Cheap Auto Insurance for Drivers Over Age 70 in California

One of the key criteria used to determine the price you pay for insurance is where you choose to live in California. Cities with larger populations or higher claim trends like Los Angeles, San Francisco, and Sacramento tend to pay slightly more, whereas areas with less traffic congestion and claims generally have lower rates.

The table below rates the most expensive cities in California for drivers over age 70 to purchase a policy in.

Annual rates are comparative as the vehicle garaging location can modify rates greatly.

The type of vehicle requiring coverage is a large consideration that determines the availablility of cheap car insurance for drivers over age 70 in California. Vehicles with reasonable performance levels, good crash test ratings, or a track record of few liability claims will cost substantially less to insure than high performance models.

The next tables estimates car insurance prices for the most affordable vehicles to insure.

Data assumes married female driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in vehicle location which can influence insurance rates substantially.

Data rating is based on married female driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in specific zip code location which can affect premium rates substantially.

Above prices assume married female driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in your specific California location which can revise rates considerably.

Types of discounts on California auto insurance

Insurance companies that offer cheap car insurance for drivers over age 70 in California may additionally offer rate discounts that could reduce prices by 35% or more if you are eligible. A list of car insurance companies and a summarized list of policyholder discounts include:

• American Family has discounts for bundled insurance, air bags, good student, good driver, and Steer into Savings.
• Farm Bureau has savings for driver training, multi-policy, safe driver, 55 and retired, good student, and renewal discount.
• State Farm discounts include anti-theft, multiple policy, accident-free, safe vehicle, good driver, student away at school, and multiple autos.
• Travelers offers discounts including save driver, early quote, multi-policy, payment discounts, home ownership, continuous insurance, and driver training.
• The Hartford offers premium reductions for air bag, defensive driver, bundle, driver training, and anti-theft.
• GEICO may have discounts that include anti-theft, good student, membership and employees, emergency military deployment, five-year accident-free, and air bags.
• Progressive offers discounts for multi-vehicle, continuous coverage, good student, homeowner, online signing, and multi-policy.

The example below illustrates the difference between car insurance costs with and without policy discounts. The information is based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, vehicle safety, marriage, multiple vehicle, multiple policy, and anti-theft discounts applied. When taking advantage of discounts, the the average yearly reduction on car insurance for drivers over age 70 is 28% or $549.

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