Mazda RX-8 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 3, 2024
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The average insurance prices for a Mazda RX-8 are $942 every 12 months including full coverage. Comprehensive insurance costs around $154 a year, collision insurance costs $188, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $2,020 or more. Teen drivers cost the most to insure at up to $3,814 a year.
Average premium for full coverage: $942
Policy rates for type of insurance:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and RX-8 trim levels.
Price Range Variability
For a driver around age 40, Mazda RX-8 insurance rates range from the cheapest price of $496 for minimum levels of liability insurance to a high of $2,020 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above highlight why it is important to get quotes for a specific zip code and their own driving history, rather than relying on price 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 breaks down average Mazda RX-8 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $578
- Choosing higher $1,000 deductibles can save about $864 every year
- The average price for a good driver age 40 using $500 deductibles is $942
- Choosing low $100 deductibles for comp and collision coverage costs an extra $148 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,020
- Policy cost to insure a teen driver can be $3,814 each year
Insurance rates for a Mazda RX-8 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Choosing high deductibles can save as much as $230 each year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $3,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 130% more than average. View High Risk Driver Rates
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 $730 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,350 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $854 | -$88 | -9.3% |
| Alaska | $724 | -$218 | -23.1% |
| Arizona | $784 | -$158 | -16.8% |
| Arkansas | $942 | -$0 | 0.0% |
| California | $1,074 | $132 | 14.0% |
| Colorado | $902 | -$40 | -4.2% |
| Connecticut | $970 | $28 | 3.0% |
| Delaware | $1,066 | $124 | 13.2% |
| Florida | $1,182 | $240 | 25.5% |
| Georgia | $870 | -$72 | -7.6% |
| Hawaii | $680 | -$262 | -27.8% |
| Idaho | $638 | -$304 | -32.3% |
| Illinois | $704 | -$238 | -25.3% |
| Indiana | $710 | -$232 | -24.6% |
| Iowa | $636 | -$306 | -32.5% |
| Kansas | $896 | -$46 | -4.9% |
| Kentucky | $1,286 | $344 | 36.5% |
| Louisiana | $1,396 | $454 | 48.2% |
| Maine | $582 | -$360 | -38.2% |
| Maryland | $780 | -$162 | -17.2% |
| Massachusetts | $756 | -$186 | -19.7% |
| Michigan | $1,638 | $696 | 73.9% |
| Minnesota | $790 | -$152 | -16.1% |
| Mississippi | $1,132 | $190 | 20.2% |
| Missouri | $838 | -$104 | -11.0% |
| Montana | $1,014 | $72 | 7.6% |
| Nebraska | $744 | -$198 | -21.0% |
| Nevada | $1,132 | $190 | 20.2% |
| New Hampshire | $680 | -$262 | -27.8% |
| New Jersey | $1,054 | $112 | 11.9% |
| New Mexico | $834 | -$108 | -11.5% |
| New York | $994 | $52 | 5.5% |
| North Carolina | $544 | -$398 | -42.3% |
| North Dakota | $772 | -$170 | -18.0% |
| Ohio | $652 | -$290 | -30.8% |
| Oklahoma | $970 | $28 | 3.0% |
| Oregon | $864 | -$78 | -8.3% |
| Pennsylvania | $902 | -$40 | -4.2% |
| Rhode Island | $1,260 | $318 | 33.8% |
| South Carolina | $854 | -$88 | -9.3% |
| South Dakota | $796 | -$146 | -15.5% |
| Tennessee | $828 | -$114 | -12.1% |
| Texas | $1,136 | $194 | 20.6% |
| Utah | $700 | -$242 | -25.7% |
| Vermont | $646 | -$296 | -31.4% |
| Virginia | $564 | -$378 | -40.1% |
| Washington | $732 | -$210 | -22.3% |
| West Virginia | $864 | -$78 | -8.3% |
| Wisconsin | $654 | -$288 | -30.6% |
| Wyoming | $842 | -$100 | -10.6% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $930 | $78 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $942 | $79 |
| Mazda RX-8 R3 4-Dr Coupe | $942 | $79 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mazda RX-8 | $180 | $224 | $468 | $1,030 |
| 2006 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 Shop for More Affordable Mazda RX-8 Insurance
Finding cheaper rates on Mazda RX-8 insurance takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.
Below you'll find a summary of the car insurance concepts covered above.
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,080 more every year than a low-risk driver
- You may be able to save up to $100 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- Drivers who may need more liability protection will pay about $490 per year to raise limits from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,814 |
| 20 | $2,150 |
| 30 | $958 |
| 40 | $942 |
| 50 | $866 |
| 60 | $848 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,090 |
| $250 | $1,024 |
| $500 | $942 |
| $1,000 | $864 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $942 |
| 50/100 | $1,030 |
| 100/300 | $1,141 |
| 250/500 | $1,428 |
| 100 CSL | $1,075 |
| 300 CSL | $1,318 |
| 500 CSL | $1,495 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,356 |
| 20 | $3,422 |
| 30 | $2,036 |
| 40 | $2,020 |
| 50 | $1,932 |
| 60 | $1,912 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $47 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $56 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $33 |
| Advance Quote | $40 |
| Online Quote | $63 |
| Total Discounts | $364 |
Discounts are estimated and may not be available from every company or in every state.
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