Wouldn’t it be nice if we could wave our magic wand and tell you the single best car insurance company that has the cheapest insurance for drivers over age 70? It’s not that easy, however, as there are many unknown elements like if you are currently insured, the deductible level you need, whether or not you own a home, and your credit rating, that all have an effect on the price. We will attempt to cover some of these criteria and will hopefully give the reader a good start in finding the cheapest insurance in Irvine.
One of the more important components that help determine the price you pay for insurance is where your car is garaged in Irvine. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with less crime or weather claims benefit from lower rates.
The table below rates the priciest cities in California for drivers over age 70 to buy car insurance in. Irvine makes the list at #25 with an annual cost of $1,330 for the average insurance policy, which is about $111 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Santa Clarita | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Stockton | $1,556 |
| 10 | Garden Grove | $1,554 |
| 11 | Modesto | $1,547 |
| 12 | Fontana | $1,535 |
| 13 | Fresno | $1,517 |
| 14 | Moreno Valley | $1,506 |
| 15 | Riverside | $1,497 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,474 |
| 18 | Fremont | $1,403 |
| 19 | Bakersfield | $1,394 |
| 20 | San Jose | $1,381 |
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Annual rates are approximated as specific location information can affect premiums significantly.
The type of vehicle on the policy is a large factor when trying to find the most economical insurance for drivers over age 70. Vehicles with economical engines, modern passenger safety features, or a low likelihood of having liability claims will cost much less to insure than high performance models.
The next list estimates coverage prices for a handful of the most economical automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $702 |
| Honda CR-V EX 2WD | $708 |
| Ford Escape XLT 4WD | $714 |
| Toyota Prius | $773 |
| Dodge Grand Caravan SE | $783 |
| Honda Odyssey EX W/Rear Entertainment | $818 |
| Ford Focus SE 4-Dr Sedan | $826 |
| Ford Edge SEL 2WD | $818 |
| Toyota RAV4 Sport 2WD | $830 |
| Volkswagen Jetta S 4-Dr Sedan | $836 |
| Chevrolet Impala LT | $830 |
| GMC Sierra SLE Crew Cab 2WD | $839 |
| Chevrolet Equinox LS AWD | $830 |
| Toyota Camry LE | $838 |
| Ford F-150 Lariat Crew Cab 4WD | $842 |
| Ford Explorer Eddie Bauer AWD | $847 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $842 |
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Table data represents married female driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in zip code location which can lower or raise price quotes greatly.
By looking at the data, you can expect makes and models like the Honda Accord, Honda CR-V, and Ford Escape are most likely going to be a few of the cheapest vehicles to insure for older drivers. The cost of a car insurance policy will trend higher just because there is more exposure for drivers over age 70, but generally speaking those particular vehicles will most likely have the cheapest rates that you’ll find.
Comparing quotes for cost effective auto insurance is not always easy, and deciding which company has the most affordable auto insurance rates for drivers over age 70 will take even more work. Every insurance provider has their own process for establishing rates, so we’ll go over the auto insurance companies with the overall cheapest rates in Irvine.
It’s important that readers know that Irvine, CA auto insurance rates are calculated based on many things that will increase or decrease the cost of coverage. This price variability is why consumers need to take the time to shop around to get the lowest insurance quotes for drivers over age 70. Insurance rates are made up of many risk factors and change substantially, so the cheapest rate when you last compared rates may now be one of the more expensive options.
Cheap Insurance Rates for Age 70+
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,222 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | GEICO | $1,529 |
| 11 | Allstate | $1,543 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,699 |
| 17 | Unitrin | $1,733 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,946 |
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USAA may offer some of the lowest car insurance rates in Irvine at around $1,109 each year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the lowest-priced Irvine, CA insurance companies.
As shown in the rates above, if you are a customer of Century National and switched to USAA, you could earn annual savings of roughly $117. Policyholders with Nationwide might save as much as $141 a year, and 21st Century customers might realize rate reductions of up to $257 a year.
