Who Has Cheap Auto Insurance for Drivers Over Age 60 in Chula Vista?

The type of vehicle you are insuring is one of the largest factors when looking for affordable car insurance for drivers over age 60. Vehicles with high performance features, a lack of safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models.

The list below showcases auto insurance premiums for a selection of the cheaper vehicles to buy insurance for.

Cheapest Vehicles to Insure in Chula Vista, CA
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 4WD $750
Ford Escape XLS 2WD $755
Jeep Wrangler Sport 4WD 2-Dr $780
Honda Accord EX-L 4-Dr Sedan $812
Toyota Prius $828
Ford Explorer XLT AWD $842
Ford Edge Limited 2WD $872
Toyota RAV4 2WD $888
Chevrolet Equinox LS AWD $893
Chevrolet Impala LT $888
Chevrolet Malibu LS $897
Dodge Grand Caravan Hero $888
Toyota Tacoma Double Cab 4WD $904
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Data based on single female driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in Chula Vista, CA location which can increase or decrease rates significantly.

Based upon these rates, you can figure that makes and models like the Honda CR-V, Ford Escape, Jeep Wrangler, Honda Accord, and Toyota Prius are likely to be the more affordable vehicles to insure for older drivers.

For older drivers, one of the big criteria that are looked at to determine car insurance rates is your zip code in Chula Vista. Cities with larger populations are more likely to have higher rates, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.

The following table ranks the most expensive cities in California for drivers over age 60 to buy car insurance in. Chula Vista ranks #25 with an annual cost of $1,298 for the average insurance policy, which is about $108 per month.

How much is car insurance in Chula Vista?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,079
3 Oakland $1,755
4 Sacramento $1,720
5 San Francisco $1,693
6 Long Beach $1,610
7 San Bernardino $1,596
8 Fontana $1,581
9 Santa Clarita $1,580
10 Stockton $1,556
11 Garden Grove $1,554
12 Riverside $1,527
13 Fresno $1,502
14 Modesto $1,502
15 Moreno Valley $1,491
16 Anaheim $1,488
17 Santa Ana $1,453
18 Fremont $1,403
19 Huntington Beach $1,402
20 Irvine $1,384
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Premium amounts are approximated as specific Chula Vista garaging address can decrease or increase auto insurance rates substantially.

Finding dependable, cheap auto insurance is not always easy, and finding out which companies have the cheapest car insurance rates for drivers over age 60 may require even more work. Each insurance company has their own process to determine rates, so to begin we’ll rank the car insurance companies with the overall cheapest rates in California.

It’s important to understand that Chula Vista car insurance rates are impacted by many factors which can substantially decrease or increase the policy price. Events like turning one year older, buying a different vehicle, or getting a DUI can cause premium changes that can now make some companies way too expensive in comparison to the competition.

Cheapest Insurance Rates for Age 60+

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,181
3 Century National $1,190
4 CSAA $1,198
5 Nationwide $1,213
6 21st Century $1,338
7 Grange $1,477
8 Progressive $1,496
9 Allstate $1,497
10 GEICO $1,513
11 Mercury $1,548
12 The Hartford $1,575
13 Allied $1,588
14 MetLife $1,654
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,733
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $2,026
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USAA may offer some of the best car insurance rates in Chula Vista at around $1,155 annually. Wawanesa, Century National, CSAA, and Nationwide also are some of the most economical Chula Vista, CA car insurance companies.

As the rates illustrate above, if you are a policyholder with Century National and switched to USAA, you might achieve a yearly price reduction of about $35. Customers with CSAA may save as much as $43 a year, and Nationwide policyholders might lower prices by up to $58 a year.

Understand that those prices are averaged for all types of insureds and vehicles and and are not calculated with an exact zip code location for drivers over age 60. So the car insurance company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That point stresses why you need to get rate quotes using your own personalized driver profile and vehicle information.

Violations and accidents raise rates

The obvious way to find cheap car insurance premiums in California for older drivers is to drive carefully and avoid getting tickets or having accidents. The chart below illustrates how violations and accidents can impact insurance premiums for different categories of driver ages. The data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

In the example above, the average cost of auto insurance in California per year with no violations or accidents is $1,849. Factor in one speeding ticket and the average cost surges to $2,088, an increase of $239 each year. Now get one accident along with the one speeding ticket and the 12-month cost of car insurance for drivers over age 60 goes up to an average of $2,744. That’s an increase of $895, or $75 per month, just for being a little careless behind the wheel!

The chart below highlights how deductible selection can impact insurance costs when quoting cheap insurance for drivers over age 60. The rate quotes are based on a single female driver, full coverage, and no discounts are factored in.

The data above shows that a 30-year-old driver could lower rates by $400 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $604 by using a $1,000 deductible. Young drivers, like the age 20 example, have the ability to save up to $888 each year just by using higher deductibles.

If you do raise deductibles, it’s a good idea to have enough in a savings account to be able to cover the extra out-of-pocket expense that comes with higher deductibles.

Get discount Chula Vista auto insurance

Save on car insurance for older drivers in Chula VistaAuto insurance companies that offer cheap quotes for drivers over age 60 may additionally offer rate discounts that could lower prices by as much as 25% or more if you are eligible. Larger car insurance companies and some of the premium reductions they offer are outlined below.

The example below shows the difference between insurance premiums with and without discounts applied to the rates. The price estimates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, homeowner, marriage, passive restraint, claim-free, and multiple policy discounts applied. When discounts are applied, theaverage amount saved on car insurance for drivers over age 60 is 29% or $581.

How to find low-cost car insurance for drivers over age 60

The list below details some of the recommended penny-pinching solutions that can help California drivers get more affordable coverage.

The last tip in the list is certainly important, as was pointed out in the prior article. Coverage rates can change considerably based on profitability, so drivers shouldn’t hesitate to buy a different policy if you find a cheaper price.

Being loyal to a particular company is commendable, but we do not recommend it if that dedication is costing lots of hard earned cash every month. In just a few minutes you could shop around and find cheaper car insurance for drivers over age 60 in Chula Vista.

If you like to have the advice of a professional agent when comparing insurance rates for older drivers, the insurance agencies below are willing to aid you in deciding which policy is best. To find an agent near you, click the button below the list or click here to compare price quotes.

Farmers Insurance: Vega Julio V
799 Third AveChula Vista, CA 91911(619) 426-0554

Bruce Anderson – State Farm Insurance Agent
871 Harold Pl #109Chula Vista, CA 91914(619) 422-3333

Daylight Insurance Brokerage
900 Lane Ave #128Chula Vista, CA 91914(619) 240-7164

More Chula Vista, CA insurance agents