Mazda RX-8 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 3, 2023

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U.S. average insurance rates for a Mazda RX-8 are $994 a year with full coverage. Comprehensive costs around $176 each year, collision insurance costs $208, and liability costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $2,124. 16-year-old drivers pay the highest rates at up to $3,964 a year.

Average premium for full coverage: $994

Price estimates for individual coverage:

Comprehensive $176
Collision $208
Liability $452

These estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and RX-8 models.

Price Range from Low to High

For a driver in their 40's, Mazda RX-8 insurance prices range from the low end price of $504 for minimum levels of liability insurance to a high rate of $2,124 for high-risk insurance.

Liability Only $504
Full Coverage $994
High Risk $2,124

Geographic Price Range

Your location can make a big difference on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities. The graphic below illustrates how location helps determine auto insurance rates.

Rural Areas $746
Small Cities $1,044
Large Cities $1,342

The ranges above demonstrate why all drivers should compare rates for a specific zip code, 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.

Additional Rate Details

The chart below details average Mazda RX-8 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $609
  • Drivers who choose higher $1,000 deductibles will pay about $88 annually
  • The estimated price for the average middle-age driver using $500 deductibles is $994
  • Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,158
  • Drivers with multiple tickets or accidents could pay at least $2,124
  • The price that insures a 16-year-old driver can be $3,964 a year

View Chart as Image

Mazda RX-8 insurance cost comparison chart
Column chart showing Mazda RX-8 insurance rates range from $609 to $3,964 for full coverage

Insurance prices for a Mazda RX-8 are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,200 to $1,700 additional each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $3,900 a year. View Rates by Age

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 $720 a year in states like New Hampshire, Ohio, and Utah, or at least $1,340 on average in Florida, Michigan, and New York.

Mazda RX-8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $898 -$96 -9.7%
Alaska $762 -$232 -23.3%
Arizona $826 -$168 -16.9%
Arkansas $994 -$0 0.0%
California $1,132 $138 13.9%
Colorado $950 -$44 -4.4%
Connecticut $1,022 $28 2.8%
Delaware $1,124 $130 13.1%
Florida $1,242 $248 24.9%
Georgia $916 -$78 -7.8%
Hawaii $714 -$280 -28.2%
Idaho $672 -$322 -32.4%
Illinois $740 -$254 -25.6%
Indiana $748 -$246 -24.7%
Iowa $668 -$326 -32.8%
Kansas $944 -$50 -5.0%
Kentucky $1,354 $360 36.2%
Louisiana $1,470 $476 47.9%
Maine $612 -$382 -38.4%
Maryland $818 -$176 -17.7%
Massachusetts $794 -$200 -20.1%
Michigan $1,726 $732 73.6%
Minnesota $830 -$164 -16.5%
Mississippi $1,190 $196 19.7%
Missouri $882 -$112 -11.3%
Montana $1,066 $72 7.2%
Nebraska $784 -$210 -21.1%
Nevada $1,192 $198 19.9%
New Hampshire $716 -$278 -28.0%
New Jersey $1,112 $118 11.9%
New Mexico $880 -$114 -11.5%
New York $1,046 $52 5.2%
North Carolina $572 -$422 -42.5%
North Dakota $814 -$180 -18.1%
Ohio $686 -$308 -31.0%
Oklahoma $1,020 $26 2.6%
Oregon $910 -$84 -8.5%
Pennsylvania $946 -$48 -4.8%
Rhode Island $1,326 $332 33.4%
South Carolina $898 -$96 -9.7%
South Dakota $838 -$156 -15.7%
Tennessee $870 -$124 -12.5%
Texas $1,198 $204 20.5%
Utah $736 -$258 -26.0%
Vermont $680 -$314 -31.6%
Virginia $594 -$400 -40.2%
Washington $770 -$224 -22.5%
West Virginia $910 -$84 -8.5%
Wisconsin $688 -$306 -30.8%
Wyoming $886 -$108 -10.9%

View Chart as Image

Mazda RX-8 insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $260 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Mazda RX-8 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda RX-8 Sport 4-Dr Coupe $976 $81
Mazda RX-8 Grand Touring 4-Dr Coupe $994 $83
Mazda RX-8 R3 4-Dr Coupe $994 $83

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.

Mazda RX-8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2006 Mazda RX-8 $176 $208 $452 $994
2004 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 Find Cheap Mazda RX-8 Insurance

Getting lower rates on insurance for a Mazda RX-8 not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every couple of years by requesting rates from direct companies, and also from your local independent and exclusive agents.

Below is a brief summary of the material that was covered in the charts and tables above.

  • Insureds who may need higher levels of liability will pay around $500 every year to go from a low limit to the 250/500 level
  • Teenage drivers are charged the highest prices, costing up to $330 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,130 more every year for auto insurance
  • Increasing physical damage deductibles can save approximately $250 each year

Rates by Driver Age

Mazda RX-8 Insurance Rates by Driver Age
Driver Age Premium
16 $3,964
20 $2,258
30 $1,010
40 $994
50 $910
60 $890

Full coverage, $500 deductibles

Rates by Deductible

Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,158
$250 $1,084
$500 $994
$1,000 $906

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $994
50/100 $1,084
100/300 $1,197
250/500 $1,491
100 CSL $1,130
300 CSL $1,378
500 CSL $1,559

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda RX-8 Insurance Rates for High Risk Drivers
Age Premium
16 $5,578
20 $3,590
30 $2,144
40 $2,124
50 $2,030
60 $2,010

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.

SR-22 Surcharge $130

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $59
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $385
Rate after discounts $609

Discounts are estimated and may not be available from every company or in every state.

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