Mazda RX-8 Insurance Rates
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UPDATED: Apr 3, 2024
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U.S. average insurance rates for a Mazda RX-8 are $994 a year for full coverage insurance. Comprehensive costs approximately $176 each year, collision insurance costs $208, and liability costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $2,124. Teens pay the highest rates at up to $3,964 a year.
Average premium for full coverage: $994
Price estimates by individual coverage:
These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and RX-8 models.
Price Range from Low to High
For an average driver, Mazda RX-8 insurance prices range from the low end price of $504 for the bare minimum liability coverage to a high rate of $2,124 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance prices.
The ranges above illustrate why all drivers should compare prices using their specific location, instead of making a decision based on 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 Information
The chart below illustrates average Mazda RX-8 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $609
- Using higher $1,000 deductibles will save $88 each year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $994
- Selecting low deductibles for physical damage coverage bumps up the cost to $1,158
- High-risk insureds with serious driving violations could pay around $2,124
- The price that insures a 16-year-old driver can cost $3,964 or more
Auto insurance prices for a Mazda RX-8 are also quite variable based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 43% to 135% more than the average policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,900 a year. View Rates by Age
The state you live in has a huge impact on Mazda RX-8 insurance prices. A driver around age 40 might see prices as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,340 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $898 | -$96 | -9.7% |
| Alaska | $762 | -$232 | -23.3% |
| Arizona | $826 | -$168 | -16.9% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,132 | $138 | 13.9% |
| Colorado | $950 | -$44 | -4.4% |
| Connecticut | $1,022 | $28 | 2.8% |
| Delaware | $1,124 | $130 | 13.1% |
| Florida | $1,242 | $248 | 24.9% |
| Georgia | $916 | -$78 | -7.8% |
| Hawaii | $714 | -$280 | -28.2% |
| Idaho | $672 | -$322 | -32.4% |
| Illinois | $740 | -$254 | -25.6% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $944 | -$50 | -5.0% |
| Kentucky | $1,354 | $360 | 36.2% |
| Louisiana | $1,470 | $476 | 47.9% |
| Maine | $612 | -$382 | -38.4% |
| Maryland | $818 | -$176 | -17.7% |
| Massachusetts | $794 | -$200 | -20.1% |
| Michigan | $1,726 | $732 | 73.6% |
| Minnesota | $830 | -$164 | -16.5% |
| Mississippi | $1,190 | $196 | 19.7% |
| Missouri | $882 | -$112 | -11.3% |
| Montana | $1,066 | $72 | 7.2% |
| Nebraska | $784 | -$210 | -21.1% |
| Nevada | $1,192 | $198 | 19.9% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,112 | $118 | 11.9% |
| New Mexico | $880 | -$114 | -11.5% |
| New York | $1,046 | $52 | 5.2% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $686 | -$308 | -31.0% |
| Oklahoma | $1,020 | $26 | 2.6% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $946 | -$48 | -4.8% |
| Rhode Island | $1,326 | $332 | 33.4% |
| South Carolina | $898 | -$96 | -9.7% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $870 | -$124 | -12.5% |
| Texas | $1,198 | $204 | 20.5% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $680 | -$314 | -31.6% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $770 | -$224 | -22.5% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $886 | -$108 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $260 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $976 | $81 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $994 | $83 |
| Mazda RX-8 R3 4-Dr Coupe | $994 | $83 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mazda RX-8 | $198 | $274 | $474 | $1,104 |
| 2006 Mazda RX-8 | $176 | $208 | $452 | $994 |
| 2004 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 Find Cheap Mazda RX-8 Insurance
Getting lower rates on insurance for a Mazda RX-8 requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare rates at least every other year by requesting quotes from direct insurance companies, and also from your local car insurance providers.
The list below is a brief summary of the car insurance concepts covered in the above illustrations.
- Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,130 more per year for car insurance
- It is possible to save around $110 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $250 each year
- Insureds who purchase higher liability limits will pay approximately $500 annually to increase from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,964 |
| 20 | $2,258 |
| 30 | $1,010 |
| 40 | $994 |
| 50 | $910 |
| 60 | $890 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,158 |
| $250 | $1,084 |
| $500 | $994 |
| $1,000 | $906 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,084 |
| 100/300 | $1,197 |
| 250/500 | $1,491 |
| 100 CSL | $1,130 |
| 300 CSL | $1,378 |
| 500 CSL | $1,559 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,578 |
| 20 | $3,590 |
| 30 | $2,144 |
| 40 | $2,124 |
| 50 | $2,030 |
| 60 | $2,010 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $50 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $43 |
| Online Quote | $67 |
| Total Discounts | $385 |
Discounts are estimated and may not be available from every company or in every state.
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