Who Has Cheap Phoenix Auto Insurance Rates for Drivers Over Age 70?

The type of vehicle you are seeking coverage for is a large factor that determines whether or not you find the most affordable insurance for drivers over age 70. Vehicles with lower acceleration and performance, an excellent safety record, or a positive history of liability claims will cost substantially less to insure than higher performance models.

The next table features car insurance premiums for the most cost-effective automobiles to buy coverage for.

Cheapest Vehicles to Insure in Phoenix, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,997
Honda CR-V EX-L 2WD $2,003
Jeep Wrangler Sport 4WD 2-Dr $2,045
Toyota Prius $2,152
Chevrolet Silverado LS Regular Cab 4WD $2,170
Dodge Grand Caravan CV $2,203
Ford Explorer Eddie Bauer 2WD $2,210
Ford Focus S 4-Dr Sedan $2,292
Ford Edge SEL 2WD $2,300
Chevrolet Malibu LS $2,325
Volkswagen Jetta S 4-Dr Sedan $2,330
Toyota RAV4 4WD $2,325
Ford F-150 SVT Raptor Super Cab 4WD $2,357
Dodge Ram 3500 Crew Cab Laramie 2WD $2,365
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,357
Hyundai Elantra Blue 4-Dr Sedan $2,417
Toyota Camry XLE $2,450
Toyota Corolla XLE $2,458
Chevrolet Impala LTZ $2,450
Chevrolet Equinox LTZ 2WD $2,482
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Above prices assume single female driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in zip code location which can raise or lower premiums greatly.

Based upon the table data, you can infer that makes and models like the Ford Escape, Honda CR-V, Jeep Wrangler, Toyota Prius, and Chevrolet Silverado are most likely going to be the cheapest vehicles to insure for older drivers. The price for an auto insurance policy will be more expensive just because there is more liability exposure for drivers over age 70, but generally speaking those vehicles will tend to have the cheapest rates compared to all other vehicles.

Finding out which company quotes the most affordable car insurance rates for drivers over age 70 calls for a little more effort than just comparing rates from one or two companies.

Each insurance company has a proprietary method for filing rates in each state, so let’s take a look at the car insurance companies that tend to be cheaper in Phoenix, AZ.

Find Cheaper Auto Insurance for Age 70+

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Rankings for the cheapest Arizona auto insurance companies
Rank Company Cost Per Year
1 The Hartford $845
2 Safeco $896
3 Auto-Owners $924
4 Travelers $1,108
5 USAA $1,113
6 GEICO $1,131
7 Progressive $1,164
8 Ameriprise Group $1,184
9 CSAA $1,189
10 Allied $1,209
11 Safe Auto $1,284
12 Farm Bureau Mutual $1,297
13 Unitrin $1,343
14 State Farm $1,377
15 Farmers $1,378
16 Amica $1,429
17 American Family $1,435
18 Titan $1,461
19 MetLife $1,505
20 California Casualty $1,506
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The Hartford has some of the most affordable car insurance rates in Phoenix at around $845 each year. This is $583 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the lowest-priced Phoenix, AZ auto insurance companies.

As the rates illustrate above, if you are insured with Travelers and switched to Safeco, you might see an annual savings of in the neighborhood of $212. Customers with USAA may save as much as $217 a year, and GEICO policyholders might reduce rates by $235 a year.

Be aware that those rates are averaged for all drivers and vehicles in Arizona and and are not calculated with a specific zip code for drivers over age 70. So the car insurance company that is best suited for you may not even be in the list above. That underscores the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.

For older drivers, one of the big criteria that help determine the annual cost of car insurance is your address. Cities with larger populations are more likely to pay higher prices, whereas areas with less congestion have the benefit of cheaper auto insurance prices.

The information below lists the priciest cities in Arizona for drivers over age 70 in which to buy car insurance. Phoenix ranks #1 with an annual cost of $1,255 for the average insurance policy, which is around $105 monthly.

How much is auto insurance in Phoenix, AZ?
Rank City Average Per Year
1 Phoenix $1,255
2 Glendale $1,214
3 Avondale $1,174
4 Gilbert $1,154
5 Scottsdale $1,151
6 San Tan Valley $1,150
7 Mesa $1,147
8 Peoria $1,137
9 Buckeye $1,122
10 Tempe $1,118
11 Goodyear $1,087
12 Chandler $1,082
13 Maricopa $1,074
14 Tucson $1,072
15 Casas Adobes $1,072
16 Oro Valley $1,051
17 Surprise $1,048
18 Casa Grande $1,047
19 Catalina Foothills $1,040
20 Yuma $992
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Table data uses comparative as the specific geographic location can affect rates considerably.

Insurance rate increases from tickets or accidents

One of the best ways to earn the most affordable car insurance premiums in Arizona for older drivers is to be a good driver and avoid at-fault accidents and violations. The information below highlights how speeding tickets and at-fault fender-benders can drive up premium costs for different categories of driver ages. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of auto insurance per year with a clean driving record and no accidents is $1,500. Get written up for two speeding tickets and the average cost surges to $2,011, an increase of $510 each year. Now add two accidents along with the two speeding tickets and the annual cost of car insurance for drivers over age 70 jumps again to an average of $3,893. That’s an increase of $2,392, or $199 per month, just for not driving carefully!

Discount Phoenix car insurance rates

Discounts on car insurance for drivers over age 70Insurers that sell policies for drivers over age 70 may also provide premium discounts that could potentially reduce rates by as much as 40% or more if you qualify. A few popular companies and some of the discounts can be found below.

The chart below compares insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, vehicle safety, homeowner, multiple policy, accident-free, and marriage discounts applied. When discounts are applied, theaverage amount saved on car insurance for drivers over age 70 is 28% or $528.

Tips for buying cheaper car insurance for drivers over age 70

Below you’ll find some money-saving ideas that can help you locate cheaper coverage.

The last tip in the list is incredibly critical, as was pointed out in the article above. Prices in Phoenix adjust often, so don’t hesitate to switch carriers if you can find a cheaper rate. Having brand loyalty is commendable, but is isn’t recommended if that faithfulness ends up costing you potentially thousands of dollars a year. It only take a few minutes to compare prices and find cheaper auto insurance for drivers over age 70.

If you aren’t sure which coverage to buy and prefer to get help from a professional when trying to find the best insurance rates for drivers over age 70, the agencies below can answer your questions and help you decide which policy is best. To find a Phoenix insurance agent close to where you live, click the link at the bottom.

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