Mazda RX-8 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Mazda RX-8 costs more than most other cars to insure.
• Full coverage insurance for a RX-8 runs about $205 a month, on average, while liability only insurance usually comes in at around $91 monthly.
• At as little as $25 a month for liability only coverage, JustInsure is the lowest car insurance company for a RX-8.

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RX-8 Overview

The Mazda RX-8 is a great budget-friendly car for drivers of all types, with a base price of just $26,795 for 2011 models.

We ran through thousands of auto insurance quotes on Compare.com, and we've found that average Mazda RX-8 insurance rates run about $153 monthly. But compared to other vehicles in the market, are RX-8 car insurance premiums higher or lower than those of similar cars?

How Much is Car Insurance for a Mazda RX-8?

If you look at the table above, you'll find that Mazda RX-8 insurance prices are higher than average. On average, RX-8 drivers can expect to pay around $91 per month for liability insurance, and about $205 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When you compare it to other Mazda models, the RX-8 is more expensive, with premiums more than 10% higher than the rest of the company's vehicle offerings. Similarly, RX-8 coverage is higher than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging more expensive prices than other cars.

Unsurprisingly, they're overall more expensive to insure than the average vehicle, regardless of which body style, make, or model you compare it to.

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Who has the Cheapest Car Insurance for a Mazda RX-8?

If you're searching for a car insurance policy for a Mazda RX-8, you may be most interested in which carrier offers the cheapest premiums. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $25 per month from JustInsure. The runner up for cheapest rates is Hugo, with auto insurance policies starting sometimes as cheap as $28 per month.

Rounding out the list are MetroMile, Clearcover, and Arrowhead. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Mazda RX-8.

Insurance companies use a wide array of factors and complex formulas to calculate rates. By analyzing quotes from a multitude of insurance carriers at once, you can guarantee you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Mazda RX-8?

There are multiple variables that auto insurance companies reference to choose how much they charge for car insurance -- and each company uses a different formula, so there's not a singular carrier that's the cheapest for every driver.

The sections below show an array of variables auto insurance carriers use to calculate rates:

Vehicle Age

Mazda has been making the RX-8 for quite some time -- and that means the car's age may make a big difference in how much you'll pay for car insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and RX-8s continue to depreciate, insurance costs will gradually go lower.

A new Mazda RX-8 model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Mazda RX-8s to insure are those that are 2 to 3 years old, while the most expensive models are RX-8s that are 15 years old or more, on average.

Your Age

Age makes a difference in how much insurance companies will charge. In the table above, you'll see that younger drivers pay more for car insurance than those with more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for RX-8 drivers.

Your Gender

Did you know men tend to pay more for insurance than women? This is because women are less likely to get into collisions and get speeding tickets, which lowers the chances of an insurance claim. The Mazda RX-8 sticks to the norm, where women pay around $23 less than men a month for auto insurance.

Where You Live

You were probably already aware that things like what vehicle you drive and how old you are play a role in your insurance rates, but you may not realize that where you live can be equally important. Because auto insurance is regulated at the state level, prices can fluctuate quite a bit from state to state.

For example, the average Mazda RX-8 driver in New York pays about $172 monthly for liability coverage. Meanwhile, on average, the same owner in California will pay less than half of that price. The chart above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change across states.

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Mazda RX-8 Car Insurance Discounts

Regardless of which car you drive, how old you are, or where you live, using as many discounts as possible when it comes to your car insurance is always in your best interest when shopping around for a new policy.

Even though all insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Pay-in-full discounts for choosing to pay your entire policy price up front, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same company
• Multi-vehicle discounts for insuring more than one of your cars with the same carrier
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution

These are just a few of the discounts out there. Often, it's actually having a profile that looks good to insurance companies that get you the most affordable rates.

Although you may not have control of every factor car insurance carriers take into account to calculate prices (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the ones you can use to your favor when it comes to saving cash:

Your Driving Record

It's no secret that auto insurance companies offer the most affordable premiums to drivers with a history of responsible driving. It makes sense that your car insurance rates will go higher if you get into an accident or get a speeding ticket. But you're probably wondering exactly how much these infractions will cost you.

As you can tell, accidents will usually cost RX-8 drivers less than tickets, but both will result in a raise in rates. Mazda RX-8 drivers with a single ticket will pay an average of $128 per month, while drivers with one accident on their record pay about $110 a month (up $19 from the $91/mo. overall average). Those who have more than one of either violation will end up paying even more.

How Much You Drive

How much you drive impacts your auto insurance premiums. Drivers who are on the roads less often are less likely to get into collisions, so they'll generally be offered less expensive rates. Based on the table above, you can see that Mazda RX-8 owners who drive 10,000 miles or more pay $92 for insurance, while those who drive fewer than 2,500 miles per year pay about $74 a month.

If you're one of those drivers who don't put very many miles on your Mazda RX-8 each year, it may be worth learning about pay-per-mile or usage-based car insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Mazda RX-8s Compare to Other Vehicles?

