Mazda RX-8 Insurance Rates

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

Average premium for full coverage: $942

Policy rates by type of insurance:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $578
• Drivers who choose higher $1,000 deductibles will pay around $78 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $942
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,090
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,020 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $3,814 a year

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $230 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state 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 Vermont, Wisconsin, and North Carolina, or as much as $1,280 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different rate calculation, so the rates will be varied 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 Low Cost Mazda RX-8 Insurance

Finding cheaper rates on Mazda RX-8 insurance not only requires avoiding accidents and claims, but also having a good credit history, being claim-free, and bundling your home and auto policies. Take the time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a review of the car insurance concepts covered in the above illustrations.

• High-risk drivers who have several accidents or serious violations may pay on average $1,080 more each year to insure a Mazda RX-8
• It is possible to save as much as $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Drivers who require increased liability limits will pay about $490 annually to go from a 30/60 limit to higher 250/500 limits