Mazda RX-8 Insurance Rates

The average insurance rates for a Mazda RX-8 are $942 a year including full coverage. Comprehensive costs approximately $154 each year, collision costs $188, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $2,020. Teens cost the most to insure at $3,814 a year or more.

Average premium for full coverage: $942

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and RX-8 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $578
• Raising to $1,000 deductibles will save $78 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $942
• Selecting low deductibles bumps up the cost to $1,090
• Drivers with serious driving violations could pay around $2,020 or more
• Policy cost that insures a 16-year-old driver can cost $3,814

View Chart as Image

Auto insurance rates for a Mazda RX-8 also range considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $3,800 a year. View Rates by Age

Your home state also has a big influence on Mazda RX-8 insurance prices. A middle-age driver might find rates as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,350 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $230 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and quoted rates will be varied.

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 the Right Mazda RX-8 Insurance

Finding cheaper rates on insurance for a Mazda RX-8 consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Compare rates at every policy renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a quick rundown of the data touched on above.

• Insureds who purchase more liability coverage will pay approximately $490 per year to raise from a 30/60 limit to the 250/500 level
• You may be able to save around $100 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Teen drivers have the highest car insurance rates, with premiums being up to $318 each month if the policy includes full coverage