Best Auto Insurance for Seniors in Arizona (Compare the Top 10 Companies in 2024)
The Hartford, USAA, and Geico have the best auto insurance for seniors in Arizona. The Hartford also offers discounts on Arizona auto insurance for members of the American Association of Retired Persons (AARP). At the best companies for AZ seniors, minimum rates start as low as $23/mo for senior drivers.
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Jeff Root
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Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Aug 23, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Full Coverage in Arizona Seniors
A.M. Best Rating
Complaint Level
Pros & Cons
765 reviews
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Full Coverage in Arizona Seniors
A.M. Best Rating
Complaint Level
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6,434 reviews
19,116 reviewsCompany Facts
Full Coverage in Arizona Seniors
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsWe found that The Hartford, USAA, and Geico have the best auto insurance for seniors in Arizona. The Hartford has exclusive AARP discounts and rates at $57/month.
Want more options for senior car insurance? The top 10 companies with the best auto insurance for seniors in Arizona are listed below.
| Company | Rank | UBI Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A+ | Tailored Policies | The Hartford |
 | #2 | 30% | A++ | Military Benefits | USAA |
 | #3 | 25% | A++ | Cheap Rates | Geico |
 | #4 | 30% | B | Customer Service | State Farm |
 | #5 | 40% | A+ | Add-On Coverages | Allstate |
 | #6 | 30% | A+ | Qualifying Coverage | Progressive |
 | #7 | 30% | A | Affinity Discounts | Liberty Mutual |
 | #8 | 30% | A | Discount Selection | Farmers |
 | #9 | 40% | A+ | Infrequent Drivers | Nationwide |
 | #10 | 30% | A | Costco Members | American Family |
Continue reading to learn more about the pros and cons of each Arizona senior auto insurance company.
If you want to start shopping for cheap auto insurance for seniors in Arizona today, enter your ZIP code in our free quote comparison tool.
- The Hartford has the best auto insurance in Arizona for seniors
- USAA has the best auto insurance for AZ military and veteran senior drivers
- AZ senior drivers are one of the most affordable age groups to insure
#1 – The Hartford: Top Pick Overall
Pros
- Tailored Policies: The Hartford works with senior Arizona drivers to personalize policies to meet their needs.
- AARP Discounts: The Hartford offers specialized insurance and discounts to AARP drivers in Arizona.
- Financial Stability: The company has an A+ rating from A.M. Best, so senior Arizona polices will be backed by a financially stable company.
Cons
- Customer Complaints: Arizona senior drivers will find that customers have a few complaints about The Hartford’s customer service.
- Higher Rates: The Hartford rates for senior Arizona drivers are a little higher than some of the other companies on our list. Visit our review of The Hartford to learn more.
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#2 – USAA: Best for Miltary Benefits
Pros
- Military Benefits: Senior military and veteran customers in Arizona qualify for multiple shopping and traveling discounts with their USAA membership.
- Customer Service: USAA is one of the highest-rated companies for customer service on our list of the best Arizona senior companies. Learn more in our USAA review.
- SafePilot Program: Senior drivers in Arizona can join USAA’s free program to earn rewards for good driving habits.
Cons
- No Local Agents: Senior drivers in Arizona won’t be able to visit agents in person.
- Coverage Options: USAA has a decent selection for Arizona seniors, but it is missing some add-ons like modified car coverage.
#3 – Geico: Best for Cheap Rates
Pros
- Cheap Rates: Geico has some of the most affordable rates on average for senior drivers in Arizona at $24/month.
- Mobile App: Geico’s free app is highly rated and makes it simple for Arizona seniors to manage policies and file claims online.
- Extensive Discounts: Senior drivers in Arizona can apply for good driver discounts and more. Visit our Geico review to see what’s offered.
Cons
- No Local Agents: Arizona seniors won’t be able to visit a local agent in person for assistance with their Geico policy or claim.
- Coverage Options: Geico sells most common coverages to Arizona senior drivers, but it is missing a few extras like gap coverage.
#4 – State Farm: Best for Customer Service
Pros
- Customer Service: Senior Arizona drivers can visit local agents stationed around Arizona for personalized support.
