Mazda RX-8 Insurance Rates
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UPDATED: Apr 3, 2024
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Estimated insurance prices for a Mazda RX-8 are $962 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $160 each year, collision insurance costs $198, and liability is $446. Liability-only insurance costs around $500 a year, and high-risk driver insurance costs $2,066 or more. Teenage drivers pay the most at up to $3,882 a year.
Average premium for full coverage: $962
Premium estimates by type of coverage:
These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and RX-8 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Mazda RX-8 range from the cheapest price of $500 for minimum levels of liability insurance to a high rate of $2,066 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how your location can change auto insurance prices.
These rate differences illustrate why all drivers should compare rates quotes using their specific location and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below illustrates average Mazda RX-8 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $590
- Raising to $1,000 deductibles will save $82 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $962
- Using low deductibles costs an extra $156 annually
- Drivers who are prone to accidents and violations could pay around $2,066
- An auto insurance policy to insure a 16-year-old driver can cost $3,882
Insurance prices for a Mazda RX-8 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your RX-8.
Using high physical damage deductibles can reduce prices by up to $240 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $402 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 127% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Mazda RX-8 insurance prices. A middle-age driver might find prices as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.
| 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% |
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 Shop for Cheap Mazda RX-8 Insurance
Finding better rates on insurance for a Mazda RX-8 consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around at every other renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The list below is a brief summary of the concepts that were illustrated above.
- Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,100 more per year for car insurance
- Teenagers are the costliest to insure, with premiums being up to $324 per month if full coverage is included
- It is possible to save around $110 per year just by quoting online in advance
- Increasing policy deductibles could save as much as $250 each year
- It is possible to save around $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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