Mazda RX-8 Insurance Rates

The average auto insurance rates for a Mazda RX-8 are $942 annually with full coverage. Comprehensive insurance costs on average $154 a year, collision costs $188, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $2,020 or more. Teenage drivers cost the most to insure at $3,814 a year or more.

Average premium for full coverage: $942

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $578
• Choosing higher $1,000 deductibles can save around $864 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $942
• Using low $100 deductibles for comp and collision coverage costs an additional $148 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,020 or more
• Policy cost with full coverage for a teen driver may cost $3,814 each year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,100 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $230 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Mazda RX-8 insurance rates. A good driver about age 40 could pay as low as $680 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,280 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied 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 the Right Mazda RX-8 Insurance

Finding cheaper rates on Mazda RX-8 insurance takes being a low-risk driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a quick rundown of the coverage data presented in the illustrations above.

• You may be able to save as much as $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Teen drivers pay higher rates, as much as $318 each month if they have full coverage
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,080 more each year to insure their RX-8