The make and model of vehicle on the policy is one of the primary factors when comparing cheap auto insurance for drivers over age 50. Vehicles with high performance engines, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The next list features car insurance prices for a number of the cheaper automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,276 |
| Honda CR-V EX 4WD | $1,304 |
| Honda Odyssey LX | $1,399 |
| Toyota Prius | $1,412 |
| Dodge Grand Caravan CV | $1,427 |
| Ford Explorer XLT AWD | $1,437 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,427 |
| Ford Edge SEL 2WD | $1,479 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,491 |
| Nissan Altima 2.5 4-Dr Sedan | $1,507 |
| Toyota RAV4 Limited 4WD | $1,515 |
| GMC Sierra SLE Regular Cab 2WD | $1,507 |
| Chevrolet Equinox LS 2WD | $1,513 |
| Ford F-150 Lariat Super Cab 2WD | $1,535 |
| Chevrolet Malibu LT | $1,544 |
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific location which can affect auto insurance rates substantially.
Based upon these rates, we can infer that cars like the Ford Escape, Honda CR-V, and Honda Odyssey are a few of the more affordable vehicles to insure for older drivers.
One of the more important considerations that help determine the price you pay for insurance is where you normally keep your vehicle. More populated areas will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.
The next table sorts the most costly cities in Arizona for drivers over age 50 to purchase auto insurance in. Mesa makes the list at #5 with a yearly cost of $1,147 for the average policyholder, which is approximately $96 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $1,226 |
| 2 | Phoenix | $1,218 |
| 3 | Avondale | $1,174 |
| 4 | San Tan Valley | $1,150 |
| 5 | Mesa | $1,147 |
| 6 | Tempe | $1,140 |
| 7 | Goodyear | $1,131 |
| 8 | Scottsdale | $1,129 |
| 9 | Maricopa | $1,118 |
| 10 | Buckeye | $1,110 |
| 11 | Gilbert | $1,108 |
| 12 | Peoria | $1,104 |
| 13 | Tucson | $1,094 |
| 14 | Chandler | $1,082 |
| 15 | Casas Adobes | $1,082 |
| 16 | Surprise | $1,058 |
| 17 | Catalina Foothills | $1,050 |
| 18 | Casa Grande | $1,047 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $963 |
| 21 | Flagstaff | $931 |
| 22 | Prescott | $914 |
| 23 | Sierra Vista | $890 |
| 24 | Lake Havasu City | $878 |
| 25 | Bullhead City | $869 |
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Premium costs are comparative as the specific garaging location can revise premiums noticeably.
Finding good, budget auto insurance is hard enough, and deciding which companies offer the cheapest car insurance rates for drivers over age 50 will require even more diligence.
Each insurance company uses their own calculation to set premium rates, so let’s begin by examining the car insurance companies with the overall cheapest rates in Mesa. It’s important to understand that Mesa, AZ car insurance rates are based on many factors which can substantially decrease or increase the price you have to pay. This is why it is crucial to perform a complete rate comparison to find the most economical insurance rates for drivers over age 50. Insurance rates are determined by many risk factors and change dramatically, so the most affordable company the last time you compared rates may now not even be in the top five.
Cheapest Insurance Rates for Age 50+
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $932 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,086 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,166 |
| 8 | CSAA | $1,189 |
| 9 | Allied | $1,197 |
| 10 | Ameriprise Group | $1,208 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,323 |
| 13 | Farmers | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | State Farm | $1,364 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,473 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,552 |
| Quote Your Rates Go | ||
The Hartford generally has some of the best car insurance rates in Mesa at around $836 a year. Auto-Owners, Safeco, USAA, and Travelers also are some of the lowest-priced Mesa, AZ car insurance companies.
As shown in the table above, if you are a customer of Travelers and switched to Auto-Owners, you may see an annual savings of approximately $171. Insureds with Progressive could save as much as $215 a year, and GEICO customers might reduce prices by as much as $251 a year.
To get a quick, customized rate comparison, click here to get a free quote or feel free to get quotes from the companies below.
Understand that those policy prices are averages for all ages of drivers and types of vehicles and and are not figured with an exact location for drivers over age 50. So the company that can offer you the best price may not even be in the top 28 companies shown above. That underscores the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
The diagram below demonstrates how deductibles can influence premium costs when quoting cheap insurance for drivers over age 50. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
In the chart above, a 30-year-old driver could cut expenses by $368 a year by changing from a $100 deductible to a $500 deductible, or save $554 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could potentially save $824 or more by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it is essential to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Finding the right car insurance company can be difficult considering how many different companies sell coverage in Mesa. The company information displayed below can help you pick which coverage providers to look at comparing prices from.
These ratings only include companies that insure vehicles nationwide, so companies that focus mainly on Arizona business are not factored into this list. If you’d like to compare prices from these and other competitive companies, follow this link.
Top 10 Large Auto Insurance Providers in Mesa Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
You are probably paying too much for car insurance
Mesa, AZ car insurance rates are determined by lots of factors which can substantially change the price of your policy. Getting older, buying a new vehicle, or having an accident may cause policy rate changes that can make some companies cheaper in comparison to the competition.
Not only may your risk profile change, but companies amend pricing as often as every three months in order to protect their financial rating. A period of higher than normal claims may cause rate hikes, while lower claim levels can produce lower-cost Mesa car insurance rates.
The data below shows which companies have the cheapest car insurance in Mesa, AZ for a 35-year-old female driver with no prior accidents, a clean driving record, and excellent credit. When comparing rates based on her personal risk profile, The Hartford quotes the most affordable car insurance rates in Mesa at $1,050 a year. This is $378 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also on the list of the most affordable Mesa, AZ auto insurance companies.
The next chart shows rates after we give the driver from the above example a chargeable accident, slightly worse credit, and a stop sign violation. Due to the fact that each insurance company uses their own calculation to set their prices, analyzing rates may now present a different list of the cheapest car insurance companies in Mesa as shown below.
GEICO now has the best price on car insurance in Mesa, AZ with Ameriprise Group, CSAA, Allied, and Auto-Owners completing the list. This shows why it is so important to compare many different companies to find the cheapest car insurance rates for drivers over age 50. Auto insurance prices are made up of many different factors and change frequently, so the lowest-price company the last time you checked may now be quite expensive.