Deciding which companies offer the most affordable auto insurance rates for drivers over age 70 calls for a bit more effort in order to find the most economical policy.
Each auto insurer uses different criteria to determine rates, so to begin we’ll rank the overall cheapest auto insurance companies in Tucson, AZ.
Find Cheaper Car Insurance for Age 70+
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,119 |
| 6 | Progressive | $1,152 |
| 7 | Ameriprise Group | $1,172 |
| 8 | CSAA | $1,177 |
| 9 | GEICO | $1,177 |
| 10 | Allied | $1,197 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,285 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,429 |
| 18 | American Family | $1,463 |
| 19 | Safeway | $1,554 |
| 20 | MetLife | $1,567 |
| Find Your Rate Go | ||
The Hartford generally has some of the cheapest car insurance rates in Tucson at around $845 annually. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the most economical Tucson, AZ car insurance companies.
As shown in the table above, if you currently buy coverage from Auto-Owners and switched to The Hartford, you could earn a yearly savings of around $52. Customers with Safeco might save as much as $78 a year, and USAA insureds might cut rates by $235 a year.
Be aware that those policy prices are averages for all insureds and vehicles and are not factoring in a specific zip code for drivers over age 70. So the insurer that fits your needs best may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
One of the many factors that are looked at to determine car insurance rates is where you choose to live. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The next table ranks the highest-priced areas in Arizona for drivers over age 70 to purchase car insurance in. Tucson shows up at #11 with an annual rate of $1,105 for the average policyholder, which is approximately $92 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,214 |
| 4 | San Tan Valley | $1,185 |
| 5 | Mesa | $1,159 |
| 6 | Gilbert | $1,142 |
| 7 | Goodyear | $1,131 |
| 8 | Scottsdale | $1,129 |
| 9 | Buckeye | $1,122 |
| 10 | Tempe | $1,118 |
| 11 | Tucson | $1,105 |
| 12 | Chandler | $1,093 |
| 13 | Peoria | $1,093 |
| 14 | Maricopa | $1,085 |
| 15 | Casas Adobes | $1,082 |
| 16 | Casa Grande | $1,079 |
| 17 | Catalina Foothills | $1,072 |
| 18 | Oro Valley | $1,062 |
| 19 | Surprise | $1,048 |
| 20 | Yuma | $963 |
| Quote Best Rates Go | ||
Information shown are approximated as specific Tucson garaging address can alter premium rates considerably.
Ending up with a good quality company is difficult considering how many choices you have in Arizona. The rank data in the lists below could help you decide which car insurance providers you want to consider when comparing rate quotes. These rankings only include the largest auto insurers in America, so companies that have a smaller presence will not be included in this list.
Top 10 Major Car Insurance Companies in Tucson Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Major Car Insurance Companies in Tucson Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
The example below demonstrates how choosing different deductibles can influence insurance costs when getting quotes for cheap insurance for drivers over age 70. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
As shown above, a 50-year-old driver could reduce rates by $296 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $446 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, have the ability to save $972 or more just by using higher deductibles.
If you do decide to increase your deductibles, it is important to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Your cheap policy may actually be overpriced
Arizona auto insurance rates are impacted by many factors which can substantially change the price you have to pay. Simply having a birthday, moving to a new city, or getting caught speeding can produce rate changes that can make some companies cheaper than others. Not only may your risk profile change, but insurance companies file new Arizona car insurance rates without warning in order to protect their financial rating. Heavier than normal losses can cause more expensive prices, while a better loss history can result in lower-priced Tucson car insurance rates.
To help illustrate this point, the data below shows the company with the cheapest car insurance in Tucson, AZ for a 45-year-old female driver with a clear driving record, no claims, and solid credit. If we estimate prices based on her current rating profile, The Hartford has the best car insurance rates in Tucson at $1,051 annually. This is $377 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Progressive are also on the list of the best Tucson, AZ auto insurance companies.
Now we will give the driver from the above example a claim surcharge, a little lower credit rating, and a few traffic violations. Due to the fact that each insurance company has a different process to determine rates, comparing insurance quotes will most likely result in a substantially altered list of affordable companies as shown below.
GEICO now has the lowest price in Tucson with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual also having competitive pricing. This illustrates why drivers need to compare rates to get the most affordable car insurance rates for drivers over age 70.
Insurance prices are impacted by many things and change substantially, so the cheapest rate the last time you shopped around may now be priced much higher than other options.
How to find low-cost car insurance for drivers over age 70
The list below details many penny-pinching suggestions that can help drivers find low-cost coverage.
- Try to not file small claims
- Accidents can significantly increase rates
- Do not insure for full coverage
- Do not get traffic tickets
- Increase your policy deductibles
- Shop around for cheaper prices often
The last item on the list is remarkably valuable, as we emphasized in this piece. Prices change frequently, so drivers shouldn’t be reluctant to buy a different policy if a cheaper rate is available.
Having a favorite company is fine, but it’s not a good idea if that dedication is costing lots of hard earned cash every month. In just a few minutes you could compare rates to find cheaper auto insurance for drivers over age 70 in Tucson.