Mazda RX-8 Insurance Rates

U.S. average insurance rates for a Mazda RX-8 are $942 a year for full coverage. Comprehensive insurance costs approximately $154 a year, collision costs $188, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing $2,020 or more. Teen drivers pay the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and RX-8 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The ranges above show why it is important to get quotes using their specific location, instead of using price averages.

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

More Rate Information

The chart below shows estimated Mazda RX-8 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $578
• Choosing higher $1,000 deductibles can save $864 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $942
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $148 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,020 or more
• The price that insures a teen driver can cost $3,814 each year

View Chart as Image

Insurance prices for a Mazda RX-8 are also quite variable based on the trim level of your RX-8, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 130% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mazda RX-8 insurance prices. A good driver about age 40 could pay as low as $620 a year in states like Iowa, Maine, and Idaho, or as much as $1,350 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $230 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices may be quite 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 Find Affordable Mazda RX-8 Insurance

Getting lower rates on car insurance takes having a good driving record, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Shop around every couple of years by requesting rates from direct carriers, and also from insurance agencies where you live.

The next list is a brief review of the material that was raised in the charts and tables above.

• Policyholders who purchase increased levels of liability coverage will pay about $490 each year to raise limits from a low limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, with premiums as much as $318 a month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,080 more per year to buy Mazda RX-8 insurance
• Increasing physical damage deductibles can save approximately $225 each year