To see if your current coverage is too expensive, click here to get quotes or click several companies below for low rates.
It’s important to note that these prices are averaged across all insureds and vehicles and and are not figured with a specific location for drivers over age 70. So the auto insurance company that fits your needs best may not even be in the list above. That’s why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
The chart below demonstrates how choosing different deductibles can influence insurance costs when researching cheap insurance for drivers over age 70. The costs are based on a married female driver, full physical damage coverage, and no discounts are applied.
The chart above illustrates that a 30-year-old driver could lower their policy premium by $350 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $530 by using a $1,000 deductible. Young drivers, like the Age 20 chart data, could roll back prices $750 or even more by selecting a higher deductible.
If you do make the decision to raise your deductibles, it will be important to have enough spare savings to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.
California auto insurance company ratings
Picking a highly-rated car insurance provider is hard considering how many companies are available to choose from in Irvine. The company information displayed below could help you decide which auto insurers you want to consider when shopping your coverage around.
The ratings below are for companies that write coverage in many states, so smaller regional companies are not taken into consideration for the list. To check prices and find cheaper insurance for drivers over age 70, click here.
Top 10 Large Auto Insurance Providers Overall in Irvine
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Large Auto Insurance Providers in Irvine Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Get discount Irvine insurance
Insurance companies that sell policies for drivers over age 70 could also offer premium discounts that could lower prices by as much as 40% or more if you are eligible to receive them. A list of companies and their offered discounts are shown below.
- State Farm may offer discounts for good driver, multiple autos, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, student away at school, and accident-free.
- GEICO has discounts for membership and employees, air bags, driver training, anti-theft, five-year accident-free, defensive driver, and anti-lock brakes.
- Liberty Mutual may have discounts that include new graduate, preferred payment discount, newly retired, newly married, and new move discount.
- The Hartford has savings for bundle, driver training, vehicle fuel type, anti-theft, good student, and defensive driver.
- MetLife policyholders can earn discounts including defensive driver, multi-policy, good driver, accident-free, and good student.
- Progressive offers premium reductions for homeowner, continuous coverage, online quote discount, multi-policy, multi-vehicle, good student, and online signing.
The diagram below illustrates the comparison of car insurance costs with and without discounts being applied to the rates. The information is based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with homeowner, vehicle safety, passive restraint, accident-free, claim-free, and multiple policy discounts applied. When discounts are applied, the average amount saved each year on auto insurance for drivers over age 70 is 28% or $532.
Why you should be shopping around
Irvine, CA auto insurance rates are determined by lots of factors which can substantially change the price you pay. Turning one year older, buying a home instead of renting, or getting a few speeding tickets can produce rate changes that may make certain companies more affordable than competitors. Also, companies file new California car insurance rates as needed as an adjustment for underwriting gains or losses. Larger than normal claims may cause higher prices, while a profitable period can cause cheaper Irvine car insurance rates.
The graph below compares the cheapest car insurance in Irvine, CA for a 30-year-old female driver with no violations or accidents, and a good credit history. When quoting prices based on her current risk profile, USAA has the best car insurance rates in Irvine at $1,131 each year. This is $520 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are the rest of the cheapest Irvine, CA auto insurance companies.
The chart below compares rates after we give the driver in the first example a chargeable accident, a lower credit score, and a stop sign violation. Because each insurer has a proprietary formula for determining rates, analyzing rate quotes may now show a significantly different list of the cheapest car insurance companies in Irvine as shown below.
Grange now has the lowest price on auto insurance in Irvine with Progressive, Allstate, Mercury, and GEICO also being competitive. This example illustrates why California drivers need to shop around with many companies to get the lowest car insurance rates for drivers over age 70. Insurance rates are impacted by many risk factors and can change substantially, so the most affordable company the last time you shopped around may now be one of the higher cost companies.