Which auto insurance is best for seniors?

According to MoneyGeek data, the best auto insurance for seniors is State Farm due to its affordable rates and excellent customer service reputation.

Is car insurance cheaper as you get older?

The average cost of car insurance is at its highest for 16-year-olds and steadily decreases over time until a driver turns 65. Car insurance companies begin raising rates for seniors, as <a href="https://www.cdc.gov/transportationsafety/older_adult_drivers/index.html#" target="_blank">older adult drivers</a>, have higher crash death rates. Additionally, some age-related changes in visual and physical function as well as some medications, may affect an older adult's driving ability.

The Best Cheap Car Insurance for Seniors in December 2023

The best car insurance for seniors is offered by Travelers at an average cost of $85 per month. State Farm offers the lowest car insurance rates for seniors at approximately $68 per month.

The best car insurance for seniors blends affordability, customer service and financial stability. Rates typically begin to increase when you turn 65, as insurance companies consider seniors slightly riskier to insure than other adult drivers.

Best SeniorCar InsuranceCompanies

2023

Best and Cheapest Car Insurance for Seniors

Best Cheap Car Insurance for Seniors

Best Car Insurance for Seniors - Travelers

Cheapest Car Insurance for Seniors - State Farm

Best for Seniors by Age

Best Car Insurance Rates for Seniors by State

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Best Car Insurance for Seniors with a Ticket - State Farm

Best Car Insurance for Seniors After an Accident - State Farm

Best Car Insurance for Senior Veterans - USAA

Average Senior Car Insurance Rates

How to Lower Premiums as a Senior

Best and Cheapest Car Insurance for Seniors

The best car insurance for seniors is offered by Travelers, costing an average of $1,015 per year for a full coverage policy. For those with budget in mind, State Farm provides the most affordable rates for the same policy, at an average of $819 per year.

Although USAA ranks highly as the best and cheapest car insurance company for seniors, it is only available to active military members, veterans and their families.

For this study, we analyzed the national averages for a full coverage policy of 100/300/100 with a $1,000 deductible for drivers aged 65. We used a weighted ranking system detailed in our methodology to determine the best car insurance providers.

Best and Cheapest Car Insurance for Seniors Nationally

Best Ranking	Cheapest Ranking	Company	Annual Premium	Monthly Premium	Affordability	Customer Satisfaction	Claim Satisfaction	Coverage Offerings	Financial Stability
1	1	USAA	$658	$55	4.69	4.95	2.50	2.50	5.00
4	2	State Farm	$819	$68	4.35	3.90	2.10	2.50	5.00
7	3	Nationwide	$856	$71	4.27	2.98	2.40	3.75	4.00
5	4	GEICO	$923	$77	4.13	3.74	2.20	2.50	5.00
2	5	Travelers	$1,015	$85	3.93	3.56	2.50	3.75	5.00
3	6	Progressive	$1,088	$91	3.78	3.28	2.40	3.75	4.00
8	7	Allstate	$1,143	$95	3.66	3.20	1.90	3.75	4.00
6	8	Farmers	$1,160	$97	3.63	3.38	2.30	3.63	3.00

Best Car Insurance for Seniors: Travelers

pros

Average annual rate of $1,015

Offers affordable premiums for seniors

Strong ability to pay claims

cons

May not cover a policyholder’s losses

COMPANY HIGHLIGHTS

Travelers is our pick for the best car insurance for seniors. Although this company doesn’t have unique optional coverages, it offers rare discounts that many of its competitors do not.

With Travelers, policyholders can purchase common add-on coverages like accident forgiveness and roadside assistance. Accident forgiveness can help prevent premium increases after an accident, while roadside assistance provides certain services for unexpected car troubles.

Travelers also provide discounts for lower car insurance premiums. Seniors may earn a loyalty discount if they hold car insurance continuously with Travelers with no gaps in their coverage. Policyholders may also earn a discount if they own a home or condo or have been claims-free for three to five years.

Read MoneyGeek's Travelers Auto Insurance Review

Cheapest Car Insurance for Seniors: State Farm

pros

Average annual rate of $819

Cheaper than most national providers for seniors

Great record of meeting financial obligations

cons

Lacks some essential coverages

COMPANY HIGHLIGHTS

State Farm offers the cheapest car insurance for seniors. It also provides its policyholders some common add-on coverages to supplement their policies and discounts to significantly reduce their monthly premiums. In addition to online services, State Farm also has a national network of local agencies to conduct business in person.

