Mazda RX-8 Insurance Rates

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

Average premium for full coverage: $942

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all RX-8 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below illustrates estimated Mazda RX-8 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $578
• Drivers who choose higher $1,000 deductibles will pay $78 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $942
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,090
• High-risk insureds who are prone to accidents and violations could pay around $2,020 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost $3,814 a year

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Car insurance prices for a Mazda RX-8 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your RX-8.

Using high physical damage deductibles could save up to $230 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 extra annually, depending on your age. Mazda RX-8 insurance for high-risk drivers can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Mazda RX-8 insurance rates. A 40-year-old driver could pay as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,280 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes 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 Affordable Mazda RX-8 Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Set aside time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The next list is a brief review of the information covered above.

• It is possible to save around $100 per year simply by quoting online well ahead of the renewal date
• Drivers age 20 and younger pay the highest auto insurance prices, with premiums being up to $318 per month if the policy includes full coverage
• Increasing policy deductibles could save as much as $225 each year
• Drivers with DUI or reckless driving convictions may have to pay on average $1,080 more per year to buy Mazda RX-8 insurance
• Consumers who purchase increased levels of liability coverage will pay an extra $490 annually to go from 30/60 bodily injury limits to a 250/500 level