Life would sure be easier if we could just give you the name of the one auto insurance company that has the lowest rates in Arizona. It’s just not that easy, however, as there are a ton of unknown factors such as what your desired deductibles are, if you are married, if you are a man or woman, and what coverage limits you want. The information below covers these types of topics and should give you a good beginning to your search for cheaper coverage.
Finding out which companies quote the cheapest car insurance rates for drivers over age 70 requires a little more work in order to find the best policy.
Every insurance provider uses different criteria to establish rates, so let’s take a look at the most competitive car insurance companies in Mesa. We do need to point out that Mesa car insurance rates are impacted by many things which can significantly increase or decrease the cost of a policy. Improving your credit score, becoming a homeowner, or getting a couple of tickets can produce rate changes resulting in some rates now being cheaper than competitors.
Find the Cheapest Car Insurance for Age 70+
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $924 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,220 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,323 |
| 13 | Farmers | $1,350 |
| 14 | Unitrin | $1,357 |
| 15 | State Farm | $1,364 |
| 16 | Titan | $1,433 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,463 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,551 |
| View More Rates Go | ||
The Hartford offers some of the best car insurance rates in Mesa at around $836 per year. Safeco, Auto-Owners, Travelers, and USAA would also make the list of some of the more affordable Mesa, AZ car insurance companies.
In this example, if you are currently insured with Travelers and switched to The Hartford, you might see an annual savings of approximately $250. Drivers with USAA might save as much as $277 a year, and Progressive insureds might lower prices by up to $294 a year.
If you want to find out if you’re overpaying, click here to get a free quote or quote rates from the companies below.
Be aware that those premium estimates are averages for all insureds and vehicles and do not factor in a specific zip code for drivers over age 70. So the insurer that can offer you the best rate may not even be in the top 28 companies shown above. That underscores the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.
For older drivers, one of the big factors that aid in calculating auto insurance rates is where your car is garaged in Mesa. Areas with more people or more claims tend to pay more, whereas areas with less crime or weather claims tend to receive slightly lower rates.
The following table sorts the most expensive areas in Arizona for drivers over age 70 in which to buy car insurance. Mesa comes in at #5 with a yearly cost of $1,147 on average, which is around $96 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,178 |
| 4 | San Tan Valley | $1,150 |
| 5 | Mesa | $1,147 |
| 6 | Goodyear | $1,131 |
| 7 | Scottsdale | $1,129 |
| 8 | Chandler | $1,126 |
| 9 | Buckeye | $1,110 |
| 10 | Gilbert | $1,108 |
| 11 | Tempe | $1,106 |
| 12 | Tucson | $1,094 |
| 13 | Peoria | $1,093 |
| 14 | Casa Grande | $1,079 |
| 15 | Maricopa | $1,074 |
| 16 | Casas Adobes | $1,072 |
| 17 | Surprise | $1,058 |
| 18 | Oro Valley | $1,051 |
| 19 | Catalina Foothills | $1,040 |
| 20 | Yuma | $992 |
| Compare Prices Now Go | ||
Prices are approximated as the specific Mesa residence address can decrease or increase premium rates substantially.
Buying coverage from a good quality auto insurance provider can be a challenge considering how many different companies sell coverage in Arizona. The rank data in the next section can help you decide which companies to look at when trying to find the cheapest insurance for drivers over age 70.
These rankings are for companies that insure vehicles nationwide, so companies that may only write in Arizona are not factored into these rankings. To get rate quotes and find the cheapest rates for drivers over age 70, click here.
Top 10 Major Auto Insurance Companies in Mesa Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
The diagram below demonstrates how deductibles can change insurance premiums when getting quotes for cheap insurance for drivers over age 70. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are factored in.
A 40-year-old driver could cut expenses by $236 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $358 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, could shave up to $602 or even more just by using higher deductibles.
If you make the decision to raise deductibles, it will now be necessary to have enough funds in savings to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Why it’s important to shop around
Arizona car insurance rates are based on many factors which can significantly increase or decrease the price you have to pay for coverage. Improving your credit rating, buying a different home, or getting a reckless driving citation can trigger changes in premium that can cause some rates to be affordable when they were higher priced.
Also, insurers modify pricing at least once a year to adjust for unexpected claims or profits. An extended period of higher than normal claims can result in increased rates, while a better loss history may produce more affordable Mesa car insurance rates.
To help illustrate this point, the bar chart below compares the cheapest car insurance in Mesa, AZ for a 40-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. Based on his personal risk profile, The Hartford offers the lowest car insurance rates in Mesa at $1,081 annually. This is $347 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remaining top five cheapest Mesa, AZ auto insurance companies.
The example below compares rates after we give the driver in the first chart a chargeable claim, a lower credit score, and a few traffic violations. Since each insurance company has their own unique process for determining rates, comparing prices may now show a completely different list of companies as shown below.
Ameriprise Group now has the cheapest car insurance in Mesa, AZ with GEICO, CSAA, Allied, and Auto-Owners completing the list. This demonstrates why it is critical to compare rates when trying to get cheap auto insurance rates for drivers over age 70.
Prices can be altered by many different factors and can increase or decrease at any time, so the cheapest option the last time you checked may now be priced much higher than other options.
How to find budget-friendly car insurance for drivers over age 70
The list below shows many money-saving ideas that can help you locate more affordable auto insurance.
- Maintain a safe distance and avoid accidents
- Do not get traffic citations
- Raise deductibles
- Better credit scores save money
- The safer your car, the less it costs to insure
- Compare rate quotes often
That final tip is certainly necessary, as we hit on in this article. Car insurance rates change constantly, so you should be ready to change insurance companies if a cheaper rate is available.
Staying with the same car insurance company is fine, but it isn’t a good idea if that stubbornness costs you potentially thousands of dollars a year. Spend a few minutes and compare prices and find cheaper car insurance for drivers over age 70 in Mesa.
If you aren’t sure which coverage to buy and prefer to have a consultation when trying to find lower insurance rates for drivers over age 70, the agents below can probably provide answers to your questions and help you determine which coverages and limits you need.
To locate a Mesa car insurance agency closest to you, click the button following the list.
- AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 - Kimball Porter – State Farm Insurance Agent
1847 S Greenfield Rd Ste 107 – Mesa, AZ 85206 – (480) 892-1779 - Canyon Lands Insurance: Donalds Jeffrey
1550 E University Dr – Mesa, AZ 85203 – (480) 668-7000 - Farmers Insurance – Kevin Shelton
2651 W Guadalupe Rd #102 – Mesa, AZ 85202 – (480) 718-9498