Mazda RX-8 Insurance Rates
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UPDATED: Jun 3, 2023
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Average insurance rates for a Mazda RX-8 are $994 a year for full coverage. Comprehensive costs around $176 a year, collision insurance costs $208, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs around $2,124. Teens receive the highest rates at up to $3,964 a year.
Average premium for full coverage: $994
Rate estimates for individual coverage type:
These estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and RX-8 trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $504 for just liability coverage to a high of $2,124 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.
These examples show why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below shows average Mazda RX-8 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $609
- Drivers who choose higher $1,000 deductibles will pay about $906 a year
- The average rate for a 40-year-old driver using $500 deductibles is $994
- Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,158
- Drivers with serious driving violations could pay at least $2,124
- The cost for full coverage for a 16-year-old driver can be $3,964 a year
Car insurance rates for a Mazda RX-8 can also vary considerably based on your driver profile, the trim level of your RX-8, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $3,900 a year. View Rates by Age
Where you live makes a big difference in Mazda RX-8 insurance prices. A 40-year-old driver could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,420 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $898 | -$96 | -9.7% |
| Alaska | $762 | -$232 | -23.3% |
| Arizona | $826 | -$168 | -16.9% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,132 | $138 | 13.9% |
| Colorado | $950 | -$44 | -4.4% |
| Connecticut | $1,022 | $28 | 2.8% |
| Delaware | $1,124 | $130 | 13.1% |
| Florida | $1,242 | $248 | 24.9% |
| Georgia | $916 | -$78 | -7.8% |
| Hawaii | $714 | -$280 | -28.2% |
| Idaho | $672 | -$322 | -32.4% |
| Illinois | $740 | -$254 | -25.6% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $944 | -$50 | -5.0% |
| Kentucky | $1,354 | $360 | 36.2% |
| Louisiana | $1,470 | $476 | 47.9% |
| Maine | $612 | -$382 | -38.4% |
| Maryland | $818 | -$176 | -17.7% |
| Massachusetts | $794 | -$200 | -20.1% |
| Michigan | $1,726 | $732 | 73.6% |
| Minnesota | $830 | -$164 | -16.5% |
| Mississippi | $1,190 | $196 | 19.7% |
| Missouri | $882 | -$112 | -11.3% |
| Montana | $1,066 | $72 | 7.2% |
| Nebraska | $784 | -$210 | -21.1% |
| Nevada | $1,192 | $198 | 19.9% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,112 | $118 | 11.9% |
| New Mexico | $880 | -$114 | -11.5% |
| New York | $1,046 | $52 | 5.2% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $686 | -$308 | -31.0% |
| Oklahoma | $1,020 | $26 | 2.6% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $946 | -$48 | -4.8% |
| Rhode Island | $1,326 | $332 | 33.4% |
| South Carolina | $898 | -$96 | -9.7% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $870 | -$124 | -12.5% |
| Texas | $1,198 | $204 | 20.5% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $680 | -$314 | -31.6% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $770 | -$224 | -22.5% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $886 | -$108 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $260 annually, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,200 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 135% 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 | $976 | $81 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $994 | $83 |
| Mazda RX-8 R3 4-Dr Coupe | $994 | $83 |
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 |
|---|---|---|---|---|
| 2006 Mazda RX-8 | $176 | $208 | $452 | $994 |
| 2004 Mazda RX-8 | $154 | $188 | $442 | $942 |
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 Cheap Mazda RX-8 Insurance
Saving money on insurance for a Mazda RX-8 not only requires having a good driving record, but also having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Invest time comparing rates at least every other year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The next list is a brief summary of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,130 more every year to buy Mazda RX-8 insurance
- Drivers can save up to $110 per year just by quoting early and online
- Increasing deductibles can save around $250 each year
- Insureds who may need increased levels of liability coverage will pay approximately $500 each year to go from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,964 |
| 20 | $2,258 |
| 30 | $1,010 |
| 40 | $994 |
| 50 | $910 |
| 60 | $890 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,158 |
| $250 | $1,084 |
| $500 | $994 |
| $1,000 | $906 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,084 |
| 100/300 | $1,197 |
| 250/500 | $1,491 |
| 100 CSL | $1,130 |
| 300 CSL | $1,378 |
| 500 CSL | $1,559 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,578 |
| 20 | $3,590 |
| 30 | $2,144 |
| 40 | $2,124 |
| 50 | $2,030 |
| 60 | $2,010 |
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 | $50 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $43 |
| Online Quote | $67 |
| Total Discounts | $385 |
Discounts are estimated and may not be available from every company or in every state.
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