Cheap Mazda RX-8 Car Insurance in 2024 (10 Most Affordable Companies)
Progressive, USAA, and State Farm offer the best cheap Mazda RX-8 car insurance, with rates starting at $48 per month from Progressive. These providers excel in tailored discounts, military benefits, and competitive rates, making them top choices for effectively insuring your Mazda RX-8.
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Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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UPDATED: Oct 15, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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A.M. Best Rating
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17,759 reviewsThe top picks for cheap Mazda RX-8 car insurance are Progressive, USAA, and State Farm, known for their competitive rates and affordable coverage options.
These providers stand out in the market by offering tailored discounts, extensive military benefits, and robust policy choices, catering to a wide range of drivers.
Our Top 10 Company Picks: Cheap Mazda RX-8 Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $48 | A+ | Tailored Discounts | Progressive |
 | #2 | $53 | A++ | Military Benefits | USAA |
 | #3 | $61 | B | Competitive Rates | State Farm |
 | #4 | $66 | A+ | Drivewise Program | Allstate |
 | #5 | $69 | A+ | Anti-Theft Discounts | Nationwide |
 | #6 | $72 | A | Signal Program | Farmers |
 | #7 | $75 | A | Defensive Driving | American Family |
 | #8 | $77 | A++ | Hybrid Discounts | Travelers |
 | #9 | $80 | A | Newer Car | Liberty Mutual |
 | #10 | $83 | A | Membership Benefits | AAA |
Opting for the right insurance is crucial for Mazda RX-8 owners, given the vehicle’s unique characteristics and associated costs. This will guide you through understanding the factors that affect insurance pricing and how to choose the best coverage for your Mazda RX-8.
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- Progressive leads with the lowest rates starting at $48/month
- Mazda RX-8 insurance considers sports car risks and repair costs
- Opt for comprehensive coverage tailored for Mazda RX-8 needs
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#1 – Progressive: Top Overall Pick
Pros
- Affordable Rates: Discover our Progressive insurance review & ratings, highlighting the company’s lowest full coverage rate for Mazda RX-8.
- Flexible Coverage Options: Provides coverage tailored for high-performance vehicles like the Mazda RX-8, accommodating a range of needs.
- Roadside Assistance: Provides reliable roadside assistance services for added peace of mind when driving your Mazda RX-8.
Cons
- Risk Sensitive Pricing: May have higher premiums for Mazda RX-8 in high-risk areas due to specific risk evaluations.
- Modification Limits: Vehicle modifications on your Mazda RX-8 can significantly increase premiums, potentially limiting customization options.
#2 – USAA: Best for Military Families
Pros
- Military Discounts: Explore our USAA insurance review & ratings to learn about the significant discounts and benefits for military members and their families.
- Competitive Pricing: Provides full coverage for Mazda RX-8 at $119, making it one of the most affordable options for eligible members.
- High Customer Satisfaction: Known for exceptional customer service and claims satisfaction among military families insuring a Mazda RX-8.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families, limiting access for the general public looking to insure a Mazda RX-8.
- Coverage Variation: Coverage details and discounts for the Mazda RX-8 may vary significantly by location and individual eligibility.
#3 – State Farm: Best for Comprehensive Policy Options
Pros
- Wide Coverage Options: Offers a broad range of coverage including liability, collision, and comprehensive plans for the Mazda RX-8.
- Discount Programs: View our State Farm insurance review & ratings, featuring discounts for safe driving, multiple vehicles, and combining auto with home insurance for Mazda RX-8 owners.
- Diverse Coverage Options: Offers a variety of coverage options for different needs.
Cons
- Cost Variability: Premiums for the Mazda RX-8 can vary widely depending on the driver’s location and personal driving history.
- Agent-Dependent Services: Some customers insuring a Mazda RX-8 may find services too reliant on agent interactions, which can vary in quality.
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#4 – Allstate: Best for Innovative Tools
Pros
- Robust Coverage Options: Provides extensive coverage options that can be tailored to individual needs for Mazda RX-8 insurance.
- Innovative Tools: Offers tools like DriveWise for additional savings based on driving behavior of Mazda RX-8 owners.
