Mazda RX-8 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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The average insurance rates for a Mazda RX-8 are $942 a year for full coverage insurance. Comprehensive insurance costs around $154 a year, collision costs $188, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $2,020 or more. 16-year-old 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:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and RX-8 trim levels.
Price Range Variability
Using a middle-aged driver as an example, Mazda RX-8 insurance rates go from the low end price of $496 for the bare minimum liability coverage to a high of $2,020 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than congested cities.
The diagram below illustrates how where you live affects auto insurance rates.
The examples above illustrate why it is important to compare prices for a specific zip code, rather than using rate 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.
Additional Rate Information
The chart below illustrates estimated Mazda RX-8 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $578
- Using higher $1,000 deductibles will save about $864 each year
- The estimated price for a good driver age 40 using $500 deductibles is $942
- Buying low $100 deductibles for physical damage coverage will cost an additional $148 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,020 or more
- Policy cost that insures a teenage driver can be $3,814 or more
Insurance rates for a Mazda RX-8 also range considerably based on the trim level of your RX-8, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,100 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can be around 42% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $3,800 a year. View Rates by Age
Your home state has a huge impact on Mazda RX-8 insurance rates. A driver around age 40 might see rates as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,280 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $854 | -$88 | -9.3% |
| Alaska | $724 | -$218 | -23.1% |
| Arizona | $784 | -$158 | -16.8% |
| Arkansas | $942 | -$0 | 0.0% |
| California | $1,074 | $132 | 14.0% |
| Colorado | $902 | -$40 | -4.2% |
| Connecticut | $970 | $28 | 3.0% |
| Delaware | $1,066 | $124 | 13.2% |
| Florida | $1,182 | $240 | 25.5% |
| Georgia | $870 | -$72 | -7.6% |
| Hawaii | $680 | -$262 | -27.8% |
| Idaho | $638 | -$304 | -32.3% |
| Illinois | $704 | -$238 | -25.3% |
| Indiana | $710 | -$232 | -24.6% |
| Iowa | $636 | -$306 | -32.5% |
| Kansas | $896 | -$46 | -4.9% |
| Kentucky | $1,286 | $344 | 36.5% |
| Louisiana | $1,396 | $454 | 48.2% |
| Maine | $582 | -$360 | -38.2% |
| Maryland | $780 | -$162 | -17.2% |
| Massachusetts | $756 | -$186 | -19.7% |
| Michigan | $1,638 | $696 | 73.9% |
| Minnesota | $790 | -$152 | -16.1% |
| Mississippi | $1,132 | $190 | 20.2% |
| Missouri | $838 | -$104 | -11.0% |
| Montana | $1,014 | $72 | 7.6% |
| Nebraska | $744 | -$198 | -21.0% |
| Nevada | $1,132 | $190 | 20.2% |
| New Hampshire | $680 | -$262 | -27.8% |
| New Jersey | $1,054 | $112 | 11.9% |
| New Mexico | $834 | -$108 | -11.5% |
| New York | $994 | $52 | 5.5% |
| North Carolina | $544 | -$398 | -42.3% |
| North Dakota | $772 | -$170 | -18.0% |
| Ohio | $652 | -$290 | -30.8% |
| Oklahoma | $970 | $28 | 3.0% |
| Oregon | $864 | -$78 | -8.3% |
| Pennsylvania | $902 | -$40 | -4.2% |
| Rhode Island | $1,260 | $318 | 33.8% |
| South Carolina | $854 | -$88 | -9.3% |
| South Dakota | $796 | -$146 | -15.5% |
| Tennessee | $828 | -$114 | -12.1% |
| Texas | $1,136 | $194 | 20.6% |
| Utah | $700 | -$242 | -25.7% |
| Vermont | $646 | -$296 | -31.4% |
| Virginia | $564 | -$378 | -40.1% |
| Washington | $732 | -$210 | -22.3% |
| West Virginia | $864 | -$78 | -8.3% |
| Wisconsin | $654 | -$288 | -30.6% |
| Wyoming | $842 | -$100 | -10.6% |
Opting for high physical damage deductibles could cut rates by as much as $230 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out your exact price is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $930 | $78 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $942 | $79 |
| Mazda RX-8 R3 4-Dr Coupe | $942 | $79 |
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 |
|---|---|---|---|---|
| 2010 Mazda RX-8 | $180 | $224 | $468 | $1,030 |
| 2006 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
Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit score, being claim-free, and taking advantage of discounts. Comparison shop at every other renewal by quoting rates from direct insurance companies, and also from insurance agencies where you live.
The following items are a quick rundown of the concepts that were touched on in the above illustrations.
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,080 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers are charged the highest rates, possibly costing $318 each month if comprehensive and collision insurance is included
- It is possible to save up to $100 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $225 each year
- It is possible to save up to $100 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,814 |
| 20 | $2,150 |
| 30 | $958 |
| 40 | $942 |
| 50 | $866 |
| 60 | $848 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,090 |
| $250 | $1,024 |
| $500 | $942 |
| $1,000 | $864 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $942 |
| 50/100 | $1,030 |
| 100/300 | $1,141 |
| 250/500 | $1,428 |
| 100 CSL | $1,075 |
| 300 CSL | $1,318 |
| 500 CSL | $1,495 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,356 |
| 20 | $3,422 |
| 30 | $2,036 |
| 40 | $2,020 |
| 50 | $1,932 |
| 60 | $1,912 |
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 | $47 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $56 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $33 |
| Advance Quote | $40 |
| Online Quote | $63 |
| Total Discounts | $364 |
Discounts are estimated and may not be available from every company or in every state.
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