Mazda RX-8 Insurance Rates

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

Average premium for full coverage: $942

Policy rates for type of insurance:

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all RX-8 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance rates.

The examples above show why everyone should compare rates quotes for a specific zip code and risk profile, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $578
• Raising to $1,000 deductibles will save about $78 a year
• The average rate for a good driver age 40 using $500 deductibles is $942
• Choosing pricier low deductibles will cost an extra $148 every year
• At-risk drivers with multiple violations and an at-fault accident could pay at least $2,020 or more
• Policy cost for full coverage for a teen driver for full coverage can be $3,814

View Chart as Image

Insurance rates for a Mazda RX-8 also range considerably based on your risk profile, the trim level of your RX-8, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $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 $620 a year in states like Idaho, Maine, and Iowa, or as much as $1,350 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $230 every year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,100 to $1,600 additional every year, depending on your age. Mazda RX-8 insurance for high-risk drivers is expensive and can cost as much as 42% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and rates will be varied from one company to the next.

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 Best Cheap Mazda RX-8 Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a quick review of the information raised in the charts and tables above.

• Drivers can save up to $100 per year simply by quoting online well ahead of the renewal date
• Teen drivers are charged the highest rates, costing up to $318 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $225 each year
• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,080 more every year to insure their RX-8
• Policyholders who may need more liability coverage will pay about $490 each year to raise from a 30/60 limit to 250/500 limits