- Discount Availability: Delve into our Allstate insurance review & ratings to find out about the multiple discounts available, including new car, multi-policy, and safe driving.
Cons
- Higher Price Point: Generally higher premiums for Mazda RX-8 compared to competitors.
- Customer Service Variability: Some customers insuring a Mazda RX-8 report variability in service quality and response times across different regions.
#5 – Nationwide: Best for Flexible Deductibles
Pros
- Flexible Deductibles: See our Nationwide insurance review & ratings which detail the range of deductible options that can help lower premiums.
- Accident Forgiveness: Includes features like accident forgiveness to prevent premium spikes for Mazda RX-8 after an incident.
- Extensive Discounts: Provides numerous discounts for safe driving, anti-theft devices, and bundling policies for Mazda RX-8 owners.
Cons
- Policy Costs: May have higher costs for Mazda RX-8 drivers with less-than-perfect driving records.
- Claim Process: Some users insuring a Mazda RX-8 report a complex claim process that can be time-consuming.
#6 – Farmers: Best for Customizable Insurance
Pros
- Customizable Options: Allows for highly customizable insurance policies to meet diverse needs of Mazda RX-8 owners.
- Discount Programs: Take a look at our Farmers insurance review & ratings, offering insights on discounts for electronic payments and early policy shopping.
- Helpful Mobile App: Provides a user-friendly mobile app for managing policies and filing claims for your Mazda RX-8.
Cons
- Pricing: Can be more expensive than some competitors for similar coverage levels for Mazda RX-8.
- Customer Reviews: Mixed reviews on customer support and claims satisfaction for Mazda RX-8 insurance in some areas.
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#7 – American Family: Best for Multi-Generational Policy
Pros
- Loyalty Discounts: Read about how American Family insurance review & ratings reward long-term customers with loyalty discounts.
- Generational Discounts: Offers discounts for families with multiple generations of Mazda RX-8 drivers.
- Safety Equipment Discounts: Provides lower rates for Mazda RX-8 vehicles equipped with advanced safety features.
Cons
- Availability Limited: Not available in all states, limiting its reach for Mazda RX-8 insurance.
- Rate Increases: Some customers insuring a Mazda RX-8 report rate increases after policy renewals without clear justification.
#8 – Travelers: Best for Hybrid and Electric Vehicle
Pros
- Hybrid Vehicle Discount: According to our Travelers insurance review & ratings, the company offers discounts for owners of hybrid and electric vehicles.
- Intuitive Online Tools: Strong online platform for policy management and claim filing for Mazda RX-8 insurance.
- Comprehensive Coverage: Wide array of coverage options including gap insurance and rental coverage for Mazda RX-8.
Cons
- Premium Costs: Tends to have higher premiums for high-performance vehicles like the Mazda RX-8.
- Customer Service Issues: Some reports of less than satisfactory customer service experiences for Mazda RX-8 insurance.
#9 – Liberty Mutual: Best for Global Coverage
Pros
- Custom Coverage: Offers tailored coverage options like better car replacement and accident forgiveness for Mazda RX-8.
- Wide Range of Discounts: Includes discounts for online purchase, good student, and more for Mazda RX-8 owners.
- Global Presence: In line with our Liberty Mutual insurance review & ratings, learn about their extensive network providing coverage and support worldwide.
Cons
- Variable Customer Satisfaction: Customer satisfaction ratings for Mazda RX-8 insurance can vary widely by region.
- Higher Rates: Can be more expensive than some competitors for basic coverage options for Mazda RX-8.
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#10 – AAA: Best for Extra Membership Benefits
Pros
- Comprehensive Benefits: Offers a wide range of benefits including travel discounts and roadside assistance for Mazda RX-8.
- Coverage Options: With regard to our AAA insurance review & ratings, discover the variety of coverage levels offered, from minimal to full protection.
- Membership Perks: Membership includes additional perks beyond insurance for Mazda RX-8, enhancing value.
Cons
- Membership Requirement: Requires AAA membership for Mazda RX-8 insurance, adding to overall costs.
- Service Variability: Service quality for Mazda RX-8 insurance can vary significantly between regional clubs.
