Mazda RX-8 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 3, 2024
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The average insurance prices for a Mazda RX-8 are $942 every 12 months with full coverage. Comprehensive costs around $154 a year, collision costs $188, and liability costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,020. 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 are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and RX-8 trim levels.
Price Range Variability
For the average driver, Mazda RX-8 insurance rates go from the cheapest price of $496 for basic liability insurance to a high of $2,020 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities.
The diagram below illustrates how location impacts auto insurance rates.
The examples above demonstrate why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below details estimated Mazda RX-8 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $578
- Drivers who choose higher $1,000 deductibles will pay about $864 annually
- The average price for a good driver age 40 using $500 deductibles is $942
- Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,090
- Drivers with multiple tickets or accidents could pay at least $2,020 or more
- Policy cost to insure a 16-year-old driver can be $3,814 a year
Car insurance rates for a Mazda RX-8 also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could save up to $230 annually, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $3,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 130% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Mazda RX-8 insurance prices. A 40-year-old driver could pay as low as $680 a year in states like New Hampshire, Ohio, and Utah, or at least $1,280 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out your exact price is to get quotes from multiple companies. Every company utilizes a different rate formula, so rate quotes 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 Shop for Affordable Mazda RX-8 Insurance
Finding cheaper rates on insurance for a Mazda RX-8 not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every couple of years by getting quotes from direct companies, and also from several local insurance agents.
The following items are a brief review of the material that was touched on above.
- Insureds who may need additional liability coverage will pay around $490 every year to go from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers are the costliest to insure, as much as $318 each month if the policy includes full coverage
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,080 more every year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save as much as $225 each year
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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