How Much Does Auto Insurance Cost for Drivers Over Age 60 in Utah?

This article would sure be shorter if we could just tell you the single best car insurance company that has the most affordable insurance in Utah. Unfortunately, it’s not that simple as there are a whole bunch of unknown factors like whether or not you own a home, if you just need liability coverage, and how experienced of a driver you are, that all go into determining the rate you pay. The information below covers the best ways to avoid overpriced car insurance and will give you a good start in finding the cheapest insurance in Utah.

Determining which company has the cheapest insurance rates for drivers over age 60 will take a little more work than just quoting one company’s rates.

Each insurance company has a unique formula for filing rates in each state, so we will examine the overall cheapest insurance companies in Utah.

Lowest Insurance Price Quotes for Age 60+

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Bear River has some of the lowest car insurance rates in Utah at around $590 a year. USAA, Auto-Owners, American Family, and Safeco also are some of the cheapest Utah insurance companies.

As the example above demonstrates, if you are insured with USAA and switched to Bear River, you might achieve a yearly savings of around $201. Utah drivers with Auto-Owners may save as much as $295 a year, and American Family policyholders might lower prices by $403 a year.

To get a quick, customized rate comparison, click here to get quotes or quote rates from the companies below.

Remember that these estimates are averaged across all insureds and vehicles and do not take into consideration a price decrease for drivers over age 60. So the car insurance company that is best suited for you may not even be in the chart above. That’s why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

The vehicle you are seeking coverage for is one of the main factors that determines whether or not you can buy affordable auto insurance for drivers over age 60. Vehicles with more horsepower, poor safety ratings, or a track record of large liability claims will cost significantly more to insure than more economical and safe models. The next table illustrates auto insurance premiums for a number of the cheapest automobiles to insure.

Prices above based on single female driver age 60, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in your specific Utah location which can modify premiums noticeably.

Looking at the rates, you can infer that models like the Ford Escape, Jeep Wrangler, Honda CR-V, and Ford Edge are most likely to be the more affordable vehicles to insure for older drivers.

When shopping for the cheapest car insurance for older drivers, one of the many factors used to establish a rate quote is the neighborhood you call home. Cities with larger populations or higher claims like Taylorsville, West Valley City, and South Jordan tend to have higher auto insurance costs, whereas areas that are not as densely populated have the enjoyment of a little cheaper coverage.

The following table lists the higher priced cities in Utah for drivers over age 60 to buy car insurance in.

Premium amounts are approximated as specific Utah garaging address can alter premiums greatly.

The diagram below illustrates how your choice of deductibles can affect yearly insurance costs when researching cheap insurance for drivers over age 60. The data is based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

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The data above shows that a 40-year-old driver could lower their car insurance rates by $254 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $386 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, could reduce their rates as much as $632 or even more by using higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it is important to have enough funds in savings to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

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

When it comes to buying car insurance, the companies with the most market share are State Farm, Allstate, Geico, and Progressive. When added together, they insure 48.5% of the entire U.S. market share. All of them offer physical damage and liability coverage, but each has a distinct set of features and optional coverages that add value to each policy. The following table rates ratings for price and service, as well as some optional coverages shoppers can expect to find with each one.

How to find cheaper car insurance for drivers over age 60

The list below details some thrifty suggestions that can help you find cheaper auto insurance.

• The safer your car, the less it costs to insure
• Do not file small claims
• Multi-policy discounts save money
• Violations like speeding or DUI increase rates
• At-fault accidents can raise rates significantly
• Compare rates and switch if you can find a better deal

The last tip is extremely important, as we emphasized in this article. Rates fluctuate considerably, so don’t be tentative to change to a new company if you find a better deal. Having a favorite company is great, but it’s not a good idea if that loyalty results in overpaying hundreds every year. It only takes a couple minutes to compare rates and find cheaper auto insurance for drivers over age 60.