Mazda RX-8 Insurance Rates

Estimated auto insurance rates for a Mazda RX-8 are $942 annually with full coverage. Comprehensive costs approximately $154, collision insurance costs $188, and liability is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs around $2,020. Teenage drivers pay the most at up to $3,814 a year.

Average premium for full coverage: $942

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different RX-8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $578
• Raising to $1,000 deductibles will save $78 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $942
• Using more expensive low deductibles will cost $1,090
• Drivers who are prone to accidents and violations could pay around $2,020
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $3,814

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Insurance prices for a Mazda RX-8 also have a wide range based on the model of your RX-8, your driving record, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,100 to $1,600 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $230 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Mazda RX-8 insurance prices. A middle-age driver might find prices as low as $680 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,280 on average in New York, Michigan, and Florida.

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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 Buy the Best Cheap Mazda RX-8 Insurance

Finding better rates on insurance for a Mazda RX-8 consists of being safe and accident-free, having good credit, being claim-free, and consideration of higher deductibles. Take the time to compare rates every time your policy renews by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a quick review of the information covered in the above illustrations.

• You may be able to save around $100 per year just by shopping early and online
• Youthful drivers are the costliest to insure, possibly costing $318 per month if they have full coverage
• Increasing policy deductibles could save up to $225 each year
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,080 more per year than a low-risk driver
• Insureds who purchase more liability protection will pay an extra $490 every year to raise from 30/60 bodily injury limits to higher 250/500 limits