If you're thinking about purchasing a Mazda RX-8, it might be helpful to do your homework. Car insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth considering carefully.

Review the table below to see how the Mazda RX-8 compares:

As you can see, the Mazda RX-8 is right on par with the average vehicle price here in the U.S. The RX-8 starts at $26,795, similar to the national average vehicle MSRP of $35,020. A used RX-8 will be even lower, since there hasn't been a new model on the market recently.

Although the purchase price is right in the middle of the spectrum, insurance prices are higher when compared to other vehicles on the market. Liability insurance for a Mazda RX-8 is around $8 per month more than average, while full coverage is over $20 more monthly.

When it comes to usage, Mazda RX-8 drivers are much lower than the national average in annual miles driven, with 10,336 miles every year compared to 11,617 for all vehicles.

Mazda RX-8 Car Insurance Costs by Model Year

You've seen how different factors can have an impact on what you'll pay for auto insurance. If you're considering purchasing a new RX-8, knowing what you can expect to pay is extremely valuable as you weigh your choices.

Choose Your Model

2011 Mazda RX-8 Car Insurance 2010 Mazda RX-8 Car Insurance 2009 Mazda RX-8 Car Insurance 2008 Mazda RX-8 Car Insurance 2007 Mazda RX-8 Car Insurance 2006 Mazda RX-8 Car Insurance 2005 Mazda RX-8 Car Insurance 2004 Mazda RX-8 Car Insurance

2011 Mazda RX-8 Car Insurance

You can expect full coverage for a 2011 Mazda RX-8 to run about $198 a month, while liability only coverage will average around $89 per month.

We found Elephant offered the most affordable policy, with rates as low as just $27 a month.

Interested in what your auto insurance premium will be? Just enter your ZIP code below to get multiple personalized quotes for free.

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2010 Mazda RX-8 Car Insurance

The average cost to insure a 2010 RX-8 with liability only coverage is $60 per month, while full coverage runs about $180 monthly.

With prices as little as just $27 per month, Clearcover offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2010 Mazda RX-8, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2009 Mazda RX-8 Car Insurance

On average, drivers who own a 2009 Mazda RX-8 can expect to pay $79 to $189 monthly for liability only and full coverage insurance, respectively.

With premiums sometimes as little as $23 a month, Clearcover offered the cheapest policy we found for the 2009 Mazda RX-8.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2009 Mazda RX-8, you can get free quotes in minutes by just entering your ZIP code below.

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2008 Mazda RX-8 Car Insurance

It costs around $82 monthly for liability or $199 for a full coverage policy for the 2008 RX-8.

Looking for the most affordable policy? JustInsure offered liability only coverage for sometimes as low as $25 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2007 Mazda RX-8 Car Insurance

2007 Mazda RX-8 drivers can expect to pay an average of $90 per month for liability or $198 for full coverage.

MetroMile offered the cheapest policy we found, with rates as low as $20 monthly.

If you want to know exactly how much you can expect to pay for your RX-8, get free quotes in minutes by just entering your ZIP code below.

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2006 Mazda RX-8 Car Insurance

It costs about $80 per month for liability or $201 for a full coverage policy for the 2006 RX-8.

If you're looking for the cheapest possible 2006 Mazda RX-8 insurance policy, Elephant offered the lowest policy we found, with rates as cheap as just $19 a month.

Want something more accurate than nationwide averages? Enter your ZIP code below to get lots of free customized quotes.

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2005 Mazda RX-8 Car Insurance

The average cost to insure a 2005 Mazda RX-8 with liability only coverage is $91 per month, while full coverage runs around $218 a month.

WesternStar has rates as cheap as $17 monthly for the 2005 Mazda RX-8.

If you want to find the best prices for insurance for a 2005 Mazda RX-8, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2004 Mazda RX-8 Car Insurance

2004 RX-8 drivers can expect to pay an average of $99 per month for liability or $214 for full coverage.

If you're looking for the lowest possible 2004 Mazda RX-8 insurance policy, Safeco offered the cheapest policy we found, with rates as low as just $18 monthly.

What will your car insurance price be? Get a variety of free personalized quotes by just entering your ZIP code below.

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Mazda RX-8 Insurance FAQs

Is a Mazda RX-8 expensive to insure?

It costs more to insure a Mazda RX-8 when compared to the average vehicle. Liability insurance runs an average of $91 a month, while full coverage will cost you around $205.

How can I get the best price on car insurance for my Mazda RX-8?

There's only one way to confirm you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from numerous carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Mazda RX-8 affect my insurance prices?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually a myth. There are several things insurance companies consider when they decide how much your policy will be, but the color of your car is not used to make that determination.

Do I need to have insurance before I buy a Mazda RX-8?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) Mazda RX-8 off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your car insurance company know beforehand.

What car insurance discounts can I get for my Mazda RX-8?

You will find a variety of different discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the vehicle you drive, but if your RX-8 has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to get in touch with your insurance carrier and ask about which discounts they offer.