One of the more important factors that are used to help calculate the price you pay for insurance is where you keep your car. More densely populated places tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The information below lists the most expensive places in Arizona for seniors to buy an auto insurance policy in. Chandler is ranked at #9 with the annual price of $1,115 for the average insured, which is around $93 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,190 |
| 4 | San Tan Valley | $1,161 |
| 5 | Scottsdale | $1,151 |
| 6 | Mesa | $1,147 |
| 7 | Buckeye | $1,122 |
| 8 | Tempe | $1,118 |
| 9 | Chandler | $1,115 |
| 10 | Gilbert | $1,108 |
| 11 | Goodyear | $1,098 |
| 12 | Tucson | $1,094 |
| 13 | Peoria | $1,093 |
| 14 | Maricopa | $1,085 |
| 15 | Casas Adobes | $1,082 |
| 16 | Casa Grande | $1,079 |
| 17 | Oro Valley | $1,051 |
| 18 | Surprise | $1,048 |
| 19 | Catalina Foothills | $1,040 |
| 20 | Yuma | $992 |
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Rate information is comparative as the specific zip code location can affect prices considerably.
The vehicle that needs insurance is probably the biggest factor that determines the availability of cheap insurance for seniors. Vehicles with limited speed and performance, advanced safety features, or a low likelihood of having liability claims will cost significantly less to insure than higher performance models. The data below ranks coverage rates for some of the most cost-effective vehicles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $978 |
| Hyundai Elantra GLS Touring Station Wagon | $987 |
| Ford Escape XLT 4WD | $1,003 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,066 |
| Toyota Prius | $1,091 |
| Dodge Grand Caravan CV | $1,096 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,104 |
| Chevrolet Impala LS | $1,133 |
| Toyota RAV4 Limited 2WD | $1,158 |
| Toyota Tacoma Double Cab 4WD | $1,167 |
| Toyota Camry LE | $1,158 |
| Chevrolet Equinox LS 2WD | $1,167 |
| Ford F-150 SVT Raptor Super Cab 4WD | $1,184 |
| Chevrolet Malibu LT | $1,192 |
| Ford Explorer Limited 2WD | $1,184 |
| Honda Civic EX 4-Dr Sedan | $1,194 |
| Ford Edge Limited AWD | $1,219 |
| Get a Custom Quote Go | |
Data assumes married female driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in specific location which can lower or raise rates considerably.
Based upon the rates shown, you can assume that models like the Honda CR-V, Hyundai Elantra, Ford Escape, Volkswagen Jetta, and Toyota Prius are most likely to be a few of the most economical vehicles to insure for senior citizens.
Buying coverage from a good quality auto insurance company can be rather challenging considering how many different insurance companies sell coverage in Chandler. The rank data in the next section can help you pick which companies you want to consider when shopping your coverage around.
The rankings below include large insurance companies, so companies with more of a regional focus are not factored into these rankings. If you wish to compare rates from these and other top-rated companies, simply click here.
| 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 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How violations and accidents impact rates
The ideal way to get the cheapest car insurance premiums for senior citizens is to be a cautious driver and avoid accidents and violations. The information below demonstrates how citations and at-fault accidents drive up insurance costs for different categories of driver ages. The premiums assume a married female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
In the previous example, the average cost of an auto insurance policy per year with no accidents or violations is $1,285. Get one speeding ticket and the average cost rises to $1,502, an increase of $217 each year. Now add in one accident along with the one speeding ticket and the annual cost of car insurance for seniors jumps again to an average of $2,106. That’s an increase of $821, or $68 per month, just for not driving safely!
Does it make sense to buy full coverage?
Saving money on car insurance is important to the majority of people, and one common way to reduce the cost of insurance for seniors is to only buy liability insurance. The chart below shows the comparison of auto insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on no violations or accidents, $250 deductibles, single status, and no other discounts are factored in.
If averaged out across all ages, full coverage costs an extra $2,107 per year more than just buying liability only. That is a large expense and it proposes the question if full coverage is worth the money. There isn’t a steadfast formula for dropping comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
There are some scenarios where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
How to find more affordable auto insurance for seniors
Here are many money-saving suggestions that can help drivers buy lower-cost coverage.
- Drive safe vehicles
- Increase the comprehensive and collision deductibles on your policy
- Prevent rate increases by staying accident-free
- Speeding tickets and other violations increase rates
- Good credit can help you save money
- Ensure you have the best deal by shopping around regularly
That last tip is extremely crucial, as we stressed in this article. Auto insurance prices in Chandler can change considerably in a year, so drivers shouldn’t be reluctant to buy a different policy if you can save money.
Brand loyalty is great, but it’s not a great idea if your bullheadedness ends up costing you a small fortune year after year. Take a few minutes and compare rates and find cheaper car insurance for seniors.
If you aren’t sure which coverage you need and prefer to get help from a professional when shopping around for cheaper insurance for seniors, the insurance agencies listed below can provide answers to your questions and help you determine which coverages you need.
To locate an agency nearest to you, click the link at the bottom or click here to compare prices now.
Allstate Insurance: Jim Kaup
565 W Chandler Blvd Ste 218 – Chandler, AZ 85225 – (480) 821-2763
Lori Daniels – State Farm Insurance Agent
1969 W Ray Rd #1 – Chandler, AZ 85224 – (480) 892-4100
American Family Insurance – Arturo Alatorre
600 W Ray Rd Ste D4 – Chandler, AZ 85225 – (480) 246-8479
Bill Quigley – State Farm Insurance Agent
825 West Warner Road – Chandler, AZ 85225 – (480) 899-7878
State Farm: Bryan Ross
5960 S Cooper Rd #2 – Chandler, AZ 85249 – (480) 855-8555