Mazda RX-8 Insurance Rates

Estimated auto insurance rates for a Mazda RX-8 are $942 annually for full coverage insurance. Comprehensive costs approximately $154 each year, collision costs $188, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $2,020. Teens pay the most at $3,814 a year or more.

Average premium for full coverage: $942

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and RX-8 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance prices.

These rate differences illustrate why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $578
• Drivers who choose higher $1,000 deductibles will pay $78 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $942
• Selecting low deductibles for comprehensive and collision insurance will cost $1,090
• Drivers with serious driving violations could pay around $2,020 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost $3,814 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 per year 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 are probably paying anywhere from $1,100 to $1,600 additional annually, depending on your age. Insurance for high-risk drivers can cost from 42% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $230 annually, whereas increasing liability limits will push prices upward. Switching 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 makes a big difference in Mazda RX-8 insurance prices. A 40-year-old driver could pay as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,280 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Every company calculates prices differently, and prices will be substantially different between companies.

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 Cheapest Mazda RX-8 Insurance

Finding better rates on insurance for a Mazda RX-8 not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around at least every other year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a recap of the car insurance concepts touched on above.

• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,080 more per year than a driver with a clean driving record
• It is possible to save around $100 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $225 each year
• Insureds who purchase additional liability coverage will pay approximately $490 annually to go from 30/60 bodily injury limits to higher 250/500 limits