Determining which company offers the lowest-priced car insurance rates for seniors will involve a bit more effort than just quoting one company’s rates. Each insurance company has a unique approach to determine rates, so let’s take a look at the most budget-friendly car insurance companies in Sacramento.
We do need to point out that Sacramento, CA car insurance rates are impacted by many factors that control the price you pay for coverage. Simply having a birthday, buying another vehicle, or getting into an accident may prompt premium changes that can cause some rates to be more affordable than before.
Compare Cheap Insurance Quotes for Mature Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,533 |
| 10 | Allied | $1,541 |
| 11 | Allstate | $1,543 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
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USAA may offer some of the best car insurance rates in Sacramento at around $1,121 annually. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the more affordable Sacramento, CA car insurance companies.
As shown in the table above, if you are a customer of CSAA and switched to Wawanesa, you could realize an annual savings of about $52. Policyholders with Nationwide could save as much as $117 a year, and 21st Century customers might lower prices by $192 a year.
If you want to find out if you’re overpaying, click here to get a free quote or click through to the companies below.
It’s important to note that these premium estimates are averages across all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for seniors. So the company that can offer you the lowest price may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
The make and model of vehicle you are insuring is a large consideration when looking for the lowest-priced coverage for seniors. Vehicles with lots of speed or power, poor passenger safety features, or an increased likelihood of liability claims will cost more to insure than more modest models.
The list below features auto insurance prices for the most cost-effective vehicles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,031 |
| Ford Escape XLS 2WD | $1,039 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,121 |
| Toyota Prius | $1,147 |
| Honda Odyssey EX | $1,193 |
| Ford Edge SEL 2WD | $1,202 |
| Ford Focus S 4-Dr Sedan | $1,193 |
| Toyota Tacoma Double Cab 4WD | $1,219 |
| Jeep Grand Cherokee Laredo 4WD | $1,229 |
| Toyota RAV4 Limited 4WD | $1,219 |
| Chevrolet Malibu Hybrid | $1,229 |
| Ford Explorer Limited 4WD | $1,245 |
| Dodge Grand Caravan Crew | $1,252 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,255 |
| Honda Civic LX-S 4-Dr Sedan | $1,258 |
| Hyundai Elantra SE 4-Dr Sedan | $1,283 |
| Chevrolet Impala LTZ | $1,290 |
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Data based on married female 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, homeowner, claim-free, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes significantly.
Looking at the numbers, you can see that vehicles like the Honda CR-V, Ford Escape, Volkswagen Jetta, and Toyota Prius are going to be the cheaper vehicles to insure for senior citizens.
California car insurance companies
Selecting the highest-rated insurance provider is difficult considering how many companies are available to choose from in California. The company information below may help you choose which insurers to look at when comparing insurance rates for seniors. The rankings below are only made up of large insurance companies, so companies with more of a regional focus are not factored into the list.
| 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 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Sacramento auto insurance rates
Insurance companies that provide policies for seniors may additionally offer policy discounts that may potentially lower prices by 40% or more if you qualify for them. Companies and a selection of discounts can be read below.
- GEICO offers discounts including emergency military deployment, driver training, multi-vehicle, anti-theft, anti-lock brakes, multi-policy, and defensive driver.
- Travelers may include discounts for driver training, early quote, multi-policy, good student, student away at school, continuous insurance, and IntelliDrive.
- Farm Bureau has savings for multi-vehicle, renewal discount, 55 and retired, multi-policy, and good student.
- Liberty Mutual policyholders can earn discounts including newly married, teen driver discount, preferred payment discount, hybrid vehicle, newly retired, and new move discount.
- American Family discounts include Steer into Savings, air bags, mySafetyValet, TimeAway discount, good driver, and multi-vehicle.
- Progressive offers discounts for homeowner, continuous coverage, online quote discount, online signing, multi-vehicle, and multi-policy.
The information below illustrates the comparison of yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, marriage, vehicle safety, defensive driving course, claim-free, and multiple policy discounts applied. In this example, the average amount saved each year on car insurance for seniors is 30% or $790.
Responsible drivers pay cheaper Sacramento car insurance rates
The common sense way to get the cheapest car insurance rates in Sacramento for senior citizens is to drive safely and avoid accidents and traffic citations. The illustration below illustrates how speeding tickets and at-fault fender-benders can drive up car insurance rates for different insured age categories. The premiums assume a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
In the example above, the average cost of car insurance per year with a clean driving record and no accidents is $2,525. Factor in one speeding ticket and the average cost swells to $2,844, an increase of $319 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of car insurance for seniors jumps again to an average of $3,742. That’s an increase of $1,217, or $101 per month, just for not paying attention while driving!
How to find more affordable insurance for seniors
The list below details some of the better money-saving suggestions that can help you quote more affordable coverage.
- Keep your driving record clean
- Remove physical damage coverage on older vehicles
- Do not get into accidents
- Claim-free policyholders usually earn a discount
- Raise physical damage deductibles
- Compare rate quotes often
That last idea is incredibly vital, as was noted in the prior article. Insurance prices vary considerably, so drivers shouldn’t be resistant to buy a different policy if you can save money.
Staying with the same company for years is fine, but is isn’t recommended if your bullheadedness ends up costing you lots of hard earned cash every month. Now is a great time to compare rates to find cheaper auto insurance for seniors in Sacramento.