How Much are Auto Insurance Rates for a Mazda CX-7 in Indianapolis?

Buying economical auto insurance for a Mazda CX-7 relies on a whole bunch of factors such as the safety rating of your vehicle, the condition of your credit, and any prior driving offenses. Indiana drivers will pay on average $795 per year for CX-7 insurance, but that amount is calculated based on a 40-year-old single female driver with full physical damage coverage and $1,000 deductibles.

This brings up the issue that more than likely you may not be 40 years old (or even female), married instead of single, or maybe you just want liability only instead of full coverage. Even a minor change in rating criteria could result in a significant change in the policy rate.

Each driver’s needs are different, and that demonstrates why the best way to find cheap car insurance rates for your Mazda is to do the rate comparisons yourself. In just a couple of minutes you will be able to see rates from top-rated companies that insure vehicles in Indiana.

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The trim level of your Mazda will influence the annual cost of coverage, so the price you will be charged to insure a CX-7 SV 2WD trim level will be $80 cheaper than the price to insure the fancier CX-7 Grand Touring 4WD version, as shown in the table below.

Mazda CX-7 Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $128 $260 $364 $22 $110 $884 $74
CX-7 Sport 2WD $146 $260 $364 $22 $110 $902 $75
CX-7 Touring 2WD $146 $260 $364 $22 $110 $902 $75
CX-7 Touring 4WD $146 $306 $364 $22 $110 $948 $79
CX-7 Grand Touring 2WD $162 $306 $364 $22 $110 $964 $80
CX-7 Grand Touring 4WD $162 $306 $364 $22 $110 $964 $80
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in Indianapolis location which can affect rates considerably.

Ending up with a high-quality car insurance provider is hard considering how many choices drivers have in Indianapolis. The ranking information displayed below may help you choose which auto insurers to look at when comparing insurance rates for a Mazda CX-7.

The rankings below include the largest companies in the United States, so companies with more of a regional focus are not taken into consideration for the list. To get price quotes from the insurers below and more, simply click here.

Top 15 Insurance Companies for a Mazda CX-7 in Indianapolis, IN
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
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Data Source: Best Car Insurance Companies

Impact of violations and accidents on rates

The best way to receive the best insurance premiums for a CX-7 is to drive safe and avoid accidents and traffic violations. The diagram below demonstrates how citations and at-fault fender-benders can increase annual premium costs for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

In the prior example, the average cost of car insurance in Indiana per year with no accidents and a clean driving record is $1,851. Get two speeding tickets and the average cost rises to $2,491, an increase of $640 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of insurance for a Mazda CX-7 jumps again to an average of $4,716. That’s an increase of $2,865, or $239 per month, just for not driving responsibly!

The example below shows how choosing a deductible can influence annual premium costs when quoting cheap insurance for a Mazda CX-7. The premiums are based on a married female driver, full coverage, and no discounts are applied to the premium.

A 40-year-old driver could cut expenses by $238 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $360 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, have the ability to save $590 each year just by choosing larger deductibles.

When using a larger deductible, it will be necessary to have enough spare savings to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

The importance of comparing CX-7 insurance rates

Indiana insurance rates are based on many factors that can increase the price you pay. Improving your credit rating, getting married, or having a fender bender may generate price changes that may make certain companies cheaper than before. Not only may your situation change, but car insurance companies file new Indiana auto insurance rates as needed to adjust for unexpected claims or profits. An unexpected high level of claims may cause increased policy costs, while better underwriting may result in lower-priced CX-7 insurance rates.

As an example, the data below demonstrates which company has the cheapest car insurance in Indianapolis, IN for a 40-year-old female driver with a clear driving record, no claims, and a good credit history. If we look at prices based on her personal risk profile, Travelers may have the most affordable car insurance rates in Indianapolis at $746 annually. This is $494 less than the average policy premium paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve are the rest of the most affordable Indianapolis, IN auto insurance companies.

Now we will give the driver from the first rate comparison a couple of claims, a lower credit rating, and a few blemishes on her driving record. Due to the fact that every auto insurer has their own formula for setting rates, analyzing rates may now show a completely different list of companies as shown below.

Indiana Farmers Mutual now has the lowest price in Indianapolis, IN with USAA, Auto-Owners, Utica National, and State Farm now being in the top five. This illustrates why consumers need to spend some time comparing rates when trying to get the best auto insurance rates for a Mazda CX-7. Auto insurance prices are made up of many factors and change frequently, so the best company three years ago may now be an over-priced policy.

Ideas for buying more affordable insurance for a Mazda CX-7

The list below details some of the better money-saving suggestions that can help you find more affordable coverage.

The last tip in the list is notably vital, as was discussed in the prior article. Car insurance prices can be modified anytime, so drivers shouldn’t be reluctant to change insurance companies if a cheaper rate is available.

Staying with the same car insurance company is fine, but it’s not a good idea if that dedication is costing money that could be used for better things. It only takes a couple minutes to shop around to find cheaper insurance for a Mazda CX-7 in Indianapolis.