Mazda RX-8 Insurance Rates

Estimated insurance prices for a Mazda RX-8 are $942 every 12 months including full coverage. Comprehensive insurance costs on average $154, collision costs $188, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $2,020 or more. Teenage drivers pay the most at $3,814 a year or more.

Average premium for full coverage: $942

Premium estimates by type of coverage:

Includes $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different RX-8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Mazda RX-8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $578
• Choosing higher $1,000 deductibles can save around $78 every year
• The average price for a 40-year-old good driver with $500 deductibles is $942
• Using more expensive low deductibles for comp and collision coverage costs an extra $148 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,020 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage may cost $3,814 each year

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

Using high physical damage deductibles can save as much as $230 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,100 to $1,600 extra annually, depending on your age. High-risk driver insurance ranges from 42% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Mazda RX-8 insurance prices. A good driver about age 40 could pay as low as $730 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,350 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.

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 the Cheapest Mazda RX-8 Insurance

Finding better rates on insurance for a Mazda RX-8 takes having a good driving record, having good credit, refrain from filing small claims, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a recap of the information raised in the charts and tables above.

• You may be able to save as much as $100 per year simply by shopping early and online
• Drivers age 20 and younger pay the highest prices, with the cost nearing $318 per month if they have full coverage
• Increasing policy deductibles could save as much as $225 each year
• Drivers considered higher risk that have major violations or accidents may pay on average $1,080 more each year to buy Mazda RX-8 insurance
• Insureds who require increased levels of liability coverage will pay an extra $490 per year to raise limits from 30/60 bodily injury limits to a 250/500 level