Mazda RX-8 Insurance Rates

The average insurance rates for a Mazda RX-8 are $942 a year with full coverage. Comprehensive insurance costs on average $154, collision costs $188, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $2,020 or more. Teen 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:

Estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all RX-8 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas.

The example below illustrates how where you live affects car insurance rates.

The examples above demonstrate why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $578
• Using higher $1,000 deductibles will save around $78 annually
• The average rate for a good driver age 40 with $500 deductibles is $942
• Choosing pricier low deductibles for physical damage coverage will cost an extra $148 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,020 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $3,814 or more

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $3,800 a year. View Rates by Age

Your home state has a huge impact on Mazda RX-8 insurance prices. A driver around age 40 might see rates as low as $680 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,280 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $230 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,100 to $1,600 extra every year, depending on your age. Mazda RX-8 insurance for high-risk drivers can be from 42% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

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 Low Cost Mazda RX-8 Insurance

Finding cheaper rates on insurance for a Mazda RX-8 requires being a good driver, maintaining good credit, not filing small claims, and bundling your home and auto policies. Take the time to comparison shop every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a review of the material that was touched on in the above illustrations.

• Insureds who require an increased level of liability coverage will pay about $490 every year to increase from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 pay the highest rates, as much as $318 each month for full coverage
• Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,080 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save around $225 each year