Mazda RX-8 Insurance Rates

The average insurance prices for a Mazda RX-8 are $942 every 12 months with full coverage. Comprehensive insurance costs around $154, collision costs $188, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $2,020 or more. Teens cost the most to insure at $3,814 a year or more.

Average premium for full coverage: $942

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all RX-8 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Charts and Tables

The chart below details estimated Mazda RX-8 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $578
• Raising to $1,000 deductibles will save about $78 annually
• The average price for a good driver age 40 using $500 deductibles is $942
• Selecting pricier low deductibles costs an extra $148 every year
• At-risk drivers with serious driving violations could pay at least $2,020 or more
• Policy cost to insure a teen driver for full coverage can be $3,814

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $230 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, 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 is expensive and can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Mazda RX-8 insurance prices. A middle-age driver might find rates as low as $680 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,280 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and rates will be varied.

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 Shop for More Affordable Mazda RX-8 Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates once a year by obtaining price quotes from direct companies, and also from several local insurance agents.

The following items are a summary of the data that was presented in the illustrations above.

• You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date
• Policyholders who may need additional liability coverage will pay approximately $490 every year to raise from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, as much as $318 each month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations pay on average $1,080 more every year than a driver with a clean driving record