Best Cheap Auto Insurance Quotes for Drivers Over Age 50 in Arizona

Our editors keep telling us that when writing about car insurance, the word “cheap” should not be used as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap auto insurance for drivers over age 50 may be a thing of the past. But don’t let that discourage you, because we will tell you how you can get coverage that is cheaper than what you have now.

One of the key factors used to calculate rate quotes is where you choose to live in Arizona. Areas with more people or higher crime rates like Phoenix, Glendale, and Scottsdale tend to pay higher rates, whereas areas that are not as densely populated benefit from lower rates.

The information below ranks the most expensive areas in Arizona for drivers over age 50 to purchase car insurance in.

Rate quotes are estimated as the vehicle garaging location can lower or raise rates considerably.

We all have different tastes in cars, and the vehicle that needs insurance is probably the largest consideration that determines whether or not you find the best cheap car insurance for drivers over age 50 in Arizona. Vehicles with high performance, poor safety ratings, or a high likelihood of having liability claims will cost substantially more to insure than safer models.

The next tables presents car insurance rates for a handful of the most economical automobiles to buy coverage for.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific zip code location which can change rates noticeably.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in vehicle garaging location which can revise coverage rates significantly.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in your specific Arizona location which can impact coverage rates substantially.

Finding out which companies offer the most affordable insurance rates for drivers over age 50 involves more time than just picking a company at random.

Each auto insurance company has a unique formula to determine rates, so let’s take a look at the overall cheapest insurance companies in Arizona. It’s important that readers know that Arizona insurance rates are impacted by many things that can increase the price of your policy. Turning one year older, buying a home, or getting a couple of tickets can cause premium changes that may make certain companies cheaper than before.

Cheapest Insurance Rates for Age 50+

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The Hartford has some of the cheapest car insurance rates in Arizona at around $820 each year. Safeco, Auto-Owners, USAA, and Travelers also rank well as some of the lowest-priced Arizona car insurance companies.

In the above rates, if you currently have coverage with USAA and switched to Safeco, you may see a yearly price reduction of roughly $175. Arizona drivers with Travelers might save as much as $214 a year, and GEICO policyholders might cut rates by $237 a year.

To discover how much you can save, click here to get a free quote or visit several of the following companies.

Understand that those prices are averages across all ages of drivers and types of vehicles and are not factoring in a rate decrease for drivers over age 50. So the car insurance company that is most affordable for your situation may not even be shown in the list of companies shown earlier. That point stresses why you need to quote rates from many companies using your own driver information and specific vehicle type.

State Farm, Allstate, Geico, and Progressive compared

When comparing car insurance, four companies you’ll want quotes from are State Farm, Allstate, Geico, and Progressive. Each company has somewhat different options that drivers can select from. The data below illustrates some of the ratings and options .