Mazda RX-8 Insurance Rates

Estimated insurance rates for a Mazda RX-8 are $942 a year for full coverage insurance. Comprehensive costs on average $154, collision insurance costs $188, and liability coverage costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs around $2,020. Teen drivers pay the most at up to $3,814 a year.

Average premium for full coverage: $942

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different RX-8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using price averages.

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

Rates by State, City, and Model

The chart below illustrates average 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 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $942
• Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,090
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,020
• An auto insurance policy for full coverage for a teenage driver with full coverage may cost $3,814 or more

View Chart as Image

Car insurance prices for a Mazda RX-8 also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $3,800 a year. View Rates by Age

Where you choose to live has a huge impact on Mazda RX-8 insurance rates. A driver around age 40 might see prices as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,280 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $230 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,100 to $1,600 extra annually, depending on your age. High-risk driver insurance can be around 42% to 130% more than average. View High Risk Driver Rates

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 Affordable Mazda RX-8 Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief review of the information touched on in the above illustrations.

• It is possible to save as much as $100 per year just by shopping early and online
• Drivers under the age of 20 are expensive to insure, with premiums being up to $318 per month if full coverage is included
• Increasing policy deductibles can save around $225 each year
• Drivers with DUI or reckless driving convictions pay an average of $1,080 more each year to insure a Mazda RX-8
• Consumers who require increased liability limits will pay about $490 annually to increase from 30/60 bodily injury limits to 250/500 limits