About $1,980 a year for full coverage on a national average — 38% more than the $1,438 average car. Insurers rate the Mazda RX-8 at an index of 138 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2009-2011).
The premium isn't spread evenly across the Mazda RX-8: Collision — damage to your own car in a crash — carries its highest loss index at 163, while Property damage sits at 97. Those 66 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2005 RX-8 sells for a median $3,500, so a year of cover costs 56.6% of the car's value. Over 6 generations of data the index has climbed from 125 (2004-2006) to 138 (2009-2011). Calculated from 6 insurance-loss records and live US listing prices.
Why a RX-8 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,980: Liability (BI + PD) $950 · Collision $554 · Comprehensive $238 · Other (UM / PIP) $238.
How it changed by generation
Insurance-loss index of the RX-8 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The RX-8 has become more expensive to insure over time (+13 points).
What a RX-8 costs by state
Where you park matters as much as what you drive. The RX-8's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | RX-8 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Mazda RX-8's loss index of 138 — your own quote also depends on age, record, deductible and ZIP.
Mazda RX-8 insurance — frequently asked
How much is insurance for a Mazda RX-8?
About $1,980 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 138 applied to the US average premium.
Why is the RX-8 expensive or cheap to insure?
For the Mazda RX-8 the costliest area is Collision at an index of 163, covering damage to your own car in a crash — against 97 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Mazda RX-8 lands at 138, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 56.6% of what a 2005 RX-8 sells for — $1,980 against a median price of $3,500. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 56.6% the RX-8 sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same RX-8 can differ by hundreds between two drivers.
How we work this out
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