Mazda RX-8 Insurance Rates

Average auto insurance rates for a Mazda RX-8 are $942 annually with full coverage. Comprehensive costs an estimated $154 a year, collision costs $188, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $2,020. Teens receive the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Rate estimates broken down by individual coverage type:

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and RX-8 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine insurance prices.

These examples demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $578
• Drivers who choose higher $1,000 deductibles will pay approximately $864 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $942
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,090
• Higher-risk drivers with serious driving violations could pay up to $2,020 or more
• The cost with full coverage for a teen driver can cost as much as $3,814 a year

View Chart as Image

Auto insurance rates for a Mazda RX-8 can also vary considerably based on the trim level of your RX-8, your driving record, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,100 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $230 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Mazda RX-8 insurance prices. A 40-year-old driver could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,280 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to get quotes and see which company has the best rate. Every company calculates rates differently, and quoted rates can be significantly different 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 the Right Mazda RX-8 Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a quick rundown of the material that was covered in the charts and tables above.

• Policyholders who want more liability protection will pay approximately $490 every year to go from a minimum limit to higher 250/500 limits
• Youthful drivers are the costliest to insure, with premiums as much as $318 per month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,080 more annually than a low-risk driver
• Increasing deductibles could save up to $225 each year