How Much is Car Insurance for Drivers Over Age 70 in Pennsylvania?

You’ve seen the ads from car insurance companies like GEICO, Allstate, and Progressive that make claims of enormous savings. So you just need to choose the one with the most memorable commercial, right?

Regrettably, it’s not quite that easy, as there are a lot of unknown elements such as any driving violations you may have, if you have ever let your coverage lapse, and whether you are a man or a woman, that all go into determining the rate you pay. Car insurance is kind of a dry topic, but this article will explain these factors and others that can influence the price of auto insurance and hopefully give you enough understanding to have a good start to your coverage search.

One of the key components that help set insurance cost is where your home is located in Pennsylvania. Larger areas like Philadelphia, Levittown, and Norristown likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The following table rates the higher priced cities in Pennsylvania for drivers over age 70 in which to buy car insurance.

Price information shown is comparative as vehicle location can increase or decrease rates greatly.

Buying reasonably-priced insurance is not easy, and deciding which insurers offer the most affordable insurance rates for drivers over age 70 will involve more quotes for comparison. Premiums may be slightly pricier than the state average, with the extra cost attributed to the added risk that goes along with offering insurance for older drivers, but reasonably-priced insurance should be achievable if you look hard enough.

Each auto insurer has their own unique process for setting rates, so first let’s look at the rankings for the insurance companies with the overall cheapest rates in Pennsylvania. It’s important that readers know that Pennsylvania insurance rates are influenced by many factors which can substantially decrease or increase the cost of your policy. Simply having a birthday, moving across town, or getting a reckless driving citation may prompt premium changes resulting in some companies being more expensive than others.

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General Casualty quotes some of the cheapest car insurance rates in Pennsylvania at around $748 per year. USAA, Travelers, Penn National, and Erie also are some of the lowest-priced Pennsylvania auto insurance companies.

In this example, if you buy coverage from Erie and switched to USAA, you may realize a yearly savings of in the vicinity of $23. Policyholders with Auto-Owners may save as much as $180 a year, and Atlantic States insureds might reduce rates by $223 a year.

To see if you’re overpaying, click here to start your free quote or visit any of the companies below.

Remember that these prices are averages for all types of drivers and the different vehicles they drive and and are not calculated with a price increase for drivers over age 70. So the insurer that fits your age and vehicle best may not even be featured in the above rate chart. That illustrates why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

The type of vehicle requiring coverage is one of the biggest factors when comparison shopping for cheap car insurance for drivers over age 70 in Pennsylvania. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of having liability claims will cost less to insure than higher performance models. The next lists features coverage costs for a selection of the most budget-friendly vehicles to buy coverage for.

Above prices assume married female driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rates do not factor in zip code location which can lower or raise insurance rates greatly.

Data variables include married female driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in vehicle location which can impact premium rates greatly.

Data rating is based on married female driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in vehicle garaging location which can increase or decrease rates substantially.

Geico, State Farm, Allstate, or Progressive: Who is best?

When shopping around for auto insurance for older drivers in Pennsylvania, probably the best companies to start with are Geico, State Farm, Allstate, and Progressive. All of them offer liability and physical damage protection, but each on has somewhat different options that shoppers can choose from. The data below points out some of the different options and features that you can purchase from each one.