Mazda RX-8 Insurance Rates

U.S. average insurance rates for a Mazda RX-8 are $962 a year with full coverage. Comprehensive insurance costs around $160 a year, collision costs $198, and liability insurance is estimated at $446. Buying just liability costs approximately $500 a year, with insurance for high-risk drivers costing $2,066 or more. Teens pay the highest rates at $3,882 a year or more.

Average premium for full coverage: $962

Price estimates for individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and RX-8 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine auto insurance rates.

The ranges above demonstrate why it is important to get quotes for a specific zip code, rather than relying on averaged prices.

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

Rate Comparisons

The chart below details estimated Mazda RX-8 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $590
• Choosing higher $1,000 deductibles can save about $880 annually
• The estimated price for the average middle-age driver using $500 deductibles is $962
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $156 a year
• High-risk insureds with serious driving violations could pay at least $2,066 or more
• The price that insures a teen driver can be $3,882 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out at least $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 127% more than the average policy. View High Risk Driver Rates

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

The state you live in plays a big part in determining prices for Mazda RX-8 insurance rates. A good driver about age 40 could pay as low as $690 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,300 on average in Florida, Michigan, and New York.

View Chart as Image

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

Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer 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 Find More Affordable Mazda RX-8 Insurance

Getting lower rates on Mazda RX-8 insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every time your policy renews by quoting rates from direct companies, and also from your local independent and exclusive agents.

The following items are a summary of the information covered in the charts and tables above.

• You may be able to save up to $110 per year simply by quoting early and online
• 16 to 18-year-old drivers are charged the highest prices, costing up to $324 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $250 each year
• High-risk drivers who have multiple accidents or major violations may pay on average $1,100 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay approximately $490 every year to raise limits from a low limit to the 250/500 level