In terms of optional coverages, State Farm offers rental car and/or travel reimbursement and roadside assistance. The former pays for car rental expenses up to your specified limit and travel expenses up to $500 if your vehicle isn’t drivable due to damage, while the latter covers towing and labor services if you are experiencing car issues on the road.

Depending on your driver profile, you may earn a discount to make your State Farm policy more affordable. For instance, if you are a senior driver or have been accident-free for three straight years, you may qualify for a discount. You may also get a discount for airbags, anti-lock brakes and anti-theft systems. One of the best ways to save with State Farm is through bundling another policy such as home or life insurance.

Read MoneyGeek's State Farm Auto Insurance Review

Finding the best car insurance rates for seniors is not a one-size-fits-all process. Each car insurance company evaluates drivers based on their personalized factors — your age, location, vehicle type, driving history and credit-based insurance score. Therefore, getting customized quotes from several companies is important for finding the cheapest car insurance available.

The Best Car Insurance for Seniors by Age

We ranked the best car insurance for seniors by age and listed the average monthly and annual premiums for each national provider in the table below.

For many aging adults, retirement is an important phase of life where they can live comfortably without receiving a regular paycheck. While retiring may not directly affect your car insurance premiums, it can change your lifestyle or the type of insurance you seek. For instance, decreased driving from no longer going to work can reduce your premium.

If you plan to travel by driving during retirement, note that travel can increase both your annual mileage and car insurance rates. But if you intend to store your vehicle while you travel, consider getting a storage plan or lower coverages. It’s inadvisable to cancel your policy as your rates may increase due to a lapse in coverage.

Best Car Insurance Companies for Seniors by Age

Age	Company	Annual Premium	Monthly Premium	Affordability	Customer Satisfaction	Claim Satisfaction	Available Offerings	Financial Stability
55	State Farm	$1,201	$100	2.37	3.93	2.10	2.50	5.00
60	Travelers	$1,638	$137	2.70	3.58	2.51	3.75	5.00
65	State Farm	$1,140	$95	3.09	3.93	2.10	2.50	5.00
70	State Farm	$1,188	$99	3.20	3.93	2.10	2.50	5.00
75	State Farm	$1,289	$107	3.24	3.93	2.10	2.50	5.00
80	State Farm	$1,412	$118	3.22	3.93	2.10	2.50	5.00
85	State Farm	$1,537	$128	3.25	3.93	2.10	2.50	5.00
90	GEICO	$1,566	$131	3.38	3.77	2.16	2.50	5.00

Best Car Insurance Rates for Seniors by State

Because insurance is regulated by states, how much you’ll pay for car insurance may vary based on your location. Furthermore, the cheapest car insurance for seniors may be different in your state than the cheapest option at the national level.

Use the table below to find the most affordable provider for full coverage or minimum coverage policy by state. Our car insurance comparison tool can help you compare your preferred insurers and determine which is better suited to your needs.