Factors That Affect the Cost of Mazda Rx-8 Car Insurance
Insurance companies assess multiple factors to determine the cost of insuring a Mazda RX-8. These include the age and gender of the driver, with younger males often facing higher premiums due to statistically higher accident rates. A clean driving history without accidents or violations can lower rates, while the driver’s ZIP code influences premiums based on local crime rates and accident frequency.
The more miles driven annually increases the risk of accidents, thus potentially raising rates. Additionally, credit history is considered, reflecting a correlation between lower scores and higher accident rates. Opting for a higher deductible can reduce monthly premiums, though it increases out-of-pocket costs in the event of a claim.
Higher insurance coverage limits offer better protection but also come at a higher cost. The driver’s occupation also plays a role, with certain high-risk or high-stress professions possibly leading to higher premiums due to an increased likelihood of car accidents.
Mazda RX-8 Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $83 | $159 |
| Allstate | $66 | $128 |
| American Family | $75 | $144 |
| Farmers | $72 | $139 |
| Liberty Mutual | $80 | $154 |
| Nationwide | $69 | $133 |
| Progressive | $48 | $112 |
| State Farm | $61 | $123 |
| Travelers | $77 | $148 |
| USAA | $53 | $119 |
The table presents monthly rates for Mazda RX-8 car insurance, comparing the costs of minimum and full coverage across various insurance providers. It features rates from ten companies, with Progressive offering the lowest full coverage rate at $112 and the most affordable minimum coverage at $48.
USAA follows closely, especially favored by military families, providing full coverage at $119 and minimum at $53. At the higher end, AAA provides full coverage for $159 and minimum for $83. This comprehensive overview allows Mazda RX-8 owners to assess which insurance company offers the best rates for their coverage needs.
Mazda RX-8 Monthly Insurance Insights
The monthly cost of insuring a Mazda RX-8 typically falls between $125 and $208 for full coverage, including liability, comprehensive, and collision car insurance. These costs are influenced by various factors such as the driver’s age, driving history, location, and the level of coverage selected.
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Younger drivers and those with records of accidents or violations usually encounter higher premiums, as do individuals residing in areas with high crime rates or frequent accidents. Comparing quotes from different insurers is essential, as each evaluates risk differently, affecting premium rates.
To potentially reduce your monthly insurance costs, consider maintaining a clean driving record, taking advantage of available discounts, opting for a higher deductible if financially viable, installing anti-theft devices, periodically reviewing your coverage as your vehicle ages, keeping a good credit score, and exploring usage-based insurance programs that offer discounts for safe driving habits.
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Monthly Guide to Mazda RX-8 Insurance Expenses
Insuring a Mazda RX-8 often costs more than insuring standard vehicles due to its sports car classification, which is associated with higher speeds and increased accident risks, thus elevating insurance premiums.
The RX-8’s distinctive rotary engine delivers high performance but requires specialized care, which can raise repair and maintenance costs, consequently impacting monthly insurance rates due to the need for specialized expertise. On average, the monthly insurance cost for a Mazda RX-8 ranges from $125 to $208 for full coverage, but these are only estimates, and actual rates may vary based on individual factors.
It’s crucial to secure both liability insurance, which covers damage to others’ property or vehicles, and collision/comprehensive insurance, which covers damage to your vehicle from accidents or incidents like theft. Consulting with insurers that specialize in sports car coverage is essential to ensure adequate protection for your Mazda RX-8.
The table lists car insurance discounts available for Mazda RX-8 owners from top providers. Discounts include multi-policy, multi-car, good driver, and good student, among others. For example, AAA offers discounts for anti-theft devices and low mileage, while Progressive includes homeowner discounts and incentives for paperless billing.
This overview allows Mazda RX-8 owners to compare discount options across various insurers like Allstate, American Family, and Farmers, highlighting opportunities for premium reductions through safe driving rewards, loyalty bonuses, and early signing incentives.
Optimizing Mazda RX-8 Insurance: A Driver’s Guide
Your driving record significantly impacts Mazda RX-8 insurance rates, with accidents, traffic violations, and DUI convictions affecting costs. Following guidelines from the car driving safety guide for teens and parents to practice safe driving and obey traffic laws can help lower insurance rates.
