Mazda RX-8 Insurance Rates

The average insurance rates for a Mazda RX-8 are $942 a year with full coverage. Comprehensive costs around $154, collision costs $188, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $2,020. 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:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different RX-8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on 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
• Drivers who choose higher $1,000 deductibles will pay about $78 annually
• The estimated price for a good driver age 40 using $500 deductibles is $942
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,090
• Drivers with serious driving violations could pay at least $2,020 or more
• Policy cost that insures a 16-year-old driver with full coverage can be $3,814 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost from 42% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $3,800 a year. View Rates by Age

Your home state makes a big difference in Mazda RX-8 insurance prices. A 40-year-old driver could pay 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

Choosing higher comprehensive and collision insurance deductibles could save up to $230 annually, while increasing your policy's liability limits will increase rates. Moving 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

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Every company calculates rates differently, so the 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 Find Cheap Mazda RX-8 Insurance

Finding cheaper rates on insurance for a Mazda RX-8 not only requires having a decent driving record, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates every time your policy renews by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following items are a brief summary of the information illustrated above.

• You may be able to save up to $100 per year simply by shopping early and online
• 16 to 18-year-old drivers pay higher rates, as much as $318 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,080 more every year than a driver with a clean driving record
• Insureds who may need additional liability coverage will pay approximately $490 every year to go from a 30/60 limit to the 250/500 level