Mazda RX-8 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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U.S. average auto insurance rates for a Mazda RX-8 are $962 annually for full coverage. Comprehensive insurance costs approximately $160, collision insurance costs $198, and liability insurance costs $446. Liability-only insurance costs as little as $500 a year, and high-risk driver insurance costs $2,066 or more. Teenage drivers pay the highest rates at up to $3,882 a year.
Average premium for full coverage: $962
Price estimates by individual coverage:
Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different RX-8 trim levels.
Price Range from Low to High
For the average driver, Mazda RX-8 insurance prices range from as cheap as $500 for just the minimum liability insurance to a much higher rate of $2,066 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural locations have fewer accident claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.
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 shows average Mazda RX-8 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $590
- Drivers who choose higher $1,000 deductibles will pay $82 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $962
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $156 a year
- High risk drivers who are prone to accidents and violations could pay around $2,066
- The price with full coverage for a teen driver with full coverage can cost $3,882 a year
Car insurance prices for a Mazda RX-8 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $3,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $240 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $402 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Mazda RX-8 insurance rates. A 40-year-old driver could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,380 on average in New York, Louisiana, and Michigan.
| 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% |
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 Buy the Best Mazda RX-8 Insurance
Getting lower rates on Mazda RX-8 insurance not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a brief recap of the ideas that were touched on above.
- Drivers age 20 and younger pay the highest auto insurance prices, with premiums as much as $324 a month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations pay on average $1,100 more per year to buy Mazda RX-8 insurance
- Increasing physical damage deductibles could save up to $250 each year
- Drivers can save around $110 per year just by shopping early and online
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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