Mazda RX-8 Insurance Rates

U.S. average auto insurance rates for a Mazda RX-8 are $962 annually with full coverage. Comprehensive costs around $160, collision costs $198, and liability insurance costs $446. Buying just liability costs as little as $500 a year, with insurance for high-risk drivers costing around $2,066. Teens pay the highest rates at $3,882 a year or more.

Average premium for full coverage: $962

Price estimates for individual coverage:

Rates are based on $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all RX-8 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance rates.

The ranges above demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $590
• Drivers who choose higher $1,000 deductibles will pay about $82 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $962
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,118
• High risk drivers with serious driving violations could pay at least $2,066 or more
• The price with full coverage for a teen driver for full coverage can be $3,882 a year

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

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,100 to $1,600 additional each year, depending on your age. Mazda RX-8 insurance for high-risk drivers can cost anywhere from 41% to 127% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $240 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $402 more each year. View Rates by Deductible or Liability Limit

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

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Since prices can be so different, the best way to find out your exact price is to regularly compare prices from as many companies as possible. Every company calculates prices differently, and prices may be quite different between companies.

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 Buy the Best Cheap Mazda RX-8 Insurance

Getting lower rates on Mazda RX-8 insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a quick review of the data covered in the above illustrations.

• Drivers who may need higher liability limits will pay approximately $490 every year to go from a low limit to higher 250/500 limits
• You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $250 each year
• Teens are charged the highest prices, costing up to $324 a month if they have full coverage