately $160, collision costs $198, and liability coverage costs $446. Buying just liability costs as little as $500 a year, with insurance for high-risk drivers costing around $2,066. Teens 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 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all RX-8 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why everyone should compare rates using their specific location and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Mazda RX-8 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $590
• Drivers who choose higher $1,000 deductibles will pay $82 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $962
• Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,118
• High-risk insureds with serious driving violations could pay around $2,066 or more
• The price to insure a teenage driver for full coverage can cost $3,882 a year

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

Choosing higher comprehensive and collision insurance deductibles could save up to $240 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $402 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,100 to $1,600 additional each year, depending on your age. Mazda RX-8 insurance for high-risk drivers can cost around 41% to 127% more than the average policy. View High Risk Driver Rates

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 $690 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Every company calculates prices differently, 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 More Affordable Mazda RX-8 Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a summary of the data illustrated above.

• Consumers who purchase higher liability limits will pay approximately $490 every year to go from a low limit to a 250/500 level
• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $250 each year
• Teens are the costliest to insure, costing up to $324 a month if full coverage is included