Mazda RX-8 Insurance Rates

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

Average premium for full coverage: $942

Policy rates for type of insurance:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance rates.

The examples above demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $578
• Using higher $1,000 deductibles will save about $864 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $942
• Using low $100 deductibles for physical damage coverage costs an additional $148 a year
• Drivers who are prone to accidents and violations could pay at least $2,020 or more
• Policy cost with full coverage for a teen driver can be $3,814 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $3,800 a year. View Rates by Age

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

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

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

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy Low Cost Mazda RX-8 Insurance

Finding cheaper rates on Mazda RX-8 insurance requires having a good driving record, having good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around at every policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a review of the data illustrated above.

• Drivers who may need increased levels of liability coverage will pay an extra $490 every year to increase from a 30/60 limit to higher 250/500 limits
• You may be able to save up to $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Drivers age 20 and younger are charged the highest rates, as much as $318 each month if they have full coverage