The Mazda RX-8 is a sports car that first debuted in the U.S. in 2001. Though Mazda officially discontinued the RX-8 after the 2012 model, it remains a popular choice among sports car enthusiasts. If you still drive a Mazda RX-8, it needs to be protected with the right car insurance.
When it's time to find the best Mazda RX-8 insurance, an independent insurance agent can assist you. These agents know where to get the right Mazda insurance at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure a Mazda RX-8 by model year and top-rated insurance company in 2026.
Key Takeaways - Mazda RX-8 Car Insurance
Mazda RX-8 insurance costs an average of $1,860 per year, or approximately $155 per month, for full coverage in 2026.
USAA, Erie, and American Family are the cheapest carriers for model-year 2011 Mazda RX-8 insurance this year.
The Mazda RX-8's average monthly insurance cost of $155 is significantly lower than the $245 average for all coupes.
Your age, location, driving history, and credit can also affect the cost of your Mazda RX-8 insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Mazda RX-8 model.
What Is Mazda RX-8 Insurance?
Mazda RX-8 insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a sports car, the RX-8 may require additional coverage beyond that needed by standard sedans. However, the RX-8's average car insurance rates trend cheaper than those for similar coupes.
Recommended coverage options for Mazda RX-8 drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Add-on coverage options worth considering for a Mazda RX-8:
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Mazda warranty insurance: This can extend Mazda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Mazda parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Mazda vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Working with a local independent insurance agent is a great way to get set up with all the required Mazda RX-8 insurance in your state.
How Much Does Mazda RX-8 Insurance Cost?
The average cost of car insurance for a Mazda RX-8 is $1,860 per year, or approximately $155 per month, for full coverage. However, several factors can influence the cost of Mazda insurance, including:
- The specific type of RX-8 you drive
- Annual mileage
- Vehicle safety features
- Your driving history
- The types and amount of coverage you need
- Your location
- Your credit score (where allowed)
- Your claims history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Mazda RX-8 full coverage insurance or a basic Mazda RX-8 liability insurance policy.
Is the Mazda RX-8 Expensive to Insure?
No, the Mazda RX-8 isn't expensive to insure when compared to other Mazda vehicles and other coupes. The table below compares the RX-8's average monthly auto insurance rates to those of other Mazdas and all coupes.
| Vehicle | Average Monthly Cost of Full Coverage |
| Mazda RX-8 | $155 |
| All Mazdas | $160 |
| All Coupes | $245 |
Cheapest Mazda RX-8 Car Insurance Companies for 2026
You can find affordable, yet quality Mazda RX-8 insurance from many different insurers. These top-rated Mazda car insurance companies provide the cheapest model-year 2011 Mazda RX-8 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,299 |
| Erie | $1,458 |
| American Family | $1,591 |
| Progressive | $1,732 |
| Nationwide | $1,898 |
| Allstate | $3,232 |
Mazda RX-8 Car Insurance Rates by State
Your location is one of the main factors that influences car insurance premiums. Some states have much higher Mazda RX-8 insurance rates than others. A local independent insurance agent can help you find the cheapest Mazda RX-8 car insurance in your area.
Average Mazda RX-8 Insurance Rates by Driver Age
A driver's age also has a significant impact on their auto insurance premiums. Young drivers, especially teens, are likely to pay the most by far for Mazda RX-8 insurance. Car insurance rates tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Work with an independent insurance agent to find the most affordable Mazda RX-8 auto insurance for drivers in your age group.
Best Mazda RX-8 Insurance Discounts: How to Lower Your Mazda RX-8 Insurance Premiums
There are several easy ways you can potentially lower the cost of your Mazda RX-8 insurance. Just follow any of these tips:
- Ask about telematics programs: Your insurance company or Mazda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Mazda RX-8 insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Compare quotes from multiple carriers: Comparing Mazda RX-8 insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Mazda RX-8 insurance from a trusted carrier near you.
Working with a local independent insurance agent gives you the greatest chance of getting matched to the most affordable Mazda RX-8 auto insurance policy to begin with. Additionally, these agents can recommend additional strategies to potentially lower your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Mazda RX-8 Insurance Quotes
When it's time to find the most affordable Mazda RX-8 insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Mazda RX-8 insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Mazda RX-8 Insurance
How much does Mazda RX-8 insurance cost per year?
The average cost of full coverage for a Mazda RX-8 is $1,860 per year, or approximately $155 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Mazda RX-8 insurance premiums?
If you've filed car insurance claims in the past, have any existing accidents or traffic violations on your record, have poor credit, or live in a high-theft rate area, you'll likely experience much higher Mazda RX-8 insurance premiums.
Is the Mazda RX-8 expensive to insure?
No, the Mazda RX-8 isn't expensive to insure on average. A full-coverage six-month policy is only $930.
What are the best and cheapest carriers for Mazda RX-8 insurance in 2026?
We found that USAA, Erie, and American Family are the best and cheapest car insurance companies for model-year 2011 Mazda RX-8 insurance this year.
Is insurance cheaper for the Mazda RX-8 than for other coupes?
Yes, the Mazda RX-8's average monthly insurance rate of $155 is considerably lower than the $245 average for all coupes.
How can I get cheaper Mazda RX-8 insurance?
Finding cheaper Mazda RX-8 insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.thezebra.com/auto-insurance/vehicles/mazda/rx-8/
https://www.insuranceopedia.com/auto-insurance/mazda-cx-5-car-insurance