Mazda RX-8 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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U.S. average insurance rates for a Mazda RX-8 are $962 a year for full coverage. Comprehensive insurance costs an estimated $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 $2,066 or more. Teens pay the highest rates at $3,882 a year or more.
Average premium for full coverage: $962
Price estimates broken down by individual coverage:
Prices include $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all RX-8 models.
Price Range from Low to High
For a driver around age 40, Mazda RX-8 insurance prices go from as low as $500 for the bare minimum liability coverage to the much higher price of $2,066 for a high-risk insurance policy.
Geographic Price Range
Where you live has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above show why everyone should compare prices for a targeted area and risk profile, rather than 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 Information
The chart below shows estimated Mazda RX-8 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $590
- Using higher $1,000 deductibles will save approximately $82 a year
- The average rate for the average middle-age driver who has $500 deductibles is $962
- Selecting pricier low deductibles for physical damage coverage will cost an extra $156 each year
- Higher-risk drivers with serious driving violations could pay up to $2,066 or more
- The price for full coverage for a teenage driver for full coverage can cost as much as $3,882 or more
Car insurance prices for a Mazda RX-8 are also quite variable based on your driving record, the trim level of your RX-8, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $3,800 a year. View Rates by Age
The state you live in has a huge impact on Mazda RX-8 insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,380 on average in New York, Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $240 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $402 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,100 to $1,600 extra each year, depending on your age. Mazda RX-8 insurance for high-risk drivers can be around 41% to 127% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes may be quite different from one company to the next.
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 the Right Mazda RX-8 Insurance
Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a quick rundown of the car insurance concepts covered above.
- Drivers with reckless driving or DUI convictions pay an average of $1,100 more annually for RX-8 insurance
- Drivers can save approximately $110 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $250 each year
- Consumers who want higher liability limits will pay approximately $490 each year to increase from a low limit to 250/500 limits
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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