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, collision costs $188, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $2,020 or more. 16-year-old 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:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $578
• Choosing higher $1,000 deductibles can save $78 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $942
• Buying more expensive low deductibles for comp and collision coverage costs an additional $148 every year
• Unlucky drivers with multiple tickets or accidents could pay around $2,020 or more
• Policy cost with full coverage for a teen driver with full coverage can cost $3,814 each year

View Chart as Image

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.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $900 annually 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 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 extra every year, depending on your age. High-risk driver insurance ranges as much as 42% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $230 every year, while increasing your policy's 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 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Mazda RX-8 insurance prices. A good driver about age 40 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

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, 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 Cheap Mazda RX-8 Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a brief summary of the concepts that were covered above.

• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,080 more per year than a low-risk driver
• Youthful drivers are expensive to insure, with premiums being up to $318 each month including comprehensive and collision insurance
• You may be able to save around $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $225 each year
• You may be able to save around $100 per year simply by shopping early and online