Mazda RX-8 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 3, 2024
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The average insurance rates for a Mazda RX-8 are $962 a year with full coverage. Comprehensive costs around $160, collision insurance costs $198, and liability is estimated at $446. Liability-only coverage costs approximately $500 a year, and high-risk coverage costs around $2,066. Teens cost the most to insure at up to $3,882 a year.
Average premium for full coverage: $962
Policy rates for type of insurance:
Estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all RX-8 models.
Price Range Variability
Using a middle-aged driver as an example, Mazda RX-8 insurance rates range from as low as $500 for just liability insurance to the much higher price of $2,066 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.
The examples above demonstrate why everyone should get quotes for a specific zip code and risk profile, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details average Mazda RX-8 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $590
- Choosing higher $1,000 deductibles can save about $82 annually
- The average rate for a good driver age 40 using $500 deductibles is $962
- Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,118
- Unlucky drivers with serious driving violations could pay at least $2,066
- Policy cost for full coverage for a teen driver for full coverage can be $3,882 each year
Insurance rates for a Mazda RX-8 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $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 $690 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,300 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $874 | -$88 | -9.1% |
| Alaska | $740 | -$222 | -23.1% |
| Arizona | $800 | -$162 | -16.8% |
| Arkansas | $962 | -$0 | 0.0% |
| California | $1,098 | $136 | 14.1% |
| Colorado | $922 | -$40 | -4.2% |
| Connecticut | $992 | $30 | 3.1% |
| Delaware | $1,092 | $130 | 13.5% |
| Florida | $1,206 | $244 | 25.4% |
| Georgia | $890 | -$72 | -7.5% |
| Hawaii | $692 | -$270 | -28.1% |
| Idaho | $650 | -$312 | -32.4% |
| Illinois | $718 | -$244 | -25.4% |
| Indiana | $724 | -$238 | -24.7% |
| Iowa | $650 | -$312 | -32.4% |
| Kansas | $916 | -$46 | -4.8% |
| Kentucky | $1,314 | $352 | 36.6% |
| Louisiana | $1,428 | $466 | 48.4% |
| Maine | $594 | -$368 | -38.3% |
| Maryland | $794 | -$168 | -17.5% |
| Massachusetts | $772 | -$190 | -19.8% |
| Michigan | $1,674 | $712 | 74.0% |
| Minnesota | $806 | -$156 | -16.2% |
| Mississippi | $1,156 | $194 | 20.2% |
| Missouri | $854 | -$108 | -11.2% |
| Montana | $1,036 | $74 | 7.7% |
| Nebraska | $760 | -$202 | -21.0% |
| Nevada | $1,156 | $194 | 20.2% |
| New Hampshire | $694 | -$268 | -27.9% |
| New Jersey | $1,080 | $118 | 12.3% |
| New Mexico | $854 | -$108 | -11.2% |
| New York | $1,014 | $52 | 5.4% |
| North Carolina | $556 | -$406 | -42.2% |
| North Dakota | $790 | -$172 | -17.9% |
| Ohio | $664 | -$298 | -31.0% |
| Oklahoma | $990 | $28 | 2.9% |
| Oregon | $884 | -$78 | -8.1% |
| Pennsylvania | $922 | -$40 | -4.2% |
| Rhode Island | $1,286 | $324 | 33.7% |
| South Carolina | $874 | -$88 | -9.1% |
| South Dakota | $814 | -$148 | -15.4% |
| Tennessee | $844 | -$118 | -12.3% |
| Texas | $1,162 | $200 | 20.8% |
| Utah | $712 | -$250 | -26.0% |
| Vermont | $662 | -$300 | -31.2% |
| Virginia | $576 | -$386 | -40.1% |
| Washington | $746 | -$216 | -22.5% |
| West Virginia | $884 | -$78 | -8.1% |
| Wisconsin | $670 | -$292 | -30.4% |
| Wyoming | $858 | -$104 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $240 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $402 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,100 to $1,600 additional every year, depending on your age. Mazda RX-8 insurance for high-risk drivers ranges as much as 41% to 127% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $948 | $79 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $962 | $80 |
| Mazda RX-8 R3 4-Dr Coupe | $962 | $80 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mazda RX-8 | $186 | $250 | $474 | $1,068 |
| 2006 Mazda RX-8 | $160 | $198 | $446 | $962 |
Rates are averaged for all Mazda RX-8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Mazda RX-8 Insurance
Finding cheaper rates on car insurance takes having a good driving record, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The next list is a review of the coverage data touched on in the above illustrations.
- You may be able to save up to $110 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $250 each year
- Drivers age 20 and younger are charged the highest rates, as much as $324 each month including comprehensive and collision insurance
- Higher risk drivers who have several accidents or serious violations pay an average of $1,100 more every year to buy Mazda RX-8 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,882 |
| 20 | $2,198 |
| 30 | $980 |
| 40 | $962 |
| 50 | $886 |
| 60 | $866 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,118 |
| $250 | $1,048 |
| $500 | $962 |
| $1,000 | $880 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $962 |
| 50/100 | $1,051 |
| 100/300 | $1,163 |
| 250/500 | $1,453 |
| 100 CSL | $1,096 |
| 300 CSL | $1,341 |
| 500 CSL | $1,520 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,458 |
| 20 | $3,496 |
| 30 | $2,082 |
| 40 | $2,066 |
| 50 | $1,976 |
| 60 | $1,956 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $48 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $372 |
Discounts are estimated and may not be available from every company or in every state.
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