Mazda RX-8 Insurance Rates

U.S. average auto insurance rates for a Mazda RX-8 are $942 annually for full coverage insurance. Comprehensive insurance costs an estimated $154 a year, collision costs $188, and liability coverage costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $2,020 or more. Teenage drivers pay the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Price estimates broken down by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and RX-8 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities.

The diagram below illustrates how where you live affects insurance prices.

The ranges above illustrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

More Rate Details

The chart below illustrates estimated Mazda RX-8 insurance rates for other coverage scenarios.

• The best discount rate is $578
• Using higher $1,000 deductibles will save approximately $864 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $942
• Using low $100 deductibles for physical damage coverage costs an additional $148 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,020 or more
• The price with full coverage for a teenage driver can cost as much as $3,814 or more

View Chart as Image

Insurance prices for a Mazda RX-8 are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy can be around 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $230 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Mazda RX-8 insurance rates. A driver around age 40 might see prices as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,280 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite 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 More Affordable Mazda RX-8 Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a summary of the data touched on in the above illustrations.

• Consumers who want higher liability limits will pay an extra $490 annually to increase from a low limit to higher 250/500 limits
• It is possible to save approximately $100 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $225 each year
• Teenagers are expensive to insure, as much as $318 a month if they have full coverage