Mazda RX-8 Insurance Rates

U.S. average insurance rates for a Mazda RX-8 are $962 a year with full coverage. Comprehensive costs an estimated $160, collision costs $198, and liability insurance costs around $446. A policy with just liability insurance costs as low as $500 a year, with coverage 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 broken down by individual coverage:

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different RX-8 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on averaged prices.

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

Rate Comparisons

The chart below details estimated Mazda RX-8 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $590
• Using higher $1,000 deductibles will save approximately $82 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $962
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,118
• Drivers with serious driving violations could pay up to $2,066 or more
• The price that insures a teen driver with full coverage can cost as much as $3,882 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can be anywhere from 41% to 127% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,800 a year. View Rates by Age

The state you live in has a huge impact on Mazda RX-8 insurance rates. A driver around age 40 might see prices as low as $690 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $240 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $402 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company calculates prices differently, so the prices may be quite 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 the Right Mazda RX-8 Insurance

Getting lower rates on Mazda RX-8 insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every time your policy renews by getting quotes from direct companies, and also from insurance agencies where you live.

The items below are a quick rundown of the information touched on in this article.

• You may be able to save approximately $110 per year simply by shopping early and online
• Teen drivers are charged the highest prices, costing up to $324 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $250 each year
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,100 more annually to insure their RX-8
• Drivers who want more liability coverage will pay approximately $490 every year to increase from a low limit to the 250/500 level