Finding the best cheap auto insurance for a Mazda CX-7 is usually pretty straightforward, but it hinges on lots of different factors such as the age of the CX-7, the likelihood of vehicle theft, and any driving offenses on your record. Drivers pay around $698 annually to insure their CX-7, but that figure is a valuation based upon a 50-year-old married male driver with full physical damage coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you are not 50 years old and maybe not even male, possibly single instead of married, and maybe your CX-7 is older and does not require full coverage. Having just a slight change in rating variables or coverage information may result in significant differences in how much coverage for a Mazda CX-7 costs.
This example demonstrates why the only way to find the cheapest coverage for your Mazda is to compare as many rates as you can.
The trim level of your Mazda impacts the cost of coverage, so the cost to insure a CX-7 SV 2WD model will be $70 lower than the price to insure the fancier CX-7 Grand Touring 4WD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $122 | $228 | $314 | $18 | $94 | $776 | $65 |
| CX-7 Sport 2WD | $138 | $228 | $314 | $18 | $94 | $792 | $66 |
| CX-7 Touring 2WD | $138 | $228 | $314 | $18 | $94 | $792 | $66 |
| CX-7 Touring 4WD | $138 | $268 | $314 | $18 | $94 | $832 | $69 |
| CX-7 Grand Touring 2WD | $152 | $268 | $314 | $18 | $94 | $846 | $71 |
| CX-7 Grand Touring 4WD | $152 | $268 | $314 | $18 | $94 | $846 | $71 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can influence premium rates substantially.
Buying coverage from a highly-rated auto insurance provider can be rather challenging considering how many companies sell coverage in Lexington. The company rank data in the lists below may help you pick which car insurance providers you want to consider when comparing auto insurance rates for a Mazda CX-7.
The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies will not be included in the list. If you wish to compare prices and find cheaper insurance for a Mazda CX-7, click here.
Top 10 Major Auto Insurers Overall in Lexington
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
Get discount Lexington auto insurance rates
Insurance companies that provide coverage for a Mazda CX-7 may provide discounts that can reduce rates by 35% or more if you meet specific eligibility requirements. A list of companies and some of the discounts can be read below.
- American Family has discounts for mySafetyValet, early bird, multi-vehicle, bundled insurance, TimeAway discount, and defensive driver.
- State Farm includes discounts for multiple autos, defensive driving training, multiple policy, passive restraint, good student, Drive Safe & Save, and good driver.
- 21st Century offers premium reductions for air bags, teen driver, anti-lock brakes, early bird, automatic seat belts, and theft prevention.
- Travelers offers discounts for hybrid/electric vehicle, home ownership, driver training, payment discounts, early quote, and student away at school.
- GEICO may offer discounts for federal employee, seat belt use, membership and employees, driver training, five-year accident-free, military active duty, and defensive driver.
The diagram below compares insurance prices with and without discounts applied to the policy rates. The premiums assume a male driver, no accidents, no driving violations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, claim-free, marriage, safe-driver, defensive driving course, and homeowner discounts applied. When discounts are applied, the average savings per year on auto insurance for a Mazda CX-7 is 28% or $683.
Rate comparison of full coverage and liability-only
Paying less for auto insurance is the goal of the majority of people, and a good way to pay lower rates for insurance for a Mazda CX-7 is to buy only liability coverage. The chart below illustrates the difference between insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Kentucky. The premium estimates are based on no claims or violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
If we average the cost for ages 20 through 70, physical damage coverage on your policy costs an additional $2,255 per year more than insuring for liability only. Many drivers will wonder if physical damage coverage is worth the money. There is no written rule to exclude physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
If you would rather have a professional recommendation when trying to find lower insurance rates for a CX-7, the insurance agencies below can probably help you decide which insurance coverage will be best for you. To find a Lexington insurance agency closest to you, click the button below the list.
Kentucky Insurance Group-Joe Downs
989 Governors Ln – Lexington, KY 40513 – (859) 277-8877
Dwight McCarty – State Farm Insurance Agent
3620 Walden Dr #211 – Lexington, KY 40517 – (859) 971-0266
Heritage Insurance Agency
3306 Clays Mill Rd #106 – Lexington, KY 40503 – (859) 219-1122
More Lexington, KY insurance agents
How to find low-cost auto insurance for a Mazda CX-7
The list below summarizes some of the recommended penny-pinching suggestions that can help you get more affordable auto insurance.
- Avoid accidents and claims
- Assess whether full coverage is needed
- Drive safely
- Claim-free policyholders usually earn a discount
- Increase deductibles to save money
- Compare prices as often as possible
That last tip is particularly crucial, as was emphasized in this piece. Insurance rates adjust frequently, so drivers shouldn’t hesitate to switch to a new company if you can find a cheaper rate.
We understand brand loyalty, but we do not recommend it if that devotion results in you overpaying hundreds every year. Take a few minutes and shop around and find cheaper auto insurance for a Mazda CX-7 in Lexington.