Mazda RX-8 Insurance Rates
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UPDATED: Jun 3, 2023
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U.S. average insurance rates for a Mazda RX-8 are $994 a year with full coverage. Comprehensive insurance costs approximately $176, collision insurance costs $208, and liability coverage is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs $2,124 or more. Teen drivers pay the highest rates at up to $3,964 a year.
Average premium for full coverage: $994
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different RX-8 trim levels.
Price Range from Low to High
For the average driver, Mazda RX-8 insurance prices range from as low as $504 for basic liability insurance to a much higher rate of $2,124 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how location impacts auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details average Mazda RX-8 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $609
- Choosing higher $1,000 deductibles can save $88 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $994
- Choosing more expensive low deductibles for comp and collision coverage will cost an extra $164 each year
- Drivers with multiple violations and an at-fault accident could pay around $2,124
- The price for full coverage for a teenage driver with full coverage can cost $3,964 each year
Auto insurance prices for a Mazda RX-8 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles may only pay around $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $3,900 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 $720 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,340 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $898 | -$96 | -9.7% |
| Alaska | $762 | -$232 | -23.3% |
| Arizona | $826 | -$168 | -16.9% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,132 | $138 | 13.9% |
| Colorado | $950 | -$44 | -4.4% |
| Connecticut | $1,022 | $28 | 2.8% |
| Delaware | $1,124 | $130 | 13.1% |
| Florida | $1,242 | $248 | 24.9% |
| Georgia | $916 | -$78 | -7.8% |
| Hawaii | $714 | -$280 | -28.2% |
| Idaho | $672 | -$322 | -32.4% |
| Illinois | $740 | -$254 | -25.6% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $944 | -$50 | -5.0% |
| Kentucky | $1,354 | $360 | 36.2% |
| Louisiana | $1,470 | $476 | 47.9% |
| Maine | $612 | -$382 | -38.4% |
| Maryland | $818 | -$176 | -17.7% |
| Massachusetts | $794 | -$200 | -20.1% |
| Michigan | $1,726 | $732 | 73.6% |
| Minnesota | $830 | -$164 | -16.5% |
| Mississippi | $1,190 | $196 | 19.7% |
| Missouri | $882 | -$112 | -11.3% |
| Montana | $1,066 | $72 | 7.2% |
| Nebraska | $784 | -$210 | -21.1% |
| Nevada | $1,192 | $198 | 19.9% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,112 | $118 | 11.9% |
| New Mexico | $880 | -$114 | -11.5% |
| New York | $1,046 | $52 | 5.2% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $686 | -$308 | -31.0% |
| Oklahoma | $1,020 | $26 | 2.6% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $946 | -$48 | -4.8% |
| Rhode Island | $1,326 | $332 | 33.4% |
| South Carolina | $898 | -$96 | -9.7% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $870 | -$124 | -12.5% |
| Texas | $1,198 | $204 | 20.5% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $680 | -$314 | -31.6% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $770 | -$224 | -22.5% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $886 | -$108 | -10.9% |
Choosing high deductibles can save as much as $260 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 in extra premium each year, depending on your age. High-risk driver insurance ranges around 43% to 135% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $976 | $81 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $994 | $83 |
| Mazda RX-8 R3 4-Dr Coupe | $994 | $83 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2006 Mazda RX-8 | $176 | $208 | $452 | $994 |
| 2004 Mazda RX-8 | $154 | $188 | $442 | $942 |
Rates are averaged for all Mazda RX-8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Mazda RX-8 Insurance
Getting lower rates on auto insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around at every other renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a quick rundown of the concepts that were touched on above.
- Drivers with reckless driving or DUI convictions pay on average $1,130 more per year for car insurance
- Teenagers have the highest car insurance prices, costing up to $330 a month if they have full coverage
- You may be able to save around $110 per year just by shopping early and online
- Increasing physical damage deductibles can save around $250 each year
- You may be able to save around $110 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,964 |
| 20 | $2,258 |
| 30 | $1,010 |
| 40 | $994 |
| 50 | $910 |
| 60 | $890 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,158 |
| $250 | $1,084 |
| $500 | $994 |
| $1,000 | $906 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,084 |
| 100/300 | $1,197 |
| 250/500 | $1,491 |
| 100 CSL | $1,130 |
| 300 CSL | $1,378 |
| 500 CSL | $1,559 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,578 |
| 20 | $3,590 |
| 30 | $2,144 |
| 40 | $2,124 |
| 50 | $2,030 |
| 60 | $2,010 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $50 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $43 |
| Online Quote | $67 |
| Total Discounts | $385 |
Discounts are estimated and may not be available from every company or in every state.
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