Mazda RX-8 Insurance Rates

Average insurance rates for a Mazda RX-8 are $942 a year including full coverage. Comprehensive insurance costs around $154, collision costs $188, and liability insurance costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $2,020 or more. Teenage drivers receive the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different RX-8 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $578
• Using higher $1,000 deductibles will save about $78 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $942
• Using more expensive low deductibles for physical damage coverage will cost an additional $148 a year
• Drivers who are prone to accidents and violations could pay at least $2,020 or more
• The cost that insures a teen driver with full coverage can be $3,814 or more

View Chart as Image

Car insurance rates for a Mazda RX-8 can also vary considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance can be anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $3,800 a year. View Rates by Age

Where you live has a huge impact on Mazda RX-8 insurance rates. A driver around age 40 might see rates as low as $730 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,350 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $230 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly 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 Find More Affordable Mazda RX-8 Insurance

Saving money on Mazda RX-8 insurance requires avoiding accidents and violations, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a summary of the material that was covered in the charts and tables above.

• Drivers who may need higher liability limits will pay an extra $490 per year to increase from a minimum limit to the 250/500 level
• Teenagers are the costliest to insure, as much as $318 per month if full coverage is purchased
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,080 more every year for car insurance
• Increasing deductibles can save approximately $225 each year