Mazda RX-8 Insurance Rates

The average insurance rates for a Mazda RX-8 are $942 a year for full coverage. Comprehensive costs an estimated $154, collision insurance costs $188, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs around $2,020. Teens cost the most to insure at up to $3,814 a year.

Average premium for full coverage: $942

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below shows average Mazda RX-8 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $578
• Choosing higher $1,000 deductibles can save approximately $78 a year
• The average rate for a good driver age 40 who has $500 deductibles is $942
• Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,090
• Higher-risk drivers with serious driving violations could pay up to $2,020
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $3,814 each year

View Chart as Image

Car insurance rates for a Mazda RX-8 also range considerably based on your risk profile, the trim level of your RX-8, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $3,800 a year. View Rates by Age

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 $620 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,350 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $230 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance ranges from 42% to 130% more than the average policy. View High Risk Driver Rates

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 Best Mazda RX-8 Insurance

Finding cheaper rates on insurance for a Mazda RX-8 takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to compare rates every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a brief recap of the information covered above.

• Drivers can save approximately $100 per year just by shopping early and online
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $318 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $225 each year
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,080 more annually than a safer driver
• Insureds who want an increased level of liability coverage will pay approximately $490 each year to raise limits from a 30/60 limit to 250/500 limits