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If you’re aiming to reduce costs on your Mazda RX-8 car insurance, consider our detailed guide which offers strategies to lower premiums while ensuring adequate coverage, including tips on discounts, deductible options, and quote comparisons.
Additionally, while comprehensive coverage is optional, it is highly recommended for Mazda RX-8 owners due to the car’s value and characteristics. This coverage protects against non-collision damages such as theft, vandalism, fire, or natural disasters, offering essential protection and peace of mind for high-value vehicles like the RX-8.
Key Insurance Factors for Mazda RX-8: New vs. Used, Deductibles, and Location
Insuring a new Mazda RX-8 is generally more expensive than insuring a used model due to the higher value and repair costs of newer vehicles, which can lead to higher premiums. However, the insurance costs are also influenced by other factors such as the age of the used RX-8, your driving history, the deductible amount you choose, and your location.
The deductible, which is the amount you pay out-of-pocket before insurance kicks in, can be adjusted to lower your monthly premiums if you opt for a higher deductible, or increase them if you choose a lower one. This flexibility is part of how does the insurance company determine the premium.
Additionally, your residential location significantly affects insurance costs; living in areas with high crime rates or frequent accidents usually results in higher premiums. Understanding these variables can help you navigate the complexities of insurance for your Mazda RX-8 and potentially reduce costs.
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Mazda RX-8 Insurance: Mods, Providers, and Myths
Many Mazda RX-8 owners customize their vehicles with modifications that, while enhancing aesthetics and performance, can also affect insurance rates. Engine enhancements, aftermarket exhaust systems, or upgraded suspensions increase vehicle risk, potentially raising premiums.
It’s crucial to notify your insurer about any modifications to ensure you have adequate coverage. When selecting an insurance provider, reputable companies like Progressive, USAA, and State Farm offer tailored coverage for sports cars. Obtaining quotes from multiple providers is recommended to secure the best rates for your Mazda RX-8.
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Mazda RX-8: review, history, prices and specs https://t.co/HO7vzr5w0l via @evomagazine
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Insurance costs are influenced not only by the car’s age and value but also by factors like driving history and location. Insuring sports cars like the RX-8 can be costly, but using strategic comparisons and car insurance discounts to ask for can effectively reduce expenses.
Strategies for Economical Mazda RX-8 Insurance
When securing insurance for your Mazda RX-8, exploring available discounts and incentives is essential, as insurers often offer reductions for safe driving, multi-policy bundles, or anti-theft measures like alarm systems and secure parking. To find affordable yet reliable coverage, compare quotes from various providers, especially those specializing in sports cars, and look for specific discounts for Mazda RX-8 owners.
Considering a higher deductible might also reduce costs. Additionally, the insurance landscape is evolving with technological advancements like self-driving cars and telematics, which monitor driving habits and could lead to usage-based insurance options, potentially offering personalized rates based on actual driving behavior.
By understanding these dynamics and actively seeking cost-effective strategies, you can ensure comprehensive and affordable protection for your Mazda RX-8, aligning with what is affordable coverage.
Case Studies: Customizing Mazda RX-8 Insurance
These case studies demonstrate how Mazda RX-8 owners can customize their insurance policies with three top insurers to match their specific driving needs and circumstances.
- Case Study #1 – Enhanced Protection: Emily, a 30-year-old marketing consultant in Seattle, uses her Mazda RX-8 for both commuting and road trips. Emily selected Progressive for its flexibility with high-performance vehicles and additional options like roadside assistance and rental car reimbursement. She utilizes the Snapshot program for safe driving discounts, paying approximately $180 per month.
- Case Study #2 – Military Precision: John, a 40-year-old active-duty military member in Virginia Beach, drives his Mazda RX-8 mainly on weekends. John chose USAA for its military discounts and comprehensive coverage suitable for both collision and comprehensive car insurance risks. His customized policy costs $150 per month, including military and safe driver discounts.
- Case Study #3 – Reliable Coverage: Linda, a 45-year-old school teacher in rural Pennsylvania, uses her Mazda RX-8 for daily commuting. She chose State Farm for its customer service and reliability, benefiting from multiple line discounts and the drive safe & save program. This combination reduces her monthly premium to $160, including emergency road service.