- Affordable Rates: State Farm offers some of the cheapest senior auto insurance rates in Arizona. Visit our State Farm auto insurance review to learn more.
- Bundling Discount: Arizona senior customers can also purchase other types of insurance from State Farm for a bundling discount.
Cons
- Coverage Options: Senior drivers in Arizona won’t be able to purchase some add-ons from State Farm, such as gap coverage.
- Financial Stability: With a “B” rating from A.M. Best, State Farm has the lowest rating among the best senior auto insurance companies in Arizona.
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#5 – Allstate: Best for Add-On Coverages
Pros
- Add-On Coverages: Allstate has great extras for senior Arizona drivers, such as gap coverage. For a list of coverages, read our Allstate review.
- Drivewise Program: Senior drivers can join Drivewise for free to earn discounts on Arizona insurance policies.
- Mature Driver Discount: Allstate offers a discount to senior drivers in Arizona who are over 55 and are safe drivers.
Cons
- Customer Complaints: Allstate has more customer complaints than most of the best Arizona companies for seniors on our list.
- Higher Rates: Allstate is one of the more expensive choices for senior drivers in Arizona.
#6 – Progressive: Best for Qualifying Coverage
Pros
- Qualifying Coverage: Progressive offers great coverage that meets state requirements to senior Arizona drivers.
- Affordable Rates: Progressive has affordable rates for senior drivers in Arizona. Visit our Progressive review to learn more about rates.
- Snapshot Program: Arizona senior drivers can earn discounts for safe driving by joining the free Snapshot program.
Cons
- Customer Service Ratings: Progressive’s ratings could be better, as other Arizona senior companies on our list have better customer service satisfaction.
- Adding Young Drivers: Arizona senior drivers who add young drivers to their policy will find Progressive isn’t the cheapest for younger drivers.
#7 – Liberty Mutual: Best for Affinity Discounts
Pros
- Affinity Discounts: Liberty Mutual offers affinity discounts to some senior drivers in Arizona, such as veterans. Visit our Liberty Mutual review for a list of discounts.
- Coverage Options: Liberty Mutual has multiple add-ons for senior drivers in Arizona, from gap coverage to roadside assistance.
- RightTrack Program: Senior drivers can earn discounts on Arizona policies for safe driving through the RightTrack program.
Cons
- Higher Rates: Liberty Mutual is one of the more expensive options for seniors in Arizona.
- Claims Satisfaction: Liberty Mutual’s claim satisfaction ratings are lower than other Arizona senior companies on our list.
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#8 – Farmers: Best for Discount Selection
Pros
- Discount Selection: Senior Arizona drivers have access to plenty of savings with Farmers discount selection. Find out more in our Farmers review.
- Coverage Selection: Farmers has more add-ons available for senior Arizona drivers, such as glass coverage and new car replacement coverage.
- Accident Forgiveness: Farmers forgives an at-fault accident every three years for safe senior drivers in Arizona.
Cons
- Online Options: Senior Arizona drivers may find Farmers’ online tools lacking.
- Customer Service: Arizona senior drivers may find some customer service issues based on a few negative reviews about customer service.
#9 – Nationwide: Best for Infrequent Drivers
Pros
- Infrequent Drivers: Low-mileage senior drivers in Arizona can apply for pay-per-mile insurance at Nationwide with SmartMiles.
- Bundling Discount: Arizona senior drivers can purchase other types of insurance for a discount. Visit our Nationwide review to learn more.
- Accident Forgiveness: Safe senior drivers in Arizona could be forgiven an accident.
Cons
- Claims Satisfaction: Nationwide has low claim satisfaction ratings, which could affect senior Arizona drivers’ customer satisfaction.
- Coverage Options: Senior Arizona drivers will find Nationwide is missing a few add-ons like rideshare insurance.
#10 – American Family: Best for Costco Members
Pros
- Costco Members: Senior Arizona drivers can purchase American Family insurance from Costco for a discounted deal.
- Coverage Selection: Arizona senior drivers have plenty of coverage selection at American Family. Visit our American Family review to see what is offered.
