Best Cheap Auto Insurance for Drivers Over Age 70 in Louisiana

The words “low-priced” and “insurance” really should not be used together, in particular when you are trying to find the best car insurance for drivers over age 70. Because of the high cost, let’s go over some things that have an effect on auto insurance premiums, and figure out some ways to shave a little off the next policy you buy.

The vehicle model that is being insured is a significant factor in finding the cheapest auto insurance for drivers over age 70. Vehicles with limited speed and performance, modern passenger safety features, or a low likelihood of having liability claims will cost significantly less to insure than high performance models.

The next table features auto insurance premiums for a selection of the cheaper vehicles to insure in Louisiana.

Prices based on married male driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in specific location information which can raise or lower prices considerably.

Looking at the numbers, we can conclude that models like the Ford Escape, Honda Accord, Chevrolet Traverse, Honda CR-V, and Toyota Prius are most likely going to be the less-costly vehicles to insure for older drivers. The price of auto insurance will be more expensive just because there is more risk for drivers over age 70, but generally speaking those particular vehicles will most likely have the cheapest car insurance rates that you’ll find.

Finding out which company quotes the cheapest insurance rates for drivers over age 70 takes a little more sweat than just getting one or two price quotes. Every auto insurer uses their own method for filing rates in each state, so let’s rank the insurance companies with the overall best prices in Louisiana.

It’s important that readers know that Louisiana insurance rates are impacted by many factors that can increase the price of coverage. Improving your credit rating, increasing liability limits, or having an at-fault accident may generate price changes resulting in some rates now being affordable when they were higher priced.

Cheapest Insurance Rates for Age 70+

Compare Rates and Save

USAA may offer some of the lowest car insurance rates in Louisiana at around $1,626 annually. MetLife, GEICO, Progressive, and Safeway would also make the list of some of the best Louisiana car insurance companies.

In the above rates, if you buy coverage from GEICO and switched to USAA, you may realize savings of about $339. Drivers with Progressive could save as much as $379 a year, and Safeway policyholders might lower prices by up to $528 a year.

Understand that those policy rates are averaged for all types of insureds and vehicles and are not factoring in a rate surcharge for drivers over age 70. So the car insurance company that has the cheapest price for you may not even be included in the company chart above. That underscores the importance of why you need to get quotes using your own driver information and specific vehicle type.

One of the many factors used to determine auto insurance rates is where your home is located in Louisiana. Areas with more people like New Orleans, Harvey, and Baton Rouge will most likely pay more, whereas areas with lower crime rates and fewer weather claims generally pay lower car insurance rates.

The information below rates the priciest cities in Louisiana for drivers over age 70 in which to purchase auto insurance.

Rates are comparative as the vehicle garaging location can raise or lower auto insurance rates greatly.

Cheapest car insurance: State Farm, Progressive, Geico, or Allstate

When shopping for car insurance for older drivers, the four most popular companies are State Farm, Progressive, Geico, and Allstate. If you put them all together, they insure about half of all policies written in the United States. The table below compares and contrasts some of the different options you can buy with each company.