Mazda RX-8 Insurance Rates

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UPDATED: Apr 3, 2024

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Average insurance prices for a Mazda RX-8 are $962 every 12 months including full coverage. Comprehensive insurance costs an estimated $160 each year, collision insurance costs $198, and liability insurance is estimated at $446. A policy with just liability insurance costs approximately $500 a year, and coverage for high-risk drivers costs $2,066 or more. 16-year-old drivers receive the highest rates at up to $3,882 a year.

Average premium for full coverage: $962

Rate estimates broken down by individual coverage type:

Comprehensive $160
Collision $198
Liability $446

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and RX-8 models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the cheapest price of $500 for just the minimum liability insurance to a high rate of $2,066 for a policy for a high-risk driver.

Liability Only $500
Full Coverage $962
High Risk $2,066

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how location helps determine insurance prices.

Rural Areas $722
Small Cities $1,010
Large Cities $1,299

These examples highlight why all drivers should get quotes for a targeted area and their own driving history, rather than relying on rate averages.

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.

Additional Rate Analysis

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

  • The best full coverage rate is $590
  • Choosing higher $1,000 deductibles can save approximately $82 every year
  • The average price for a 40-year-old driver who has $500 deductibles is $962
  • Buying low deductibles for comp and collision coverage costs an extra $156 a year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,066
  • The cost to insure a teen driver can cost as much as $3,882 each year

View Chart as Image

Mazda RX-8 insurance cost comparison chart
Column chart showing Mazda RX-8 insurance prices range from $590 to $3,882 for full coverage

Insurance rates for a Mazda RX-8 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $240 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $402 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $3,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,100 to $1,600 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 127% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Mazda RX-8 insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,380 on average in Louisiana, New York, and Michigan.

Mazda RX-8 Insurance Rates by State
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%

View Chart as Image

Mazda RX-8 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Mazda RX-8 Insurance Rates by Model and Trim Level
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.

Mazda RX-8 Insurance Rates by Model Year
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 Shop for Low Cost Mazda RX-8 Insurance

Saving money on Mazda RX-8 insurance takes having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a review of the coverage data covered in the charts and tables above.

  • You may be able to save approximately $110 per year just by quoting online in advance
  • Increasing deductibles could save as much as $250 each year
  • 16 to 18-year-old drivers are expensive to insure, as much as $324 per month if full coverage is included
  • High-risk drivers who have several accidents or serious violations may have to pay on average $1,100 more annually than a driver with a clean driving record

Rates by Driver Age

Mazda RX-8 Insurance 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

Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,048
$500 $962
$1,000 $880

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
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

Mazda RX-8 Insurance 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.

SR-22 Surcharge $127

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
Rate after discounts $590

Discounts are estimated and may not be available from every company or in every state.

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