- Discount Selection: Senior drivers in Arizona will have access to plenty of saving opportunities.
Cons
- Customer Service Ratings: American Family isn’t the highest-rated senior driver company in Arizona.
- Claims Ratings: Senior drivers in Arizona may find claims are processed a little slower.
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Senior Auto Insurance Rates in Arizona by Coverage Type
The best companies’ average senior driver rates for minimum and full coverage are displayed below. Not sure which coverage to get? The cheapest companies for full coverage insurance in Arizona for seniors include USAA, Geico, and State Farm.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $67 | $176 |
| American Family | $42 | $111 |
| Farmers | $50 | $132 |
| Geico | $24 | $64 |
| Liberty Mutual | $66 | $174 |
| Nationwide | $43 | $112 |
| Progressive | $31 | $82 |
| State Farm | $30 | $79 |
| The Hartford | $57 | $148 |
| USAA | $23 | $62 |
Senior drivers will need to carry coverage that meets the Arizona minimum auto insurance requirements. Minimum coverage will be the cheapest option for senior drivers, although full coverage will be required on leased vehicles.
Senior drivers may want to carry just Arizona minimum coverage on a vehicle if the vehicle is depreciated in value enough that paying for full coverage would be an unnecessary expense.Dani Best Licensed Insurance Producer
For senior drivers over the age of 65, opting for minimum liability can be a cost-effective choice. However, the downside is that minimum coverage may not fully protect against all potential risks, such as theft, vandalism, or damage in a non-collision incident. On the other hand, full coverage provides more comprehensive protection and peace of mind, but it comes at a higher cost.
If senior drivers want to carry full coverage, there are plenty of auto insurance discounts at the best companies that can help lower rates.
How to Save on the Best Arizona Auto Insurance for Seniors
The best Arizona auto insurance companies for seniors have multiple auto insurance discounts for customers, as you can see in the table below.
Senior drivers who have reduced their annual mileage after retirement may also qualify for a low mileage discount at some of the best companies.
Typically, drivers must drive under 10,000 miles per year to qualify for a low-mileage discount on auto insurance.
Finding the Best Senior Auto Insurance in Arizona for You
The Hartford, USAA, and Geico are our top three picks for the best auto insurance for seniors in Arizona. These companies offer the best Arizona auto insurance for mature drivers, as well as comprehensive coverage options and saving opportunities.
Ready to buy affordable senior auto insurance in Arizona today? Compare rates with our free quote comparison tool to find the best Arizona auto insurance company for you.
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Frequently Asked Questions
What is the best AZ insurance company for seniors?
The Hartford is the best auto insurance company for senior drivers in Arizona.
Who has the cheapest car insurance for seniors in Arizona?
USAA offers the cheapest coverage for military and veteran seniors, and Geico offers the cheapest average rates for non-military and non-veteran seniors. To find the cheapest rates for you, compare rates from multiple companies using our free quote tool.
What is the cheapest auto insurance for seniors in Arizona?
The cheapest type of car insurance for Arizona seniors will be minimum coverage. However, minimum coverage doesn’t cover much in the event of an accident (Learn More: When to Buy More Than Minimum Auto Insurance).
Is AARP auto insurance cheaper than Progressive?
The AARP auto insurance program from The Hartford actually costs more on average than auto insurance from Progressive.
Is USAA auto insurance good for seniors?
Yes, USAA is a great choice for senior drivers in Arizona who are military or veterans.
What age is auto insurance most expensive?
Car insurance is the most expensive for teenagers (Read More: Reasons Auto Insurance Costs More for Young Drivers).
At what age is auto insurance the cheapest?
Generally, drivers will get the lowest rates around age 60.
What is the average cost of auto insurance in AZ?
The average cost of car insurance in Arizona is $46/mo for minimum coverage and $136/mo for full coverage.
What is the best auto insurance for old cars?
Old cars that aren’t classic can usually carry just minimum coverage, which will be the cheapest option. Old cars that are classics should carry classic car insurance.
Which gender pays more for auto insurance in Arizona?
Male drivers tend to pay slightly more on average for AZ car insurance than female drivers.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
