Finding out which insurers offer the best insurance rates for drivers over age 70 may require a little more effort than just comparing a company or two. Every insurance provider has a proprietary method for setting rates, so let’s take a look at the insurance companies with the overall best prices in Scottsdale, AZ.
It’s important that readers know that Scottsdale, AZ insurance rates are influenced by many factors that can increase the price you pay for coverage. Simply getting older, moving to a new city, or having an accident can produce rate changes resulting in some rates now being cheaper than competitors.
Find Cheaper Car Insurance for Age 70+
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,091 |
| 5 | Travelers | $1,119 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,164 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,336 |
| 14 | State Farm | $1,337 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,429 |
| 18 | American Family | $1,435 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,567 |
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The Hartford has some of the best car insurance rates in Scottsdale at around $845 a year. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the more affordable Scottsdale, AZ auto insurance companies.
As depicted above, if you are a policyholder with Auto-Owners and switched to The Hartford, you could see yearly savings of around $43. Insureds with Safeco might save as much as $78 a year, and USAA customers might reduce prices by as much as $246 a year.
To see if your current coverage is too expensive, click here to start a quote or feel free to get quotes from the companies below.
It’s important to note that these prices are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific location for drivers over age 70. So the auto insurance company that has the cheapest rates for you may not even be in the top 28 companies shown above. That is why you need to quote rates from many companies using your own driver data and vehicle information.
The vehicle to be insured is probably the most important factor that determines the availability of cheap auto insurance for drivers over age 70. Vehicles with high performance engines, a lack of modern safety features, or high incidents of liability claims will cost significantly more to insure than more economical and safe models. The information below presents car insurance rates for some of the cheapest automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,553 |
| Ford Escape XLT 4WD | $1,580 |
| Honda CR-V EX-L 2WD | $1,589 |
| Ford F-150 XL Regular Cab 2WD | $1,619 |
| Toyota Prius | $1,707 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,717 |
| Jeep Grand Cherokee Laredo 4WD | $1,845 |
| Toyota Camry LE | $1,851 |
| Toyota RAV4 4WD | $1,845 |
| Dodge Grand Caravan Hero | $1,851 |
| Chevrolet Equinox LT AWD | $1,845 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,851 |
| Ford Explorer Eddie Bauer AWD | $1,871 |
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Table data represents single female driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in garaging location in Scottsdale, AZ which can raise or lower prices substantially.
Looking at the rates, you can conclude that makes and models like the Honda Accord, Ford Escape, and Honda CR-V will definitely be a few of the cheapest vehicles to insure for older drivers. The cost of auto insurance will tend to be higher just due to the fact that there is more inherent risk for drivers over age 70, but overall those vehicles will probably have the best insurance prices that you are likely to find.
For older drivers, one of the more important components that are used to help calculate the cost of insurance is where you normally keep your vehicle. Regions with more people or even just more weather-related claims tend to pay more, whereas areas with lower crime rates and fewer weather claims profit from lower rates.
The illustration below sorts the most expensive places in Arizona for drivers over age 70 to purchase car insurance in. Scottsdale is ranked #5 having an annual price of $1,163 for coverage, which is approximately $97 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Avondale | $1,210 |
| 3 | San Tan Valley | $1,196 |
| 4 | Glendale | $1,178 |
| 5 | Scottsdale | $1,163 |
| 6 | Gilbert | $1,154 |
| 7 | Peoria | $1,137 |
| 8 | Mesa | $1,125 |
| 9 | Buckeye | $1,122 |
| 10 | Goodyear | $1,120 |
| 11 | Tempe | $1,118 |
| 12 | Maricopa | $1,118 |
| 13 | Surprise | $1,090 |
| 14 | Chandler | $1,082 |
| 15 | Casas Adobes | $1,072 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Oro Valley | $1,062 |
| 18 | Tucson | $1,061 |
| 19 | Casa Grande | $1,047 |
| 20 | Yuma | $992 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $914 |
| 23 | Bullhead City | $896 |
| 24 | Lake Havasu City | $878 |
| 25 | Sierra Vista | $872 |
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Premium costs are estimated as the specific zip code location can alter prices considerably.
Types of discounts on Scottsdale insurance
Insurance companies that offer cheap quotes for drivers over age 70 may also provide premium discounts that can reduce rates by 25% or more if you meet the requirements. Popular insurance companies and some of the discounts are detailed below.
