Who Has the Cheapest Car Insurance for a Mazda CX-7 in San Antonio?

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Buying the best cheap coverage for a Mazda CX-7 in Texas is fairly simple, but it is dependent upon a fairly complex equation with a lot of factors such as the safety rating for your CX-7, if you have a tendency to file claims, and citations on your driving record. Drivers pay approximately $1,379 each year for CX-7 insurance, but that figure is an approximation using a 40-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.

When making auto insurance estimates, the issue arises that you are not 40 years old and maybe not even female, possibly married instead of single, or maybe you rent instead of own your home. The different assumptions illustrate why the best method for finding the cheapest insurance price for your Mazda is to do the rate comparisons yourself. Quotes only take a few minutes and you will be able to compare rates from some of the most affordable companies that offer coverage in Texas.

Compare Mazda CX-7 Insurance Rates

The trim level of your Mazda has an effect on the cost of insurance, so the price you will pay to insure a CX-7 SV 2WD trim level will cost $174 less than the cost to insure the more expensive CX-7 Grand Touring 4WD version, as shown below.

Mazda CX-7 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $282 $560 $496 $30 $148 $1,516 $126
CX-7 Sport 2WD $318 $560 $496 $30 $148 $1,552 $129
CX-7 Touring 2WD $318 $560 $496 $30 $148 $1,552 $129
CX-7 Touring 4WD $318 $660 $496 $30 $148 $1,652 $138
CX-7 Grand Touring 2WD $356 $660 $496 $30 $148 $1,690 $141
CX-7 Grand Touring 4WD $356 $660 $496 $30 $148 $1,690 $141
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can modify prices considerably.

Best auto insurance in San Antonio

Choosing the highest-rated insurer can be rather challenging considering how many different companies insure vehicles in Texas. The ranking information shown below could help you analyze which coverage providers to look at comparing price quotes from. These ratings only include companies with a national presence, so companies that only write business in Texas or surrounding areas are not included in the list.

Top Ten Auto Insurance Companies for a Mazda CX-7 in San Antonio, TX
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

Comparison of full coverage and liability-only policies

Buying cheaper auto insurance is probably important to the majority of drivers, and one of the quickest ways to buy cheap insurance for a Mazda CX-7 is to not pay for full coverage. The illustration below illustrates the difference between auto insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no accidents or driving violations, $100 deductibles, drivers are not married, and no discounts are applied.

On average, physical damage coverage costs an additional $2,837 per year more than buying just liability insurance. That brings up the question if paying for full coverage is worth it. There is no set rule to eliminate full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

There are some circumstances where dropping physical damage coverage is not a good idea. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Compare quotes and save

San Antonio, TX auto insurance rates are calculated based on many things which can significantly increase or decrease the price you pay for coverage. Simply improving your credit, moving to a new city, or getting a driving violation can produce rate changes that may make certain companies more affordable than the competition. Not only that, but car insurance companies amend premium rates without warning to ensure their profitability. Higher than normal claim frequency or severity may cause rate increases, while a profitable period may result in lower-priced CX-7 insurance rates.

For instance, the chart below shows which company has the cheapest car insurance in San Antonio, TX for a 40-year-old male driver with a good driving record, no prior claims, and a good credit history. If we compare prices based on his current rating profile, Travelers quotes the cheapest car insurance rates in San Antonio at $1,158 each year. This is $746 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the most affordable San Antonio, TX auto insurance companies.

The example below compares rates after we give the driver from the first example a claim surcharge, bad credit, and a few traffic violations. Because each insurer has a different formula for establishing rates, getting updated rate quotes may now result in a significantly different list of the cheapest car insurance companies in San Antonio as shown below.

Mercury now has the lowest price on auto insurance in San Antonio with State Farm, Nationwide, Safe Auto, and USAA now being in the top five. This example shows why San Antonio drivers need to perform an extensive rate comparison to get cheap auto insurance rates for a Mazda CX-7.

Insurance rates are made up of many risk factors and can change without notice, so the most economical company the last time you compared rates may now be one of the higher cost companies.