Cheapest Car Insurance Quotes for Seniors in California

When discussing auto insurance, the word “cheap” should not appear anywhere to describe car insurance prices. Excuse the oxymoron, but cheap auto insurance for seniors is just plain contradictory. Don’t get your dauber down, because we are going to show you some ways you can still get car insurance that is easy on your budget.

The make and model of vehicle to be insured is a large consideration when comparison shopping for the cheapest car insurance for seniors in California. Vehicles with average performance, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models.

The information below showcases auto insurance costs for a number of the more afforable vehicles to buy coverage for.

Data variables include married male driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price information does not factor in specific location which can revise premium rates substantially.

Looking at the data, we can tell that makes and models like the Honda CR-V, Ford Escape, Chevrolet Traverse, Hyundai Elantra, and Toyota Prius are most likely to be the most affordable vehicles to insure for senior citizens.

For senior citizens, one of the more important factors that is used to help calculate a rate quote is where you choose to live in California. Areas with more people or more claims like Los Angeles, San Francisco, and Oakland tend to pay higher rates, whereas areas with less traffic congestion and claims benefit from lower prices.

The following table rates the most expensive areas in California for seniors to purchase a policy in.

Table data uses comparative as specific California zip code can raise or lower prices greatly.

Deciphering which insurers offer the lowest-priced insurance rates for seniors takes more work in order to find a policy that fits your budget. Every car insurance company has their own process to establish rates, so we’ll take a look at the insurance companies that tend to have lower prices in California.

It’s a good idea to be aware that California insurance rates are impacted by many factors that will increase or decrease the price you have to pay. Improving your credit rating, moving to a different location, or having an accident may cause policy rate changes resulting in some companies being affordable when they were higher priced.

Cheap Insurance Rates for Mature Drivers

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USAA may have some of the cheapest car insurance rates in California at around $1,143 annually. Wawanesa, Century National, CSAA, and Nationwide are also some of the cheapest California auto insurance companies.

As shown in the rates above, if you currently have a policy with Century National and switched to USAA, you may see an annual premium reduction of around $71. Drivers with CSAA might save as much as $79 a year, and Nationwide customers might realize rate reductions of up to $83 a year.

These policy prices are averaged for all ages of drivers and types of vehicles and do not factor in a price discount for seniors. So the auto insurance company that is best for you may not even be included in the rate chart shown above. That’s why you need to quote rates from many companies using your own individual information.

Which major car insurance company is best?

If you are shopping around for car insurance for senior citizens in California, four companies to definitely compare rates with are Progressive, State Farm, Allstate, and Geico. When combined, they make up 48.5% of all car insurance policies in America. The data below compares ratings for price and service, as well as some optional coverages that are available from each company.