Best Car Insurance Rates and Providers by State

State

Coverage

Cheapest Ranking	Provider	Annual Premium	Monthly Premium
1	Cincinnati Insurance	$581	$48
1	State Farm	$644	$54
1	Travelers	$689	$57
1	Hanover	$551	$46
1	AAA California	$991	$83
1	American National P&C	$532	$44
1	GEICO	$683	$57
1	State Farm	$817	$68
1	GEICO	$715	$60
1	State Farm	$970	$81
1	Country Financial	$580	$48
1	GEICO	$565	$47
1	American National P&C	$307	$26
1	Country Financial	$610	$51
1	State Farm	$530	$44
1	State Farm	$448	$37
1	Nationwide	$596	$50
1	Cincinnati Insurance	$670	$56
1	State Farm	$1,257	$105
1	Concord Group	$498	$41
1	Progressive	$857	$71
1	State Farm	$369	$31
1	Chubb	$798	$67
1	Iowa Farm Bureau	$694	$58
1	Direct General Insurance	$639	$53
1	Nationwide	$860	$72
1	Progressive	$399	$33
1	American National P&C	$381	$32
1	CSAA	$840	$70
1	State Farm	$500	$42
1	NJM	$798	$66
1	State Farm	$607	$51
1	Kemper	$766	$64
1	Nationwide	$514	$43
1	Nodak Mutual	$514	$43
1	Nationwide	$448	$37
1	State Farm	$579	$48
1	State Farm	$656	$55
1	Nationwide	$508	$42
1	State Farm	$712	$59
1	American National P&C	$482	$40
1	Nationwide	$702	$58
1	State Farm	$516	$43
1	Texas Farm Bureau	$629	$52
1	Nationwide	$670	$56
1	State Farm	$449	$37
1	Nationwide	$651	$54
1	PEMCO	$569	$47
1	Erie	$773	$64
1	State Farm	$568	$47
1	State Farm	$646	$54
2	Nationwide	$641	$53
2	GEICO	$659	$55
2	Root Insurance Company	$730	$61
2	State Farm	$564	$47
2	State Farm	$1,020	$85
2	GEICO	$765	$64
2	Amica Mutual	$855	$71
2	Travelers	$864	$72
2	Erie	$827	$69
2	GEICO	$1,128	$94
2	Auto-Owners Insurance Co	$822	$69
2	State Farm	$624	$52
2	State Farm	$341	$28
2	American Family	$684	$57
2	American Family	$540	$45
2	West Bend Mutual	$545	$45
2	State Farm	$749	$62
2	Auto-Owners Insurance Co	$717	$60
2	Louisiana Farm Bureau	$1,292	$108
2	Vermont Mutual	$533	$44
2	GEICO	$1,070	$89
2	Vermont Mutual	$533	$44
2	Travelers	$840	$70
2	State Farm	$695	$58
2	Mississippi Farm Bureau	$656	$55
2	State Farm	$874	$73
2	State Farm	$565	$47
2	Auto-Owners Insurance Co	$641	$53
2	Capital Insurance Group	$861	$72
2	Concord Group	$552	$46
2	Plymouth Rock Assurance	$889	$74
2	Nationwide	$664	$55
2	Progressive	$997	$83
2	Erie	$619	$52
2	GEICO	$543	$45
2	American Family	$464	$39
2	Progressive	$814	$68
2	Country Financial	$748	$62
2	Travelers	$570	$48
2	Travelers	$872	$73
2	South Carolina Farm Bureau	$781	$65
2	State Farm	$705	$59
2	Auto-Owners Insurance Co	$573	$48
2	State Farm	$632	$53
2	Auto-Owners Insurance Co	$729	$61
2	Vermont Mutual	$525	$44
2	State Farm	$684	$57
2	Capital Insurance Group	$622	$52
2	State Farm	$844	$70
2	Nationwide	$577	$48
2	Farmers	$789	$66
3	Country Financial	$679	$57
3	Umialik Insurance	$859	$72
3	Auto-Owners Insurance Co	$736	$61
3	South Carolina Farm Bureau	$590	$49
3	Louisiana Farm Bureau	$590	$49
3	Southern Farm Bureau	$590	$49
3	GEICO	$1,075	$90
3	State Farm	$824	$69
3	State Farm	$869	$72
3	GEICO	$931	$78
3	Progressive	$1,042	$87
3	Travelers	$1,311	$109
3	GEICO	$919	$77
3	21st Century	$664	$55
3	Auto-Owners Insurance Co	$399	$33
3	Auto-Owners Insurance Co	$702	$59
3	Auto-Owners Insurance Co	$572	$48
3	Auto-Owners Insurance Co	$613	$51
3	Iowa Farm Bureau	$760	$63
3	Nationwide	$733	$61
3	GEICO	$1,573	$131
3	State Farm	$548	$46
3	Erie	$1,160	$97
3	GEICO	$572	$48
3	GEICO	$899	$75
3	American Family	$773	$64
3	Progressive	$684	$57
3	American Family	$932	$78
3	Nationwide	$800	$67
3	Farmers Mutual of Nebraska	$694	$58
3	State Farm	$884	$74
3	Nationwide	$624	$52
3	GEICO	$923	$77
3	GEICO	$868	$72
3	American Family	$1,260	$105
