Mazda RX-8 Insurance Rates

Estimated insurance prices for a Mazda RX-8 are $942 every 12 months for full coverage. Comprehensive insurance costs on average $154, collision costs $188, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $2,020 or more. Teenage drivers pay the most at $3,814 a year or more.

Average premium for full coverage: $942

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different RX-8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below shows estimated Mazda RX-8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $578
• Raising to $1,000 deductibles will save around $78 a year
• The average price for a 40-year-old good driver with $500 deductibles is $942
• Using more expensive low deductibles costs an extra $148 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,020 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage may cost $3,814

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Insurance prices for a Mazda RX-8 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your RX-8.

Using high physical damage deductibles can reduce prices by up to $230 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,600 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Mazda RX-8 insurance prices. A middle-age driver might find prices as low as $620 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,350 on average in Michigan, Louisiana, and New York.

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With such a large range in prices, the only way to know exactly what you will pay is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and 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 Shop for More Affordable Mazda RX-8 Insurance

Finding better rates on insurance for a Mazda RX-8 consists of being safe and accident-free, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by requesting rates from direct carriers, and also from local independent and exclusive agents.

Below you'll find a summary of the information touched on in the above illustrations.

• Drivers can save as much as $100 per year simply by shopping early and online
• Youthful drivers pay higher prices, as much as $318 per month if full coverage is included
• Increasing policy deductibles could save as much as $225 each year
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,080 more each year than a low-risk driver
• Insureds who require more liability protection will pay an extra $490 each year to raise from 30/60 bodily injury limits to a 250/500 level