Mazda RX-8 Insurance Rates

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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:

Comprehensive $160
Collision $198
Liability $446

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.

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

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.

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

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

View Chart as Image

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

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.

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

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

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 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

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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