Finding economical coverage for a Mazda CX-7 is pretty simple for most people to do, but it depends on many factors such as how you use your vehicle, if you have a tendency to file claims, and citations on your driving record. Drivers pay approximately $1,531 each year to insure their CX-7, but that figure is an approximation calculated based on a 30-year-old single female driver with full physical damage coverage and $500 deductibles.
The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 30 years old or even a female, maybe you are married instead of single, or maybe you rent instead of own your home. Even a slight change in rating criteria can make a big difference in how much insurance for a Mazda CX-7 costs.
Auto insurance is unique to each driver, so the best way to find cheap insurance prices for your Mazda is to do the rate comparisons yourself.
Cheapest Mazda CX-7 Insurance Rates
The trim level of your vehicle tends to impact the insurance rate, so the price you will pay to insure a CX-7 SV 2WD model will cost $182 less than the price to insure the high end CX-7 Grand Touring 4WD trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $308 | $570 | $596 | $36 | $178 | $1,688 | $141 |
| CX-7 Sport 2WD | $348 | $570 | $596 | $36 | $178 | $1,728 | $144 |
| CX-7 Touring 2WD | $348 | $570 | $596 | $36 | $178 | $1,728 | $144 |
| CX-7 Touring 4WD | $348 | $672 | $596 | $36 | $178 | $1,830 | $153 |
| CX-7 Grand Touring 2WD | $388 | $672 | $596 | $36 | $178 | $1,870 | $156 |
| CX-7 Grand Touring 4WD | $388 | $672 | $596 | $36 | $178 | $1,870 | $156 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in garaging location in Bakersfield which can revise premium rates greatly.
Deciding which companies have the best car insurance rates for a Mazda CX-7 involves a tad more effort than just comparing a company or two. Every insurance company has their own formula to establish rates, so we’ll take a look at the car insurance companies with the overall cheapest rates in Bakersfield.
Find Cheaper Auto Insurance for Your CX-7
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,186 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,497 |
| 10 | GEICO | $1,529 |
| 11 | Mercury | $1,533 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | State Farm | $1,699 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
| Get a Custom Quote Go | ||
USAA normally has some of the best car insurance rates in Bakersfield at around $1,155 each year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also some of the cheaper Bakersfield, CA insurance companies.
As shown in the rates above, if you are a customer of Wawanesa and switched to USAA, you could earn yearly savings of upwards of $2. Drivers with CSAA may save as much as $31 a year, and Nationwide insureds might realize rate reductions of up to $71 a year.
To get a quick, customized rate comparison, click here to get a free quote or quote prices from the following companies.
Remember that these policy prices are averages for all ages of drivers and types of vehicles and are not factoring in a specific location for a Mazda CX-7. So the auto insurance company that is best suited for you may not even be in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
The example below demonstrates how deductible levels can affect annual premium costs when getting quotes for cheap insurance for a Mazda CX-7. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are factored in.
The chart above illustrates that a 40-year-old driver could cut expenses by $490 a year by changing from a $100 deductible to a $500 deductible, or save $736 by using a $1,000 deductible. Young drivers, such as the 20-year-old chart data, can cut as much as $1,246 every year by using higher deductibles when buying full coverage. When choosing a higher deductible, it’s a good idea to have enough savings set aside to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Discount Bakersfield auto insurance rates
Insurance companies that provide coverage for a Mazda CX-7 may have rate discounts that could lower prices by 40% or more if you qualify. A list of companies and their possible discounts are detailed below.
- 21st Century offers discounts including 55 and older, early bird, theft prevention, teen driver, and defensive driver.
- State Farm may offer discounts for passive restraint, safe vehicle, Drive Safe & Save, good student, and multiple autos.
- AAA offers premium reductions for education and occupation, good student, multi-car, good driver, pay-in-full, AAA membership discount, and anti-theft.
- Liberty Mutual may include discounts for teen driver discount, new graduate, newly married, new vehicle discount, safety features, and newly retired.
- Progressive offers discounts for online quote discount, continuous coverage, online signing, multi-policy, good student, multi-vehicle, and homeowner.
The example below illustrates the comparison of auto insurance costs with and without discounts being applied to the rates. Data assumes a female driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, homeowner, vehicle safety, claim-free, safe-driver, and anti-theft discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for a Mazda CX-7 is 28% or $801.
Illustration showing the impact of accidents and violations
In a perfect world, the ideal way to snag cheap car insurance rates in Bakersfield for a CX-7 is to be a careful driver and avoid at-fault accidents and violations. The information below illustrates how traffic citations and accidents influence yearly insurance costs for different insured age categories. The price estimates are based on a married male driver, full coverage, $100 deductibles, and no discounts are factored in.
In the prior example, the average cost of an auto insurance policy in California per year with no violations or accidents is $2,615. Get written up for one speeding ticket and the average cost increases to $3,000, an increase of $385 each year. Now add in two accidents along with the one speeding ticket and the annual cost of car insurance for a Mazda CX-7 goes up to an average of $6,199. That’s an increase of $3,584, or $299 per month, just for a couple of infractions!