Mazda RX-8 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 3, 2024
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The average insurance rates for a Mazda RX-8 are $962 a year including full coverage. Comprehensive insurance costs on average $160 each year, collision insurance costs $198, and liability is estimated at $446. Buying just liability costs approximately $500 a year, and insurance for high-risk drivers costs $2,066 or more. Teenage drivers cost the most to insure at up to $3,882 a year.
Average premium for full coverage: $962
Policy rates by type of insurance:
These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and RX-8 models.
Price Range Variability
For a 40-year-old driver, Mazda RX-8 insurance rates range from the low end price of $500 for just liability insurance to a high rate of $2,066 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.
The examples above highlight why all drivers should get quotes based on a specific location, instead of using average rates.
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.
More Rate Details
The chart below breaks down average Mazda RX-8 insurance rates for different risk profiles and scenarios.
- The best discount rate is $590
- Choosing higher $1,000 deductibles can save around $82 every year
- The estimated price for a good driver age 40 with $500 deductibles is $962
- Using low deductibles for comp and collision coverage will cost an additional $156 every year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,066
- Policy cost that insures a teen driver may cost $3,882 each year
Insurance rates for a Mazda RX-8 also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 127% more than a normal policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $3,800 a year. View Rates by Age
Your home state plays a big part in determining prices for Mazda RX-8 insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,380 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $874 | -$88 | -9.1% |
| Alaska | $740 | -$222 | -23.1% |
| Arizona | $800 | -$162 | -16.8% |
| Arkansas | $962 | -$0 | 0.0% |
| California | $1,098 | $136 | 14.1% |
| Colorado | $922 | -$40 | -4.2% |
| Connecticut | $992 | $30 | 3.1% |
| Delaware | $1,092 | $130 | 13.5% |
| Florida | $1,206 | $244 | 25.4% |
| Georgia | $890 | -$72 | -7.5% |
| Hawaii | $692 | -$270 | -28.1% |
| Idaho | $650 | -$312 | -32.4% |
| Illinois | $718 | -$244 | -25.4% |
| Indiana | $724 | -$238 | -24.7% |
| Iowa | $650 | -$312 | -32.4% |
| Kansas | $916 | -$46 | -4.8% |
| Kentucky | $1,314 | $352 | 36.6% |
| Louisiana | $1,428 | $466 | 48.4% |
| Maine | $594 | -$368 | -38.3% |
| Maryland | $794 | -$168 | -17.5% |
| Massachusetts | $772 | -$190 | -19.8% |
| Michigan | $1,674 | $712 | 74.0% |
| Minnesota | $806 | -$156 | -16.2% |
| Mississippi | $1,156 | $194 | 20.2% |
| Missouri | $854 | -$108 | -11.2% |
| Montana | $1,036 | $74 | 7.7% |
| Nebraska | $760 | -$202 | -21.0% |
| Nevada | $1,156 | $194 | 20.2% |
| New Hampshire | $694 | -$268 | -27.9% |
| New Jersey | $1,080 | $118 | 12.3% |
| New Mexico | $854 | -$108 | -11.2% |
| New York | $1,014 | $52 | 5.4% |
| North Carolina | $556 | -$406 | -42.2% |
| North Dakota | $790 | -$172 | -17.9% |
| Ohio | $664 | -$298 | -31.0% |
| Oklahoma | $990 | $28 | 2.9% |
| Oregon | $884 | -$78 | -8.1% |
| Pennsylvania | $922 | -$40 | -4.2% |
| Rhode Island | $1,286 | $324 | 33.7% |
| South Carolina | $874 | -$88 | -9.1% |
| South Dakota | $814 | -$148 | -15.4% |
| Tennessee | $844 | -$118 | -12.3% |
| Texas | $1,162 | $200 | 20.8% |
| Utah | $712 | -$250 | -26.0% |
| Vermont | $662 | -$300 | -31.2% |
| Virginia | $576 | -$386 | -40.1% |
| Washington | $746 | -$216 | -22.5% |
| West Virginia | $884 | -$78 | -8.1% |
| Wisconsin | $670 | -$292 | -30.4% |
| Wyoming | $858 | -$104 | -10.8% |
Using high physical damage deductibles can save as much as $240 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 more per 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 | $948 | $79 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $962 | $80 |
| Mazda RX-8 R3 4-Dr Coupe | $962 | $80 |
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 | $186 | $250 | $474 | $1,068 |
| 2006 Mazda RX-8 | $160 | $198 | $446 | $962 |
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
Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Compare prices at every other renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.
The following is a brief summary of the concepts that were illustrated above.
- Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,100 more each year for RX-8 insurance
- Teens pay the highest rates, with premiums being up to $324 each month if full coverage is included
- You may be able to save as much as $110 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $250 each year
- You may be able to save as much as $110 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,882 |
| 20 | $2,198 |
| 30 | $980 |
| 40 | $962 |
| 50 | $886 |
| 60 | $866 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,118 |
| $250 | $1,048 |
| $500 | $962 |
| $1,000 | $880 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $962 |
| 50/100 | $1,051 |
| 100/300 | $1,163 |
| 250/500 | $1,453 |
| 100 CSL | $1,096 |
| 300 CSL | $1,341 |
| 500 CSL | $1,520 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,458 |
| 20 | $3,496 |
| 30 | $2,082 |
| 40 | $2,066 |
| 50 | $1,976 |
| 60 | $1,956 |
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 | $48 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $372 |
Discounts are estimated and may not be available from every company or in every state.
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