Mazda RX-8 Insurance Rates

Estimated insurance rates for a Mazda RX-8 are $962 a year with full coverage. Comprehensive insurance costs around $160 a year, collision costs $198, and liability costs $446. Liability-only coverage costs as little as $500 a year, with high-risk coverage costing $2,066 or more. Teen drivers pay the most at $3,882 a year or more.

Average premium for full coverage: $962

Premium estimates for type of coverage:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and RX-8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why it is important to compare rates for a specific zip code, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $590
• Drivers who choose higher $1,000 deductibles will pay about $880 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $962
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $156 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,066 or more
• An auto insurance policy that insures a 16-year-old driver can be $3,882 a year

View Chart as Image

Insurance prices for a Mazda RX-8 also have a wide range based on the trim level of your RX-8, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can cost from 41% to 127% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $3,800 a year. View Rates by Age

Where you choose to live makes a big difference in Mazda RX-8 insurance prices. A 40-year-old driver could pay as low as $690 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,300 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $240 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $402 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to get quotes from multiple companies. Every company uses a different rate calculation, so the prices will be substantially 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 Find Cheap Mazda RX-8 Insurance

Finding better rates on insurance for a Mazda RX-8 not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and insuring your home and auto with the same company. Shop around every time your policy renews by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

Below is a brief summary of the information touched on above.

• You may be able to save up to $110 per year simply by quoting early and online
• Teenage drivers pay higher prices, possibly costing $324 per month if full coverage is included
• Increasing policy deductibles can save approximately $250 each year
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,100 more every year for auto insurance
• Insureds who may need higher levels of liability will pay about $490 every year to go from 30/60 bodily injury limits to the 250/500 level