Mazda RX-8 Insurance Rates

The average insurance rates for a Mazda RX-8 are $962 a year for full coverage insurance. Comprehensive costs around $160, collision costs $198, and liability coverage costs around $446. Liability-only insurance costs as low as $500 a year, with high-risk driver insurance costing around $2,066. Teenage drivers cost the most to insure at $3,882 a year or more.

Average premium for full coverage: $962

Policy rates for type of insurance:

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all RX-8 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why everyone should compare prices for a specific zip code and risk profile, rather than using average rates.

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

More Rate Information

The chart below illustrates estimated Mazda RX-8 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $590
• Using higher $1,000 deductibles will save about $82 each year
• The average rate for a good driver age 40 using $500 deductibles is $962
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,118
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,066 or more
• Policy cost for full coverage for a teenage driver for full coverage can be $3,882 or more

View Chart as Image

Auto insurance rates for a Mazda RX-8 also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $3,800 a year. View Rates by Age

Your home state has a huge impact on Mazda RX-8 insurance rates. A driver around age 40 might see rates as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,300 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $240 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $402 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,100 to $1,600 in extra premium every year, depending on your age. Mazda RX-8 insurance for high-risk drivers can be around 41% to 127% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 auto insurance requires being a safe and courteous driver, having good credit, being claim-free, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a brief summary of the concepts that were raised in the charts and tables above.

• Drivers that tend to have accidents or serious violations may pay on average $1,100 more every year for auto insurance
• Teenage drivers are expensive to insure, possibly costing $324 each month if they have full coverage
• It is possible to save up to $110 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $250 each year
• It is possible to save up to $110 per year simply by quoting online well ahead of the renewal date