For older drivers, one of the more important factors that are looked at to determine auto insurance rates is your address. Cities with more crime and/or more people will most likely pay more, whereas less populated areas get the luxury of paying less.
The table below sorts the most costly cities in Arizona for drivers over age 60 in which to buy car insurance. Scottsdale makes the list at #9 with an annual premium of $1,117 for the average policyholder, which is about $93 monthly.
|Rank||City||Average Per Year|
|4||San Tan Valley||$1,161|
|25||Lake Havasu City||$852|
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Prices are approximated as vehicle location can increase or decrease prices substantially.
The type of vehicle you are buying coverage for is one of the primary factors that determines the availability of the lowest-priced car insurance for drivers over age 60. Vehicles with higher performance characteristics, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than more economical and safe models.
The list below showcases car insurance rates for a number of the more affordable automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,450|
|Hyundai Elantra GLS Touring Station Wagon||$1,457|
|Ford Escape Limited 2WD||$1,480|
|Honda CR-V EX 4WD||$1,487|
|Dodge Grand Caravan SE||$1,626|
|Chevrolet Impala LS||$1,689|
|Ford Edge SEL AWD||$1,695|
|Honda Odyssey EX||$1,689|
|Chevrolet Silverado LS Regular Cab 2WD||$1,717|
|Volkswagen Jetta LE 4-Dr Sedan||$1,720|
|Toyota Camry LE||$1,725|
|Chevrolet Equinox LS AWD||$1,720|
|Toyota Tacoma Double Cab 4WD||$1,728|
|Toyota RAV4 Limited 4WD||$1,720|
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Table data represents single male driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in garaging location in Scottsdale, AZ which can impact insurance rates significantly.
Based upon the table data, we can presume that cars like the Honda Accord, Hyundai Elantra, Ford Escape, and Honda CR-V will be some of the more affordable vehicles to insure for older drivers.
Establishing which companies have the best insurance rates for drivers over age 60 will involve a little more sweat than just comparing a company or two. Each auto insurance company has a different process to establish rates, so to begin we’ll rank the most budget-friendly insurance companies in Scottsdale, AZ.
It’s a good idea to know that Scottsdale insurance rates are calculated based on many things that can increase the cost of a policy. Turning one year older, becoming a homeowner, or getting a reckless driving citation may generate price changes that can make some companies cheaper than before.
Cheapest Insurance Rates for Age 60+
The Hartford quotes some of the lowest car insurance rates in Scottsdale at around $811 a year. Auto-Owners, Safeco, USAA, and Travelers also qualify as some of the more affordable Scottsdale, AZ insurance companies.
As shown in the table above, if you are a customer of Safeco and switched to The Hartford, you might realize a yearly savings of around $121. Arizona drivers with USAA might save as much as $280 a year, and Travelers insureds might realize rate reductions of up to $297 a year.
To compare your rates to other Arizona insurance companies, click here to begin a quote or visit any of the companies below.
Understand that those rates are averages for all insureds and vehicles and are not factoring in an exact zip code location for drivers over age 60. So the company that fits your situation best may not even be in the list above. That’s why you need to get car insurance quotes using your own driver data and vehicle information.
How to get discounts on Scottsdale insurance
Insurance providers that provide coverage for drivers over age 60 may also give you discounts that could lower prices by as much as 30% if you meet the requirements. Larger insurance companies and some of the discounts can be found below.
- State Farm offers discounts for safe vehicle, driver’s education, multiple autos, good student, good driver, accident-free, and Steer Clear safe driver discount.
- Progressive may have discounts that include continuous coverage, online quote discount, good student, online signing, homeowner, and multi-vehicle.
- Progressive has discounts for homeowner, online signing, multi-policy, multi-vehicle, continuous coverage, good student, and online quote discount.
