Mazda CX-7 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Mazda CX-7 costs less than most other SUVs to insure.
• Full coverage for a CX-7 usually tends to be about $145 a month, while liability only insurance prices tend to be around $85.
• AnchorGeneral is the most affordable auto insurance carrier for a CX-7.

CX-7 Overview

With base prices starting at just $22,190 for 2012 models, the Mazda CX-7 is a great budget-friendly SUV for drivers of all types. Even more exciting than being on the affordable end of the spectrum when it comes to overall price point, it's also a smart choice for your budget when you consider your future car insurance premiums.

After analyzing thousands of insurance quotes through Compare.com, we've found that average Mazda CX-7 auto insurance rates run about $121 monthly. But how does that compare to other similar SUVs on the market?

How Much is Car Insurance for a Mazda CX-7?

If you look at the table above, you'll find that Mazda CX-7 insurance premiums are more affordable than average. CX-7 drivers can expect to pay around $145 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $85 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Comparing it to other models, the CX-7 is slightly cheaper, with prices about 9% lower than Mazda's other vehicle offerings. But compared to other vehicles of a similar body style, CX-7 coverage runs close to average, with full coverage insurance rates $6 cheaper than other SUVs and liability insurance prices coming in at $5 higher.

When compared to all vehicles of any body type, liability only rates are slightly more expensive for the CX-7, but a full coverage policy is on the more affordable side.

Who has the Cheapest Car Insurance for a Mazda CX-7?

Browsing for a car insurance policy for your Mazda CX-7? You're likely wondering which company offers the lowest rates. While there will never be one carrier that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $27 a month from Oasis. The runner up for cheapest rates is Ohio Mutual, with car insurance policies starting as low as $28 per month.

The third, fourth, and fifth companies on the list are NationalGeneral, CaliforniaCasualty, and Dashers. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, auto insurance companies look at a wide array of different factors when calculating premiums, so your results might be different. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from a variety of car insurance carriers.

What Factors Affect Car Insurance Rates for a Mazda CX-7?

There are many variables that insurance companies examine to decide how much they charge you for car insurance -- and every company uses a different formula, so there's not a singular carrier that's the cheapest for each driver.

The following sections show a multitude of variables auto insurance carriers use to choose rates:

Vehicle Age

The Mazda CX-7 has been around for a while, so vehicle age will likely play a role in what you end up paying for insurance. Usually, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the CX-7. However, as you can see in the table above, the most expensive Mazda CX-7s to insure are those that are 15 years old or more, while the cheapest models are CX-7s that are 2 to 3 years old, on average.

Your Age

Your age is another variable that plays a significant role in how much you pay for auto insurance. In the table above, you'll see that young drivers have cheaper premiums than drivers who have more experience on the road.

Car insurance prices continue to go lower as you get older, with the cheapest age group being 65 years and older for CX-7 drivers.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they are less likely to file a claim with insurance. So, women tend to pay less for insurance than men. When it comes to CX-7 drivers specifically, women pay around $15 less than men a month for car insurance.

Where You Live

It may be obvious that things such as how old you are and what vehicle you drive play a role in your auto insurance prices, but you may not realize that where you live can be equally important. Insurance is regulated on a state-by-state basis, so rates can differ quite a bit depending on which state you call home.

For example, the average Mazda CX-7 owner from New York pays about $238 monthly for liability coverage. Meanwhile, on average, the same Californian driver will pay only 25% of that price. The chart above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

Mazda CX-7 Car Insurance Discounts

Whatever your age, your home state, or your car, using as many discounts as possible when it comes to your insurance is always the smart move when shopping around for a policy.

Not every car insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Multi-car discounts for having several vehicles on your auto policy
• Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)

While discounts are always a good way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

You obviously can't control every single aspect of your auto insurance profile (like some of the factors we mentioned above), but there is quite a bit that you do have control over. Below are just a few of the ones you can use in your favor in order to save on car insurance:

Your Driving Record

You've almost certainly seen ads from insurance companies posting hefty discounts for responsible drivers. It checks out that your car insurance premiums will go higher if you get speeding tickets or get into a collision. But exactly how much can these infractions cost you?

As you can see from the table above, accidents will usually cost CX-7 drivers more than tickets, but both will result in higher than average rates. Mazda CX-7 drivers with one ticket will pay about $89 per month, while drivers with a single accident on their record pay an average of $93 each month (up $8 from the $85/mo. overall average). The rates only get higher the more tickets you get or collisions you have.

