Mazda RX-8 Insurance Rates

The average auto insurance rates for a Mazda RX-8 are $942 annually including full coverage. Comprehensive insurance costs approximately $154 each year, collision insurance costs $188, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs $2,020 or more. 16-year-old drivers cost the most to insure at up to $3,814 a year.

Average premium for full coverage: $942

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and RX-8 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why all drivers should compare rates using their specific location and their own personal driving habits, rather than using rate averages.

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

Additional Rate Information

The chart below breaks down average Mazda RX-8 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $578
• Drivers who choose higher $1,000 deductibles will pay $78 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $942
• Buying low deductibles for comprehensive and collision insurance costs an additional $148 each year
• High-risk insureds with multiple tickets or accidents could pay around $2,020
• Policy cost with full coverage for a teenage driver can cost $3,814 a year

View Chart as Image

Auto insurance rates for a Mazda RX-8 also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $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 will have to pay in the ballpark 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 likely paying anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $230 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 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 $730 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,350 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 More Affordable Mazda RX-8 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a summary of the information covered in the above illustrations.

• You may be able to save around $100 per year just by quoting online in advance
• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $318 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Drivers who have multiple accidents or major violations may have to pay on average $1,080 more per year to insure a Mazda RX-8
• Consumers who purchase increased liability limits will pay around $490 per year to go from a 30/60 limit to higher 250/500 limits