- MetLife may include discounts for good driver, multi-policy, claim-free, accident-free, defensive driver, good student
- Farm Bureau offers premium reductions for renewal discount, multi-policy, good student, youthful driver, 55 and retired, safe driver, and driver training.
- GEICO has savings for daytime running lights, driver training, military active duty, five-year accident-free, emergency military deployment, defensive driver, and anti-theft.
- SAFECO discounts include teen safe driver, teen safety rewards, anti-theft, accident prevention training, multi-car, anti-lock brakes, and homeowner.
The diagram below visualizes the comparison of yearly insurance costs with and without discounts applied. The premiums assume a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with safe-driver, multiple policy, anti-theft, defensive driving course, vehicle safety, and marriage discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for drivers over age 60 is 29% or $355.
The diagram below shows how choosing a deductible can increase or decrease premium costs when getting quotes for cheap insurance for drivers over age 60. The premium estimates are based on a married female driver, comp and collision included, and no discounts are factored in.
A 50-year-old driver could lower their car insurance rates by $206 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $310 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, can cut as much as $508 each year by choosing larger deductibles on their policy. When raising deductibles, it will now be necessary to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Don’t make the mistake of not shopping around
Arizona insurance rates are based on many factors which can significantly increase or decrease the policy price. Simply having another birthday, marrying your spouse, or getting a DUI can cause premium changes resulting in some companies being affordable when they were higher priced. Not only may your risk profile change, but car insurance companies change premium rates every year to help ensure profitability. An unexpected high level of claims may result in higher prices, while a lower level of claims may cause lower-cost Scottsdale car insurance rates.
As an example, the graph below shows the company with the cheapest car insurance in Scottsdale, AZ for a 35-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. When comparing rates based on his personal profile, The Hartford might quote the most affordable car insurance rates in Scottsdale at $1,118 each year. This is $310 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also included in the cheapest Scottsdale, AZ auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a chargeable accident, a little lower credit rating, and a few blemishes on his driving record. Because each insurer has a different process to set premium rates, comparing quotes could now result in a different set of the cheapest car insurance companies in Scottsdale as shown below.
Progressive now has the best auto insurance rate in Scottsdale, AZ with Ameriprise Group, CSAA, Allied, and Safeco completing the list. This illustrates why Scottsdale drivers need to compare rates to find the most economical auto insurance rates for drivers over age 60.
Prices can be determined by many things and can change substantially, so the lowest-price company six months ago may now be one of the more expensive options.
If you wish to have a professional recommendation when trying to find the best insurance rates for drivers over age 60, the insurance agencies listed below can aid you in deciding which auto insurance policy fits you best. To locate a Scottsdale insurance agent nearest to you, click the button below the list or click here to compare prices now.
- Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150
- Mike Bucca – State Farm Insurance Agent
7336 E Deer Valley Rd #105 – Scottsdale, AZ 85255 – (480) 585-3665
- Robert Smith – State Farm Insurance Agent
7505 E 6th Ave Ste 204 – Scottsdale, AZ 85251 – (480) 588-6456
- Citywide Insurance
13802 N Scottsdale Rd #106 – Scottsdale, AZ 85254 – (480) 607-7537
- Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252
How to find budget-friendly auto insurance for drivers over age 60
The list below shows some of the better money-saving suggestions that can help drivers locate cheaper auto insurance.
- Do not get traffic tickets
- Bundle home or renters insurance to earn a discount on car insurance
- If your vehicles are older, consider dropping full coverage
- Avoid accidents
- Get cheaper liability coverage by choosing a safer vehicle
- If possible, do not file small claims
- Comparison shop at least every other year
The last item on the list is remarkably important, as was affirmed in this write-up. Rates can change considerably based on profitability, so don’t be afraid to buy from a different company if a more affordable price is available.
Having brand loyalty is commendable, but it’s not a great idea if that loyalty ends up costing potentially thousands of dollars a year. It takes less than five minutes to compare prices to find cheaper auto insurance for drivers over age 60 in Scottsdale.