Who Has Cheap Kansas City Auto Insurance Rates for a Mazda CX-7?

Finding affordable auto insurance for a Mazda CX-7 in Missouri is dependent upon a very complex rating algorithm that uses multiple factors such as the age of the CX-7, your credit score, and your policy deductibles. Drivers in Missouri pay on average $634 a year for CX-7 insurance, but that cost is an approximation calculated based on a 50-year-old married female driver with full coverage and $500 deductibles.

The issue with using an average estimated rate is the likelihood you are not 50 and maybe not even a female, single instead of married, and you might want liability-only or different deductibles. Every driver’s needs are different, and that is why the best method for finding affordable rates for your Mazda is to do a thorough rate comparison. In just a few minutes you can get prices from some of the most affordable companies available.

Cheapest Mazda CX-7 Insurance Rates

Your Mazda’s trim level tends to impact the coverage cost, so the rate you will pay to insure a CX-7 SV 2WD will be $76 less expensive the price to insure the higher-end CX-7 Grand Touring 4WD version, as shown by the rates below.

Mazda CX-7 Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $128 $232 $250 $14 $74 $698 $58
CX-7 Sport 2WD $146 $232 $250 $14 $74 $716 $60
CX-7 Touring 2WD $146 $232 $250 $14 $74 $716 $60
CX-7 Touring 4WD $146 $274 $250 $14 $74 $758 $63
CX-7 Grand Touring 2WD $162 $274 $250 $14 $74 $774 $65
CX-7 Grand Touring 4WD $162 $274 $250 $14 $74 $774 $65
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price information does not factor in your specific Kansas City location which can influence rates substantially.

Comparing rates for reasonably-priced insurance is tough enough, and deciding which company offers the cheapest insurance rates for a Mazda CX-7 requires even more perseverance. Each insurance company uses a different method for determining prices, so we’ll go over the insurance companies with the overall cheapest rates in Missouri.

It’s a good idea to be aware that Missouri insurance rates are impacted by many things that may substantially change the policy price. Events like turning one year older, buying another vehicle, or getting a reckless driving citation can produce rate changes that can now make some companies more affordable than others.

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Missouri auto insurance company rankings
Rank Company Cost Per Year
1 USAA $662
2 The Hartford $793
3 Electric $841
4 Allied $875
5 Auto-Owners $1,027
6 Travelers $1,028
7 MO Farm Bureau $1,063
8 Nationwide $1,109
9 Farmers $1,139
10 Cameron Mutual $1,154
11 American Family $1,253
12 State Farm $1,271
13 Safe Auto $1,363
14 Safeco $1,370
15 Progressive $1,382
16 GEICO $1,392
17 MetLife $1,415
18 California Casualty $1,439
19 Shelter $1,462
20 Auto Club $1,488
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USAA quotes some of the cheapest car insurance rates in Kansas City at around $662 per year. The Hartford, Electric, Allied, and Auto-Owners would also be considered some of the best Kansas City, MO insurance companies.

As shown in the table above, if you are insured with Electric and switched to USAA, you might achieve an annual premium reduction of around $179. Insureds with Allied may save as much as $213 a year, and Auto-Owners insureds might cut rates by $365 a year.

Bear in mind that those premium estimates are averaged across all insureds and vehicles and do not take into consideration a vehicle location for a Mazda CX-7. So the insurer that has the lowest price for you may not even be in the top 23 companies in the list above. That’s why you need to compare as many prices as possible using your own individual information.

Discounts on Kansas City auto insurance rates

Discounts on insurance for a Mazda CX-7Insurance companies that offer cheap quotes for a Mazda CX-7 may also offer premium discounts that can reduce rates by 40% or more if you can meet the requirements. A list of companies and a selection of discounts are:

The example below shows the comparison of premium costs with and without discounts applied to the rates. The premiums assume a female driver, no accidents, no driving violations, Missouri state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple policy, accident-free, marriage, homeowner, claim-free, and anti-theft discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for a Mazda CX-7 is 28% or $380.

Your low-price policy may be costing you money

Kansas City, MO insurance rates are calculated based on many things that will increase or decrease the price you pay. Simply having a birthday, buying higher coverage limits, or having an at-fault accident can produce rate changes resulting in some rates now being cheaper in comparison to the competition.

Not only may your situation change, but auto insurance companies modify pricing multiple times each year to ensure their profitability. Higher than normal claim frequency or severity can result in a rate increase, while a better claims history may result in cheaper CX-7 insurance rates.

For instance, the bar chart below shows the cheapest car insurance in Kansas City, MO for a 35-year-old male driver with a good driving record, no prior claims, and a good credit rating. When comparing rates based on his personal profile, USAA might offer the cheapest car insurance rates in Kansas City at $777 per year. This is $485 less than the average price paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are the remaining best Kansas City, MO auto insurance companies.

Now we will pretend the driver from the first example an accident claim, bad credit, and a traffic ticket or two. Since every insurance provider has a proprietary method for filing rates in each state, comparing rates may now show a substantially altered list of companies as shown below.

MO Farm Bureau now has the lowest car insurance rate in Kansas City with The Hartford, Farmers, Nationwide, and Electric now being in the top five. This demonstrates why Kansas City drivers need to compare as many rates as possible when trying to get the best auto insurance quotes for a Mazda CX-7. Insurance prices are impacted by many different factors and can change without notice, so the best price the last time you compared rates may now be one of the more expensive options.