Mazda RX-8 Insurance Rates

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UPDATED: Apr 3, 2024

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Estimated auto insurance rates for a Mazda RX-8 are $942 annually for full coverage. Comprehensive costs on average $154 a 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:

Comprehensive $154
Collision $188
Liability $442

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and RX-8 trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Mazda RX-8 go from as cheap as $496 for just the minimum liability insurance to a high of $2,020 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $942
High Risk $2,020

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $707
Small Cities $989
Large Cities $1,272

These rate differences show why it is important to compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $578
  • Drivers who choose higher $1,000 deductibles will pay around $864 a year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $942
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,090
  • Higher-risk drivers with serious driving violations could pay upwards of $2,020 or more
  • An auto insurance policy with full coverage for a teen driver may cost $3,814 a year

View Chart as Image

Mazda RX-8 insurance cost comparison chart
Column chart showing full coverage Mazda RX-8 insurance rates range from $578 to $3,814

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little 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 upwards of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can cost as much as 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 every year, while buying higher liability limits will cost you more. Going 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 Idaho, Maine, and Iowa, or have to pay at least $1,350 on average in Michigan, Louisiana, and New York.

Mazda RX-8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $854 -$88 -9.3%
Alaska $724 -$218 -23.1%
Arizona $784 -$158 -16.8%
Arkansas $942 -$0 0.0%
California $1,074 $132 14.0%
Colorado $902 -$40 -4.2%
Connecticut $970 $28 3.0%
Delaware $1,066 $124 13.2%
Florida $1,182 $240 25.5%
Georgia $870 -$72 -7.6%
Hawaii $680 -$262 -27.8%
Idaho $638 -$304 -32.3%
Illinois $704 -$238 -25.3%
Indiana $710 -$232 -24.6%
Iowa $636 -$306 -32.5%
Kansas $896 -$46 -4.9%
Kentucky $1,286 $344 36.5%
Louisiana $1,396 $454 48.2%
Maine $582 -$360 -38.2%
Maryland $780 -$162 -17.2%
Massachusetts $756 -$186 -19.7%
Michigan $1,638 $696 73.9%
Minnesota $790 -$152 -16.1%
Mississippi $1,132 $190 20.2%
Missouri $838 -$104 -11.0%
Montana $1,014 $72 7.6%
Nebraska $744 -$198 -21.0%
Nevada $1,132 $190 20.2%
New Hampshire $680 -$262 -27.8%
New Jersey $1,054 $112 11.9%
New Mexico $834 -$108 -11.5%
New York $994 $52 5.5%
North Carolina $544 -$398 -42.3%
North Dakota $772 -$170 -18.0%
Ohio $652 -$290 -30.8%
Oklahoma $970 $28 3.0%
Oregon $864 -$78 -8.3%
Pennsylvania $902 -$40 -4.2%
Rhode Island $1,260 $318 33.8%
South Carolina $854 -$88 -9.3%
South Dakota $796 -$146 -15.5%
Tennessee $828 -$114 -12.1%
Texas $1,136 $194 20.6%
Utah $700 -$242 -25.7%
Vermont $646 -$296 -31.4%
Virginia $564 -$378 -40.1%
Washington $732 -$210 -22.3%
West Virginia $864 -$78 -8.3%
Wisconsin $654 -$288 -30.6%
Wyoming $842 -$100 -10.6%

View Chart as Image

Mazda RX-8 insurance rates by U.S. city

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every company calculates prices differently, and prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Mazda RX-8 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda RX-8 Sport 4-Dr Coupe $930 $78
Mazda RX-8 Grand Touring 4-Dr Coupe $942 $79
Mazda RX-8 R3 4-Dr Coupe $942 $79

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.

Mazda RX-8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Mazda RX-8 $180 $224 $468 $1,030
2006 Mazda RX-8 $154 $188 $442 $942

Rates are averaged for all Mazda RX-8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheaper Mazda RX-8 Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every other policy renewal by getting rate quotes from direct carriers, and also from local insurance agents.

The following is a condensed summary of the ideas that were covered above.

  • Teens pay higher prices, as much as $318 per month if they have full coverage
  • Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,080 more each year for RX-8 insurance
  • Increasing policy deductibles could save up to $225 each year
  • Drivers can save as much as $100 per year simply by quoting early and online

Rates by Driver Age

Mazda RX-8 Insurance Rates by Driver Age
Driver Age Premium
16 $3,814
20 $2,150
30 $958
40 $942
50 $866
60 $848

Full coverage, $500 deductibles

Rates by Deductible

Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,090
$250 $1,024
$500 $942
$1,000 $864

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $942
50/100 $1,030
100/300 $1,141
250/500 $1,428
100 CSL $1,075
300 CSL $1,318
500 CSL $1,495

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda RX-8 Insurance Rates for High Risk Drivers
Age Premium
16 $5,356
20 $3,422
30 $2,036
40 $2,020
50 $1,932
60 $1,912

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $124

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $47
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $56
5-yr Claim Free $58
Paid in Full/EFT $33
Advance Quote $40
Online Quote $63
Total Discounts $364
Rate after discounts $578

Discounts are estimated and may not be available from every company or in every state.

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