Who Has the Cheapest Car Insurance Quotes for Drivers Over Age 50 in Scottsdale?

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.

How much does auto insurance cost in Scottsdale?
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.

Find Cheaper Auto Insurance for Age 50+

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Arizona car insurance ranked by cost per year
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.

Cheapest Vehicles to Insure in Scottsdale, AZ
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

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. 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

Cheaper Scottsdale, AZ auto insurance for older driversAuto 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.

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 RdScottsdale, AZ 85255(480) 712-0400

JVP Insurance Agency
10025 E Dynamite BlvdScottsdale, AZ 85262(480) 473-3100

American Family Insurance – Denis Zdrale
7001 N Scottsdale Rd #1045Paradise Valley, AZ 85253(480) 951-0115

Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10Scottsdale, AZ 85255(480) 860-6453

Roz Bankston – State Farm Insurance Agent
6900 E Camelback Rd #820Scottsdale, AZ 85251(480) 897-6500

Find a Scottsdale, AZ insurance agent near you