Mazda RX-8 Insurance Rates

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

Average premium for full coverage: $942

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area, rather than relying on average rates.

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

Additional Rate Analysis

The chart below details estimated Mazda RX-8 insurance rates for other coverage scenarios.

• The best discount rate is $578
• Choosing higher $1,000 deductibles can save approximately $864 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $942
• Using low $100 deductibles for comp and collision coverage will cost an additional $148 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,020 or more
• Policy cost that insures a teen driver can cost as much as $3,814 each year

View Chart as Image

Auto insurance rates for a Mazda RX-8 also range considerably based on the trim level of your RX-8, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,100 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 annually 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 at least $3,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda RX-8 insurance rates. A good driver about age 40 could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,280 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $230 each year, while buying higher liability limits will increase premiums. Moving 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 find out which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, 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 Cheaper Mazda RX-8 Insurance

Finding cheaper rates on Mazda RX-8 insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every time your policy renews by getting quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a condensed summary of the information presented in the illustrations above.

• You may be able to save approximately $100 per year simply by quoting early and online
• Youthful drivers are the costliest to insure, as much as $318 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,080 more annually than a low-risk driver
• Drivers who want more liability protection will pay an extra $490 every year to raise limits from a 30/60 limit to the 250/500 level