The words “low-priced” and “auto insurance” really should not be used together, in particular when you are shopping around for the best insurance rates for drivers over age 60. To save some money, let’s lead off by showing you a few of the things that help determine auto insurance prices, and find out if we can help you take the sting out of the next policy you buy.
Finding reliable, cost effective insurance is confusing at best, and determining which companies quote the most affordable auto insurance rates for drivers over age 60 calls for a bit more work. Every insurance company has their own process for setting rates, so let’s take a look at the lowest cost auto insurance companies in Chandler, AZ.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Safeco | $905 |
| 3 | Auto-Owners | $915 |
| 4 | USAA | $1,080 |
| 5 | Progressive | $1,118 |
| 6 | Travelers | $1,119 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,213 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,336 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,357 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,433 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,443 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,568 |
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The Hartford normally has some of the lowest car insurance rates in Chandler at around $811 annually. Safeco, Auto-Owners, USAA, and Progressive also qualify as some of the more affordable Chandler, AZ car insurance companies.
As shown above, if you are a policyholder with Safeco and switched to The Hartford, you may realize savings of roughly $94. Customers with Auto-Owners might save as much as $104 a year, and USAA insureds might reduce rates by $269 a year.
Be aware that those premium estimates are averaged for all drivers and vehicles and and are not figured with an exact zip code location for drivers over age 60. So the car insurance company that can offer you the lowest price may not even be in the list above. That illustrates why you need to get car insurance quotes using your own personal information and vehicle type.
The car, truck, or SUV to be insured is one of the primary factors when looking for affordable insurance for drivers over age 60. Vehicles with economical engines, advanced safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The table below presents insurance prices for a handful of the most economical automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,186 |
| Honda Accord EX 4-Dr Sedan | $1,194 |
| Honda CR-V EX-L 2WD | $1,211 |
| Toyota Prius | $1,309 |
| Ford F-150 XLT Regular Cab 4WD | $1,329 |
| Honda Odyssey EX | $1,377 |
| Chevrolet Impala LS | $1,384 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,384 |
| Toyota RAV4 Sport 4WD | $1,402 |
| Dodge Grand Caravan Hero | $1,408 |
| GMC Sierra SLE Crew Cab 2WD | $1,402 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,405 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,427 |
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Premium data assumes single female driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in zip code location which can revise premium rates significantly.
Based upon the table data, models like the Ford Escape, Honda Accord, Honda CR-V, and Toyota Prius should be some of the most budget-friendly vehicles to insure for older drivers.
Insuring your vehicle with the best company can be a challenge considering how many companies are available to choose from in Chandler. The ranking data in the lists below may help you choose which insurers you want to consider when shopping insurance around for drivers over age 60.
These rankings are only made up of the companies with a significant amount of written premium nationwide, so companies that may only write in Arizona will not be included in this list. To compare prices and find cheaper insurance for drivers over age 60, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
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Data Source: Insure.com Best Car Insurance Companies
The information below demonstrates how deductible levels can influence insurance rates when quoting cheap insurance for drivers over age 60. The costs are based on a single male driver, full coverage, and no discounts are taken into consideration.
A 50-year-old driver could reduce rates by $244 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $370 by switching to a $1,000 deductible. Young drivers, such as the Age 20 example, could possibly save as much as $808 or even more by choosing a larger deductible amount. When using a larger deductible, it is important to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Shop around and save
Arizona auto insurance rates are calculated based on many things which can substantially change your annual premium. Improving your credit rating, having a teen driver, or having an accident can cause premium changes that can make some companies cheaper than others.
Not only may your situation change, but car insurance companies file new rates as often as every three months in order to be able to pay unexpected claims. Heavy losses may result in high rates, while lower claim expenses can cause more affordable Chandler car insurance rates.
As an example, the graph below shows the company with the cheapest car insurance in Chandler, AZ for a 45-year-old male driver with no prior accidents, a clean driving record, and great credit. If we estimate prices based on his current risk profile, The Hartford has the lowest car insurance rates in Chandler at $1,030 a year. This is $398 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also included in the top five cheapest Chandler, AZ auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates an accident claim, less-than-perfect credit, and an imperfect driving record. Since each insurance company has their own process to set premium rates, getting updated rate quotes may now present a slightly different list of the cheapest car insurance companies in Chandler as shown below.
Progressive now has the best auto insurance rate in Chandler with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual completing the list. This shows why it is crucial to perform a complete rate comparison to get the best auto insurance quotes for drivers over age 60. Insurance prices consist of many different factors and change substantially, so the best price three years ago may now be one of the more expensive options.