The vehicle model requiring insurance is one of the largest factors in finding affordable auto insurance for drivers over age 70. Vehicles with economical engines, excellent safety ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models. The next list showcases insurance costs for a handful of the most economical vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,315 |
| Honda CR-V EX-L 4WD | $1,337 |
| Toyota Prius | $1,442 |
| Ford F-150 XLT Regular Cab 2WD | $1,454 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,460 |
| Dodge Grand Caravan CV | $1,476 |
| Ford Edge SE AWD | $1,537 |
| Chevrolet Impala LS | $1,544 |
| Toyota RAV4 Limited 4WD | $1,559 |
| Chevrolet Equinox LS 2WD | $1,567 |
| Chevrolet Malibu Hybrid | $1,559 |
| Nissan Altima 2.5 4-Dr Sedan | $1,565 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,581 |
| Ford Explorer Limited 2WD | $1,588 |
| Ford Focus SEL 4-Dr Sedan | $1,620 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,622 |
| Hyundai Elantra SE 4-Dr Sedan | $1,642 |
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Premium data assumes single female 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, homeowner, claim-free, and multi-policy. Price estimates do not factor in your specific Stockton, CA location which can lower or raise premiums greatly.
Based upon these rates, you can conclude that vehicles like the Ford Escape, Honda CR-V, Toyota Prius, Ford F-150, and Chevrolet Silverado will definitely be the most budget-friendly vehicles to insure for older drivers. Rates will trend higher because of the fact that there is more liability exposure for drivers over age 70, but overall those particular vehicles will tend to have the lowest insurance prices compared to all other vehicles.
One of the many components that aid in calculating insurance cost is where your car is garaged in Stockton. Larger areas tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.
The table below rates the most costly cities in California for drivers over age 70 in which to buy car insurance. Stockton ranks #10 with the yearly price of $1,541 for the average policyholder, which is about $128 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Garden Grove | $1,570 |
| 9 | Santa Clarita | $1,548 |
| 10 | Stockton | $1,541 |
| 11 | Fontana | $1,535 |
| 12 | Riverside | $1,527 |
| 13 | Santa Ana | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Modesto | $1,487 |
| 16 | Fresno | $1,472 |
| 17 | Anaheim | $1,444 |
| 18 | Fremont | $1,403 |
| 19 | San Jose | $1,381 |
| 20 | Huntington Beach | $1,374 |
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Information shown are approximated as specific Stockton zip code can increase or decrease price quotes noticeably.
Figuring out which company has the lowest-priced insurance rates for drivers over age 70 requires a little more effort than just comparing a company or two. Each company has a proprietary formula to set premium rates, so let’s take a look at the insurance companies that tend to have lower prices in Stockton, CA.
It’s important to know that Stockton insurance rates are impacted by many things that can increase the price of your policy. Simply having a birthday, buying another vehicle, or getting caught speeding can trigger price changes that may make certain companies cheaper than competitors.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,497 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,966 |
| Quote Your Rates Go | ||
USAA generally has some of the cheapest car insurance rates in Stockton at around $1,143 annually. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the cheaper Stockton, CA car insurance companies.
In the above example, if you currently have coverage with Wawanesa and switched to USAA, you might see a yearly price reduction of around $38. Insureds with CSAA could save as much as $55 a year, and Century National insureds might see rate reductions of $83 a year.
It’s important to note that these rates are averages across all types of insureds and vehicles and do not take into consideration an exact vehicle garaging location for drivers over age 70. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That’s why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
Safe drivers pay less for insurance
The ideal way to find the best insurance premiums in California for older drivers is to drive cautiously and avoid accidents and traffic citations. The chart below shows how speeding tickets and at-fault fender-benders can drive up auto insurance rates for different age categories. The costs are based on a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
In the chart above, the average cost of car insurance in California per year with no accidents and a clean driving record is $2,882. Get written up for two speeding tickets and the average cost surges to $3,996, an increase of $1,114 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for drivers over age 70 increases to an average of $5,138. That’s an increase of $2,256, or $188 per month, just for not being a responsible driver!
Choosing the highest-rated insurance company is difficult considering how many different insurance companies sell coverage in California. The ranking information in the lists below could help you choose which insurers you want to consider when insurance shopping for drivers over age 70.
These ratings are for companies that write coverage in many states, so companies that may only write in California will not be included in this list. If you’d like to compare prices from these top insurers and more, just click here.
Top 10 Major Auto Insurance Providers in Stockton Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Don’t stick with an overpriced policy
Stockton insurance rates are impacted by many factors which can substantially change the cost of coverage. Simply getting older, getting married, or getting a reckless driving citation may generate price changes that may make certain companies more affordable than the competition.
Also, insurers modify rates at least once a year to help ensure profitability. Larger than normal claims can result in increased rates, while less frequent claims may cause cheaper Stockton car insurance rates.
To illustrate this point, the data below shows which company has the cheapest car insurance in Stockton, CA for a 35-year-old male driver with no accidents, a clean driving record, and solid credit. If we estimate prices based on his current situation, USAA has the best car insurance rates in Stockton at $1,351 per year. This is $300 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also make the list of the top five cheapest Stockton, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from above some claims, less-than-perfect credit, and a few blemishes on his driving record. Due to the fact that every auto insurer has a different formula to set their prices, comparing quotes may now present a substantially altered list of companies as shown below.
Grange now has the cheapest auto insurance in Stockton, CA with Progressive, Allstate, Allied, and Mercury now being in the top five. This example proves why consumers need to take the time to compare lots of rates when trying to find the lowest auto insurance quotes for drivers over age 70.
Prices are impacted by many different factors and can decrease or increase without notice, so the most economical company when you bought your policy may now be priced much higher than other options.
How to find budget-friendly car insurance for drivers over age 70
The list below shows many money-saving solutions that can help drivers buy low-cost coverage.
- Save money by only buying liability coverage for older vehicles
- Improve your credit
- Accident-free drivers may qualify for discounts
- Save money by bundling your home and auto policies
- Lower rates by purchasing a safer vehicle
- Shop around for cheaper rates regularly
That last idea is extremely significant, as was emphasized in the prior information. Prices charged by car insurance companies change a lot, so drivers shouldn’t hesitate to buy from a new company if you can find a cheaper rate. Many drivers prefer to stick with one company, but we do not recommend it if it’s costing you a small fortune year after year. Take a few minutes and compare prices to find cheaper auto insurance for drivers over age 70 in Stockton.
The auto insurance agents in Stockton shown below can help you make a decision which car insurance policy is best, as many people would rather get some professional advice when comparing insurance rates for older drivers. It can be time-consuming to find coverage yourself, so getting professional guidance from a licensed agent can bring comfort knowing you have suitable coverage if you ever need to use it.
To find a Stockton insurance agent closest to you, click the link at the bottom or click here to compare prices now.
- Farmers Insurance – Brian Craney
42 N Sutter St #208 – Stockton, CA 95202 – (408) 390-4092 - Ramon Fernandez – State Farm Insurance Agent
3443 Deer Park Dr D – Stockton, CA 95219 – (209) 461-0170 - Insurance Services of Stockton
1150 W Robinhood Dr # 1A – Stockton, CA 95207 – (209) 474-6174