These case studies exemplify the importance of choosing the right insurance provider based on individual needs and circumstances, ensuring Mazda RX-8 owners receive optimal coverage tailored to their specific requirements.
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With careful consideration and strategic selection, drivers can enhance their insurance experience while managing costs effectively.
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Smart Strategies for Mazda RX-8 Insurance
Insuring a Mazda RX-8 involves assessing factors that influence premiums such as the car’s sports features and the driver’s details. By using compare car insurance quotes and utilizing available discounts, owners can secure cost-effective coverage.
Key strategies to reduce costs include maintaining a clean driving record, adjusting deductibles, and adding security features. It’s crucial for Mazda RX-8 owners to consult with insurers specializing in sports cars to ensure comprehensive protection.
If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you.
Frequently Asked Questions
How can maintaining my Mazda RX-8 in good condition affect my insurance rates?
Properly warming up your Mazda RX-8’s engine before driving and avoiding cold starts can reduce wear and tear, potentially leading to fewer insurance claims for engine damage. Insurers may factor in the condition and maintenance of your Mazda RX-8 when determining rates.
Does the purchase price of a Mazda RX-8 influence its insurance costs?
Yes, the purchase price of a Mazda RX-8, which ranges from $4,000 to $18,997 based on mileage and condition, directly impacts its insurance premiums. Higher valued vehicles like the Mazda RX-8 typically cost more to insure due to the higher cost of replacement parts and repairs.
Use our free comparison tool above to see what auto insurance quotes look like in your area.
How does the Mazda RX-8’s safety rating impact insurance premiums?
The Mazda RX-8’s safety rating, including a four-star NHTSA side impact test score, can influence insurance costs. Vehicles with higher safety ratings, like the Mazda RX-8, generally benefit from lower insurance premiums due to perceived lower risk of injury and repair costs in an accident.
For additional details, explore our comprehensive resource titled “Forward Collision Warning Car Insurance Discount” for savings tips.
What does the lifespan of Mazda RX-8 engines mean for insurance?
The lifespan of Mazda RX-8 engines, which can significantly vary, may affect insurance premiums. Engines that have a reputation for frequent repairs or premature failures, like those in some Mazda RX-8 models, might lead to higher premiums due to increased risk of claims.
Does the top speed of the Mazda RX-8 affect its insurance?
Yes, the high top speed of the Mazda RX-8, up to 170 mph for road-going versions, categorizes it as a high-performance vehicle, which typically carries higher insurance costs due to increased risk of accidents and expensive repairs.
How do common mechanical issues with the Mazda RX-8 influence insurance?
Common issues, especially related to the Mazda RX-8’s rotary engine’s reliability, can increase insurance claims for repairs, potentially leading to higher insurance premiums for Mazda RX-8 owners.
To learn more, explore our comprehensive resource on insurance titled “Does my car insurance cover damage caused by an overheated engine?” for in-depth information.
Can improving the reliability of my Mazda RX-8 reduce my insurance costs?
Yes, enhancing the reliability of your Mazda RX-8 with regular maintenance and quality parts can reduce the likelihood of claims, possibly leading to lower insurance rates. Informing your insurer about significant improvements to your Mazda RX-8 can be beneficial.
To delve deeper, refer to our in-depth report titled “Best Car Insurance for OEM Parts Coverage” for detailed insights.
Is the rotary engine of the Mazda RX-8 a consideration for insurance companies?
The unique rotary engine of the Mazda RX-8 may be considered a specialty feature by insurance companies, potentially affecting repair costs and insurance premiums due to the specialized nature of service and parts.
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How does the Mazda RX-8’s fuel efficiency affect its insurance rates?
While the fuel efficiency of the Mazda RX-8 is relatively low, which might not directly affect insurance premiums, it can indirectly reflect on the driving habits associated with high-performance vehicles, potentially influencing rates.
For a thorough understanding, refer to our detailed analysis titled “Alternative Fuel for Cars: Past, Present & Future” for comprehensive insights.
How does the Mazda RX-8’s classification as a high-performance vehicle affect insurance rates?
Being a high-performance sports car, the Mazda RX-8 is typically associated with higher insurance rates due to the increased risk of high-speed accidents and more expensive repairs.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
