Mazda RX-8 Insurance Rates

The average insurance rates for a Mazda RX-8 are $942 a year for full coverage insurance. Comprehensive costs approximately $154 a year, collision insurance costs $188, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers 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 by type of insurance:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location, instead of using averaged prices.

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

Additional Charts and Tables

The chart below illustrates average Mazda RX-8 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $578
• Using higher $1,000 deductibles will save $864 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $942
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,090
• Drivers with serious driving violations could pay around $2,020
• Policy cost that insures a teen driver can cost $3,814 or more

View Chart as Image

Insurance rates for a Mazda RX-8 also range considerably based on the trim level of your RX-8, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $3,800 a year. View Rates by Age

Your home state has a huge impact on Mazda RX-8 insurance prices. A driver around age 40 might see rates as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,280 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $230 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

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 Right Mazda RX-8 Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates at least once a year by requesting rates from direct insurance companies, and also from your local car insurance providers.

The following items are a quick rundown of the primary concepts that were covered above.

• It is possible to save around $100 per year just by quoting early and online
• Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,080 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $318 each month if full coverage is included