Mazda RX-8 Insurance Rates

U.S. average insurance prices for a Mazda RX-8 are $942 every 12 months including full coverage. Comprehensive insurance costs approximately $154, collision costs $188, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $2,020 or more. Teenage drivers pay the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Price estimates by individual coverage:

Includes $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different RX-8 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $578
• Drivers who choose higher $1,000 deductibles will pay $78 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $942
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $148 annually
• Drivers who are prone to accidents and violations could pay around $2,020 or more
• The price to insure a 16-year-old driver with full coverage can cost $3,814 a year

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Insurance prices for a Mazda RX-8 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your RX-8.

Using high physical damage deductibles could save up to $230 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Mazda RX-8 insurance prices. A 40-year-old driver could pay as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,350 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Every company uses a different method to calculate prices, 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 Shop for the Cheapest Mazda RX-8 Insurance

Getting lower rates on insurance for a Mazda RX-8 not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and maximizing policy discounts. Spend time shopping around at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a recap of the primary concepts that were touched on above.

• You may be able to save around $100 per year simply by shopping early and online
• Drivers considered higher risk that have major violations or accidents could be charged and average of $1,080 more per year for RX-8 insurance
• Increasing physical damage deductibles could save as much as $225 each year
• Teens are expensive to insure, possibly costing $318 a month if they have full coverage