Who Has Affordable Auto Insurance Rates for Drivers Over Age 70 in Chula Vista?

The words “economical” and “auto insurance” really shouldn’t be used in the same sentence, especially when you are shopping around for the cheapest car insurance for drivers over age 70. Because of the high cost, let’s start the ball rolling by going over some things that help determine car insurance prices, and find a way to slash the price of your next policy.

The type of vehicle on the policy is one of the biggest factors that determines whether or not you can buy cheaper auto insurance for drivers over age 70. Vehicles with lots of speed or power, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models. The information below showcases car insurance prices for a number of the most economical vehicles to insure in California.

Cheapest Vehicles to Insure in Chula Vista, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $950
Hyundai Elantra GLS Touring Station Wagon $956
Ford Escape XLS 4WD $950
Honda CR-V EX 4WD $966
Toyota Prius $1,040
Ford F-150 STX Regular Cab 2WD $1,052
Ford Explorer Eddie Bauer 2WD $1,068
Ford Edge Limited 2WD $1,112
Chevrolet Equinox LT 2WD $1,128
Toyota Camry LE $1,138
GMC Sierra SLE Regular Cab 2WD $1,128
Nissan Altima 2.5 4-Dr Sedan $1,138
Toyota RAV4 2WD $1,128
Chevrolet Malibu LS $1,138
Dodge Grand Caravan Crew $1,142
Honda Civic LX 4-Dr Sedan $1,170
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,180
Toyota Tacoma X-Runner 2WD $1,186
Chevrolet Impala LTZ $1,194
Toyota Corolla XRS $1,200
Start a Quote Go

Data based on single male driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific garaging location which can influence insurance rates substantially.

Looking at the rates, we can expect models like the Honda Accord, Hyundai Elantra, Ford Escape, and Honda CR-V are going to be a few of the most budget-friendly vehicles to insure for older drivers. The cost of a car insurance policy will tend to be more expensive just because there is a higher risk for drivers over age 70, but generally speaking those makes and models will probably have the least expensive rates possible.

For older drivers, one of the big considerations that are used to help calculate auto insurance rates is where your residence is in Chula Vista. Areas with more people or higher crime rates tend to pay more, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.

The next table ranks the most expensive areas in California for drivers over age 70 to purchase a policy in. Chula Vista shows up at #24 having an annual price of $1,311 on average, which is around $109 per month.

How much is auto insurance in Chula Vista, CA?
Rank City Annual Premium
1 Los Angeles $2,168
2 Glendale $2,079
3 Sacramento $1,720
4 Oakland $1,704
5 San Francisco $1,693
6 San Bernardino $1,644
7 Long Beach $1,578
8 Fontana $1,566
9 Garden Grove $1,554
10 Moreno Valley $1,551
11 Stockton $1,541
12 Santa Clarita $1,533
13 Modesto $1,532
14 Santa Ana $1,497
15 Anaheim $1,488
16 Riverside $1,482
17 Fresno $1,472
18 San Jose $1,437
19 Huntington Beach $1,416
20 Bakersfield $1,381
Find Cheaper Rates Go

Table data uses comparative as the specific geographic location can affect insurance rates greatly.

Impact of violations and accidents on rates

The best way to score affordable insurance prices in Chula Vista for older drivers is to drive safe and avoid accidents and traffic violations. The diagram below shows how speeding tickets and at-fault fender-benders can influence auto insurance costs for each different age category. The rate quotes are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

In the chart above, the average cost of a car insurance policy in California per year with no violations or accidents is $1,978. Get written up for one speeding ticket and the average cost surges to $2,243, an increase of $265 each year. Now add two accidents along with the one speeding ticket and the yearly cost of insurance for drivers over age 70 goes up to an average of $4,627. That’s an increase of $2,649, or $221 per month, just for being a less-than-perfect driver!

Choosing a highly-rated car insurance company can be challenging considering how many companies there are in California. The information below can help you decide which car insurance providers to look at when trying to find cheaper insurance for drivers over age 70. The ratings below only include companies who write in the majority of U.S. states, so companies that may only write in California are not taken into consideration for this list.

Top 15 Insurance Companies for Drivers Over Age 70 in Chula Vista, CA
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

The example below illustrates how choosing a deductible can impact insurance costs when getting quotes for cheap insurance for drivers over age 70. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are factored in.

In the chart above, a 40-year-old driver could lower their car insurance rates by $436 a year by increasing from a $100 deductible up to a $500 deductible, or save $656 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 category, could drop their prices $1,432 annually just by choosing larger deductibles.

When choosing a higher deductible, it is necessary to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

If you prefer to have a professional recommendation when trying to find lower insurance rates for drivers over age 70, the insurance agencies listed below are willing to help you decide which car insurance policy is best.

To find a Chula Vista insurance agent close to you, click the button after the list or click here to compare price quotes.

Carlos Solorzano – State Farm Insurance Agent
1105 Broadway #202Chula Vista, CA 91911(619) 420-7000

Insurance Place – Chula Vista
713 Broadway # AChula Vista, CA 91910(619) 409-7650

Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102Chula Vista, CA 91915(619) 420-1861

Brian Konishi – Allstate Insurance Agent
786 Third AveChula Vista, CA 91910(619) 426-6580

Find a Chula Vista, CA insurance agent near you