Mazda RX-8 Insurance Rates

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

Average premium for full coverage: $942

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area, rather than relying on price averages.

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

Additional Rate Details

The chart below details estimated Mazda RX-8 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $578
• Drivers who choose higher $1,000 deductibles will pay approximately $864 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $942
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,090
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,020 or more
• Policy cost that insures a teen driver can cost as much as $3,814 a year

View Chart as Image

Insurance rates for a Mazda RX-8 also range considerably based on the trim level of your RX-8, your age and driving habits, and liability limits and deductibles.

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

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $3,800 a year. View Rates by Age

Your home state makes a big difference in Mazda RX-8 insurance rates. A 40-year-old driver could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,280 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $230 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, and rates will be varied.

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 cheaper rates on Mazda RX-8 insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and maximizing policy discounts. Shop around at every policy renewal by requesting rates from direct companies, and also from insurance agencies where you live.

The items below are a condensed summary of the data raised in the charts and tables above.

• Drivers who want more liability coverage will pay about $490 every year to go from a 30/60 limit to the 250/500 level
• You may be able to save approximately $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Teen drivers are expensive to insure, as much as $318 each month if comprehensive and collision insurance is included