- 21st Century offers discounts for automatic seat belts, theft prevention, air bags, defensive driver, and good student.
- Progressive policyholders can earn discounts including multi-policy, homeowner, online quote discount, good student, and continuous coverage.
- State Farm offers discounts including student away at school, anti-theft, multiple policy, passive restraint, and defensive driving training.
- Nationwide may have discounts that include multi-policy, anti-theft, Farm Bureau membership, business or organization, and accident-free.
- Esurance may include discounts for online quote, defensive driver, online shopper, DriveSense, and good student.
- The Hartford has discounts for anti-theft, bundle, vehicle fuel type, air bag, and defensive driver.
The example below compares yearly insurance costs with and without policy discounts. The rate quotes are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, passive restraint, defensive driving course, claim-free, marriage, and anti-theft discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for drivers over age 70 is 28% or $449.
Illustration showing the impact of accidents and violations
In a perfect world, the best way to receive cheap insurance rates in Scottsdale for older drivers is to drive cautiously and not receive tickets or have accidents. The diagram below demonstrates how citations and fender-benders can raise insurance costs for different categories of driver ages. The premium estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of car insurance per year with no violations or accidents is $1,919. Factor in two speeding tickets and the average cost hikes up to $2,535, an increase of $617 each year. Now get one accident along with the two speeding tickets and the 12-month cost of insurance for drivers over age 70 goes up to an average of $3,162. That’s an increase of $1,243, or $104 per month, just for not being more responsible behind the wheel!
Chances are good that you’re overpaying for Scottsdale car insurance
Scottsdale insurance rates are calculated based on many things which can substantially decrease or increase the cost of having a policy. Improving your credit score, becoming a homeowner, or getting a speeding ticket may generate price changes resulting in some rates now being cheaper than others.
Also, auto insurance companies change the rates they charge in Arizona multiple times each year to adjust for heavy claims or excess profits. Larger than normal claims can cause higher priced premiums, while lower claims can result in lower-priced Scottsdale car insurance rates.
To illustrate this point, the graph below demonstrates which company has the cheapest car insurance in Scottsdale, AZ for a 30-year-old male driver with a clear driving record, no claims, and a good credit history. If we look at prices based on his current situation, The Hartford has the most affordable car insurance rates in Scottsdale at $1,119 annually. This is $309 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers round out the rest of the cheapest Scottsdale, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver from above a claim surcharge, a lower credit score, and a couple of points charged on his driving record. Since each auto insurer has a unique formula for determining prices, comparing rates may result in a different ranking of affordable Scottsdale car insurance companies as shown below.
GEICO now has the lowest price in Scottsdale, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also having competitive pricing. This illustrates why it is crucial to shop around with many companies to get affordable insurance quotes for drivers over age 70. Auto insurance prices are impacted by many factors and can increase or decrease at any time, so the best company when you bought your policy may now not even be in the top five.
How to find cheaper insurance for drivers over age 70
It is possible to find better rates, and here are some of the better money-saving suggestions that can help Scottsdale drivers locate cheap auto insurance.
- Maintain a safe distance and avoid accidents
- Bundle home and auto and earn a discount
- Don’t have frequent claims
- Safe vehicles generally have lower rates
- Speeding tickets and other violations increase rates
- Ensure you have the best deal by shopping around regularly
The last tip is remarkably critical, as was emphasized in this article. Coverage rates in Scottsdale change a lot, so don’t be afraid to change to a new company if a better rate can be found.
Having brand loyalty is commendable, but is isn’t recommended if that inflexibility results in costing you several hundred dollars every year. Take a few minutes and shop around and find cheaper car insurance for drivers over age 70.
If you aren’t sure which coverage you need and prefer to get some help when shopping for the best coverage for older drivers, the agencies below can answer your questions and help you decide which auto insurance coverages would be the best in your situation. To locate an agency using an interactive map, click the button link following the list.
- Scottsdale Insurance Home
20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400 - Brenda Wix – State Farm Insurance Agent
6401 E Thomas Rd Suite 102 – Scottsdale, AZ 85251 – (480) 994-9200 - State Farm: Jeremy Mueller
23341 N Pima Rd D139, Scottsdale 85255 – 23341 N Pima Rd D139, AZ 85255 – (480) 515-5223 - Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 - Palomino Insurance Agency
8889 E Bell Rd – Scottsdale, AZ 85260 – (480) 483-8000