Mazda RX-8 Insurance Rates

Estimated insurance prices for a Mazda RX-8 are $942 every 12 months with full coverage. Comprehensive insurance costs on average $154, collision costs $188, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $2,020 or more. Teens pay the most at $3,814 a year or more.

Average premium for full coverage: $942

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different RX-8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $578
• Choosing higher $1,000 deductibles can save around $78 annually
• The average price for a 40-year-old good driver with $500 deductibles is $942
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $148 every year
• Unlucky drivers with serious driving violations could pay upwards of $2,020 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $3,814 each year

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Auto insurance prices for a Mazda RX-8 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your RX-8.

Choosing higher comprehensive and collision insurance deductibles can save as much as $230 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,600 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 42% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Mazda RX-8 insurance prices. A good driver about age 40 could pay as low as $680 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,280 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices will be substantially different.

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 Shop for Low Cost Mazda RX-8 Insurance

Finding better rates on car insurance takes having a decent driving record, having a good credit score, being claim-free, and taking advantage of discounts. Spend time shopping around every other policy renewal by getting quotes from direct companies, and also from local exclusive and independent agents.

The following items are a review of the ideas that were touched on above.

• 16 to 18-year-old drivers are charged the highest prices, possibly costing $318 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations may pay on average $1,080 more each year than a driver with a clean driving record
• Increasing policy deductibles could save as much as $225 each year
• You may be able to save as much as $100 per year simply by shopping early and online