This would be a real easy article to write if we could just tell you the one Arizona auto insurance company that has the cheapest rates in Arizona. It’s just not that simple, as there are a whole slew of unknown elements such as citations or tickets, how far you drive each year, and the likelihood of vehicle theft where you live, that all influence how much you pay for auto insurance. This article goes into detail about the best ways to pay less and also should give you a good start in finding the cheapest insurance.
One of the more important considerations that determine car insurance rates is where your car is garaged in Scottsdale. Areas with more people or more claims will most likely pay more, whereas areas with less congestion have the enjoyment of a little cheaper coverage.
The information below shows the most costly cities in Arizona for drivers over age 50 to purchase car insurance in. Scottsdale ranks #5 with an annual cost of $1,163 for the average policyholder, which is approximately $97 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Glendale | $1,214 |
| 3 | San Tan Valley | $1,196 |
| 4 | Avondale | $1,186 |
| 5 | Scottsdale | $1,163 |
| 6 | Mesa | $1,159 |
| 7 | Buckeye | $1,156 |
| 8 | Gilbert | $1,154 |
| 9 | Tempe | $1,152 |
| 10 | Goodyear | $1,131 |
| 11 | Maricopa | $1,118 |
| 12 | Tucson | $1,105 |
| 13 | Peoria | $1,104 |
| 14 | Chandler | $1,093 |
| 15 | Casas Adobes | $1,082 |
| 16 | Casa Grande | $1,079 |
| 17 | Surprise | $1,058 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $983 |
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Table data uses estimated as specific location information can modify rates significantly.
Buying affordable insurance is tough enough, and finding out which insurers offer the cheapest auto insurance rates for drivers over age 50 involves a little more work.
Every auto insurer has a unique approach to determine rates, so let’s take a look at the auto insurance companies with the most affordable rates in Scottsdale.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,177 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,233 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,323 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,429 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,522 |
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The Hartford generally has some of the cheapest car insurance rates in Scottsdale at around $811 annually. This is $617 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the lowest-priced Scottsdale, AZ insurance companies.
In the above rates, if you are currently insured with Travelers and switched to Auto-Owners, you could see a yearly savings of in the vicinity of $160. Customers with USAA might save as much as $209 a year, and Progressive policyholders might lower prices by $237 a year.
These premiums are averaged across all insureds and vehicles and do not take into consideration a specific location for drivers over age 50. So the auto insurance company that is most affordable for your situation may not even be in the top 28 companies shown above. That affirms the importance of why you need to get rate quotes using your own driver data and vehicle information.
The car, truck, or SUV to be insured is one of the primary factors that determines whether or not you find affordable auto insurance for drivers over age 50. Vehicles with high performance features, poor safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models.
The next list illustrates coverage premiums for a handful of the cheapest automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,332 |
| Honda Accord LX 4-Dr Sedan | $1,341 |
| Ford Escape XLS 4WD | $1,332 |
| Honda Odyssey LX | $1,468 |
| Toyota Prius | $1,476 |
| Ford F-150 XLT Super Cab 2WD | $1,500 |
| Toyota Tacoma 4WD | $1,506 |
| Ford Explorer XLT 4WD | $1,500 |
| Chevrolet Impala LS | $1,550 |
| Ford Focus SE 4-Dr Sedan | $1,559 |
| GMC Sierra SLE Crew Cab 2WD | $1,581 |
| Chevrolet Malibu Hybrid | $1,587 |
| Dodge Grand Caravan Hero | $1,581 |
| Toyota RAV4 Sport 2WD | $1,590 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,581 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,587 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,631 |
| Toyota Corolla LE | $1,662 |
| Toyota Camry XLE | $1,667 |
| Ford Edge Sport 2WD | $1,662 |
| Chevrolet Equinox LTZ AWD | $1,694 |
| Ford Fusion SEL 4-Dr Sedan | $1,700 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,694 |
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific location which can impact coverage prices considerably.
Based on these rates, you can infer that cars like the Honda CR-V, Honda Accord, Ford Escape, Honda Odyssey, and Toyota Prius will be the most affordable vehicles to insure for older drivers.
Choosing the top insurance company can be rather challenging considering how many choices you have in Scottsdale. The ranking data below could help you decide which providers to look at purchasing coverage from.
These ratings only include large insurance companies, so companies with more of a regional focus are not factored into these rankings. If you’d like to compare prices from these and other top-rated companies, just click here.
Top 10 Large Auto Insurance Providers in Scottsdale Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
The chart below highlights how deductible choice can influence yearly insurance costs when getting quotes for cheap insurance for drivers over age 50. The information is based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower rates by $244 a year by increasing from a $100 deductible to a $500 deductible, or save $370 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, could save $808 each year by choosing a higher deductible. If you make the decision to raise deductibles, it will be necessary to have additional savings on hand to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Discounts on Scottsdale car insurance rates
Auto insurance companies that offer quotes for drivers over age 50 could also offer rate discounts that can lower rates by 30% or more if you are eligible to receive them. Large auto insurance companies and a summarized list of policyholder discounts are detailed below.
- Farmers Insurance has discounts for alternative fuel, distant student, homeowner, pay in full, and mature driver.
- Esurance includes discounts for safety device, emergency road assistance, good student, online quote, and DriveSense.
- State Farm offers discounts for anti-theft, passive restraint, good driver, defensive driving training, and accident-free.
- GEICO may offer discounts for defensive driver, membership and employees, multi-policy, federal employee, and driver training.
- Allstate may include discounts for good payer, multi-policy, premier discount, premier plus, and teenSMART discount.
The information below visualizes the comparison of car insurance rates with and without discounts applied to the premium. The prices are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with safe-driver, defensive driving course, claim-free, multiple policy, anti-theft, and vehicle safety discounts applied. In this example, theaverage yearly reduction on auto insurance for drivers over age 50 is 30% or $680.
If you aren’t clear which coverage you need and would like to have some advice when shopping for cheaper insurance for older drivers, the agents listed below can help you determine which is the best policy. To find a Scottsdale insurance agency closest to you, click the button following the list or click here to compare prices now.
Scottsdale Insurance Home
20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400
JVP Insurance Agency
10025 E Dynamite Blvd – Scottsdale, AZ 85262 – (480) 473-3100
American Family Insurance – Denis Zdrale
7001 N Scottsdale Rd #1045 – Paradise Valley, AZ 85253 – (480) 951-0115
Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453
Roz Bankston – State Farm Insurance Agent
6900 E Camelback Rd #820 – Scottsdale, AZ 85251 – (480) 897-6500