How Much You Drive

Another factor that affects your auto insurance prices is how much you drive. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll normally end up spending less on insurance. In the table above, you can see that Mazda CX-7 owners who drive fewer than 2,500 miles a year pay an average of $75 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $84.

But if you don't use your Mazda CX-7 to travel or commute regularly, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Mazda CX-7s Compare to Other Vehicles?

If you're considering buying a new SUV and a Mazda CX-7 is on your shortlist, it can pay off to do your homework. Auto insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth considering.

Review the table below to see how the Mazda CX-7 compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Mazda CX-7 is a fantastic value for any budget. While the national average vehicle price is $37,225, the CX-7 goes for just $22,190. And since it's been awhile since a new CX-7 model has been on the market, used prices will be even lower.

Similarly, car insurance premiums are lower when compared to other vehicles on the market. Full coverage insurance for a Mazda CX-7 is around $45 a month cheaper than average, while liability only coverage is $10 cheaper a month.

When it comes to usage, Mazda CX-7 owners drive about the same amount annually as the national average, with 11,617 miles per year for all vehicles compared to the CX-7's 10,798 every year.

Mazda CX-7 Car Insurance Costs by Model Year

We've gone over many of the variables that can affect how much the average driver pays for insurance. If you're thinking about buying a new vehicle and the CX-7 is one you're considering, having a good idea of exactly what you'll pay can be helpful as you consider your options.

2012 Mazda CX-7 Car Insurance

2012 CX-7 drivers can expect to pay an average of $71 per month for liability or $124 for full coverage.

If you're looking for the most affordable 2012 Mazda CX-7 insurance policy, Elephant offered the most affordable policy we found, with rates as cheap as $27 monthly.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

2011 Mazda CX-7 Car Insurance

You can expect full coverage for a 2011 Mazda CX-7 to run about $150 per month, while liability only coverage will average around $82 a month.

We found MetroMile offered the cheapest policy, with rates as low as just $19 monthly.

If you're looking for a more exact figure on what you should pay for insurance for a 2011 Mazda CX-7, you can get free quotes in minutes by just entering your ZIP code below.

2010 Mazda CX-7 Car Insurance

The average cost to insure a 2010 CX-7 with liability only coverage is $81 per month, while full coverage runs about $141 a month.

Dairyland offered the lowest policy we found, with rates as little as $23 per month.

Want to know exactly how much you'll pay? Get multiple free personalized quotes by just entering your ZIP code below.

2009 Mazda CX-7 Car Insurance

It costs around $106 monthly for liability or $155 for a full coverage policy for the 2009 Mazda CX-7.

Gainsco has prices sometimes as little as $21 a month for the 2009 Mazda CX-7.

If you want to know exactly how much you can expect to pay for your CX-7, just enter your ZIP code below and get free quotes in minutes.

2008 Mazda CX-7 Car Insurance

On average, drivers who own a 2008 CX-7 can expect to pay $84 to $135 monthly for liability only and full coverage auto insurance, respectively.

With rates sometimes as low as $21 a month, Liberty Mutual offered the cheapest policy we found.

Want to know exactly what your car insurance premium will be? Just enter your ZIP code below to get a variety of free personalized quotes.

2007 Mazda CX-7 Car Insurance

It costs about $83 per month for liability or $150 for a full coverage policy for the 2007 Mazda CX-7.

Looking for the most affordable policy? Mercury offered liability only coverage for sometimes as cheap as $19 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

Mazda CX-7 Insurance FAQs

Is a Mazda CX-7 expensive to insure?

Liability insurance runs an average of $85 a month, while full coverage will cost you around $145. When compared to the national average of all vehicles, prices come in on the cheaper end of the spectrum.

How can I get the best price on car insurance for my Mazda CX-7?

There's only one way to be sure you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from an array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Mazda CX-7 affect my insurance rates?

You might have heard the old adage that red cars cost more to insure than cars of other colors, but that's just a myth. Although there are lots of things insurance companies consider when they calculate how much you'll pay, the color of your car is not used to make that determination.

Do I need to have insurance before I buy a Mazda CX-7?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an insurance policy in place. As part of the buying process, some dealerships may offer you an auto insurance policy, but your best bet is letting your auto insurance carrier know ahead of time.

What car insurance discounts can I get for my Mazda CX-7?

You will find a bunch of discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are based less on your CX-7 and more on you, but if your CX-7 has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. The only way to know is to talk with your insurance agent and ask about their discounts.