Who Has the Cheapest Auto Insurance Quotes for Drivers Over Age 60 in Pennsylvania?

Finding out which company has the most affordable car insurance rates for drivers over age 60 calls for a bit more work in order to find the lowest price quote. Every insurance provider uses different criteria for determining rates in each state, so let’s take a look at the most affordable car insurance companies in Pennsylvania.

It’s a good idea to know that Pennsylvania car insurance rates are calculated based on many things which can substantially decrease or increase the cost of having a policy. Simply improving your credit, having a claim, or getting a reckless driving citation may generate price changes resulting in some companies being affordable when they were higher priced.

Best Insurance Companies for Age 60+

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General Casualty normally has some of the cheapest car insurance rates in Pennsylvania at around $726 each year. Travelers, Erie, USAA, and Penn National also qualify as some of the most economical Pennsylvania car insurance companies.

As shown above, if you are a customer of Travelers and switched to General Casualty, you might see savings of approxmiately $61. Insureds with Erie might save as much as $66 a year, and USAA customers might lower prices by up to $83 a year.

Understand that those policy rates are averages for all ages of drivers and types of vehicles and do not factor in a rate decrease for drivers over age 60. So the car insurance company that can offer you the best rate may not even be included in the list of companies shown earlier. That’s why you need to compare rates from as many companies as possible using your own individual information.

The vehicle on the policy is one of the largest considerations when consumers are trying to find the cheapest car insurance for drivers over age 60 in Pennsylvania. Vehicles with higher performance, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models.

The next list shows car insurance prices for a number of the most economical automobiles to buy coverage for.

Data based on married male driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in specific zip code location which can lower or raise premium rates significantly.

Looking at the data, we can presume that cars like the Honda CR-V, Ford Escape, Hyundai Elantra, and Ford Edge are going to be a few of the cheapest vehicles to insure for older drivers.

When shopping for car insurance for older drivers, one of the many criteria that help set the price you pay for insurance is your zip code in Pennsylvania. Cities that have higher claim levels or more people like Philadelphia, Levittown, and Norristown are more likely to have higher rates, whereas areas that are not as densely populated generally pay lower car insurance rates.

The information below lists the most expensive places in Pennsylvania for drivers over age 60 to purchase car insurance in.

Annual rates are approximated as the vehicle garaging location can raise or lower rates greatly.

The diagram below illustrates how your deductible choice can impact insurance costs when trying to find cheap insurance for drivers over age 60. The price estimates are based on a single female driver, full coverage, and no additional discounts are factored in.

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A 30-year-old driver could reduce rates by $356 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $538 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, can save as much as $796 annually just by using higher deductibles.

When increasing deductibles, it is necessary to have enough spare savings to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

What is the best car insurance company in Pennsylvania?

Picking a highly-rated insurance company can be rather challenging considering how many different insurance companies sell coverage in Pennsylvania. The company ratings shown next could help you pick which companies to look at when insurance shopping for drivers over age 60. These ratings are only comprised of companies that write coverage in many states, so companies that only write business in Pennsylvania or surrounding areas are not included in these rankings.

Top 10 Large Car Insurance Companies in Pennsylvania Ranked by Value

1. The General
2. The Hartford
3. Titan Insurance
4. Farmers Insurance
5. 21st Century
6. Safeco Insurance
7. AAA Insurance
8. State Farm
9. Travelers
10. Progressive

Is the best company Geico, State Farm, Progressive, or Allstate?

When researching car insurance for older drivers in Pennsylvania, probably the best companies to start with are Geico, State Farm, Progressive, and Allstate. All of them offer physical damage and liability coverage, but each has a unique set of features, discounts, and options that you can select from. The next table compares ratings and policy coverage options that may be available in your state.