3	State Farm	$646	$54
3	American Family	$551	$46
3	Auto-Owners Insurance Co	$518	$43
3	GEICO	$827	$69
3	Nationwide	$783	$65
3	Auto-Owners Insurance Co	$646	$54
3	American Family	$1,187	$99
3	Auto-Owners Insurance Co	$842	$70
3	Kemper	$713	$59
3	Cincinnati Insurance	$705	$59
3	Allstate	$793	$66
3	Farmers Union Insurance	$821	$68
3	American Family	$618	$51
3	American Family	$705	$59
3	Kemper	$647	$54
3	GEICO	$941	$78
3	GEICO	$579	$48
3	Allstate	$931	$78
4	Allstate	$790	$66
4	Allstate	$1,068	$89
4	State Farm	$829	$69
4	Auto-Owners Insurance Co	$705	$59
4	Progressive	$1,087	$91
4	American Family	$835	$70
4	Nationwide	$1,022	$85
4	Progressive	$1,235	$103
4	State Farm	$1,054	$88
4	Nationwide	$1,317	$110
4	State Farm	$952	$79
4	Island Insurance Group	$871	$73
4	Idaho Farm Bureau	$559	$47
4	State Farm	$745	$62
4	GEICO	$580	$48
4	American Family	$638	$53
4	American Family	$766	$64
4	State Farm	$747	$62
4	Progressive	$2,126	$177
4	Travelers	$578	$48
4	State Farm	$1,286	$107
4	Hanover	$659	$55
4	Progressive	$983	$82
4	Westfield	$847	$71
4	State Farm	$743	$62
4	Allstate	$1,016	$85
4	Allstate	$919	$77
4	Shelter	$893	$74
4	Nationwide	$995	$83
4	Vermont Mutual	$770	$64
4	Amica Mutual	$1,020	$85
4	Farmers	$885	$74
4	Erie	$1,390	$116
4	North Carolina Farm Bureau	$708	$59
4	State Farm	$606	$51
4	Erie	$521	$43
4	Mercury	$860	$72
4	GEICO	$864	$72
4	State Farm	$668	$56
4	Nationwide	$1,256	$105
4	State Farm	$970	$81
4	Farmers Mutual of Nebraska	$724	$60
4	Erie	$714	$60
4	Nationwide	$917	$76
4	GEICO	$835	$70
4	GEICO	$663	$55
4	Auto-Owners Insurance Co	$720	$60
4	State Farm	$792	$66
4	Westfield	$951	$79
4	Auto-Owners Insurance Co	$616	$51
4	GEICO	$1,105	$92
5	State Farm	$794	$66
5	Progressive	$1,266	$106
5	GEICO	$855	$71
5	Nationwide	$744	$62
5	Mercury	$1,193	$99
5	Auto-Owners Insurance Co	$925	$77
5	Kemper	$1,083	$90
5	Allstate	$1,711	$143
5	Chubb	$1,274	$106
5	Mercury	$1,540	$128
5	Allstate	$961	$80
5	Allstate	$927	$77
5	Nationwide	$581	$48
5	Mercury	$762	$64
5	Westfield	$655	$55
5	Westfield	$667	$56
5	Auto-Owners Insurance Co	$817	$68
5	Kentucky Farm Bureau	$805	$67
5	AAA	$2,308	$192
5	Countryway Insurance	$640	$53
5	Kemper	$1,306	$109
5	Plymouth Rock Assurance	$752	$63
5	Pioneer State Mutual Ins Co	$1,118	$93
5	Auto-Owners Insurance Co	$887	$74
5	Nationwide	$846	$71
5	Travelers	$1,051	$88
5	Farmers	$986	$82
5	Iowa Farm Bureau	$942	$78
5	Mercury	$1,197	$100
5	GEICO	$811	$68
5	Allstate	$1,228	$102
5	Progressive	$1,005	$84
5	State Farm	$1,429	$119
5	GEICO	$912	$76
5	Nationwide	$622	$52
5	Grange Insurance	$567	$47
5	Shelter	$920	$77
5	American Family	$890	$74
5	American National P&C	$699	$58
5	Allstate	$1,347	$112
5	American Family	$1,028	$86
5	Allstate	$761	$63
5	Farmers	$732	$61
5	Mercury	$939	$78
5	State Farm	$841	$70
5	Concord Group	$691	$58
5	Erie	$725	$60
5	Chubb	$857	$71
5	Nationwide	$980	$82
5	American Family	$688	$57
6	GEICO	$818	$68
6	Hartford	$859	$72
6	Farmers	$744	$62
6	Allstate	$1,229	$102
6	Allstate	$969	$81
6	Allstate	$1,238	$103
6	American Family	$1,743	$145
6	Allstate	$1,656	$138
6	Progressive	$1,931	$161
6	Mercury	$1,004	$84
6	Progressive	$1,243	$104
6	American Family	$586	$49
6	GEICO	$769	$64
6	Farmers	$710	$59
6	Allstate	$683	$57
6	Shelter	$848	$71
6	Travelers	$886	$74
6	Allstate	$3,436	$286
6	GEICO	$686	$57
6	Travelers	$1,466	$122
6	Allstate	$784	$65
6	Encompass	$1,164	$97
6	Nationwide	$909	$76
6	Travelers	$956	$80
6	Progressive	$1,312	$109
6	GEICO	$1,224	$102
6	GEICO	$968	$81
6	GEICO	$1,221	$102
6	Safety Group	$844	$70
6	State Farm	$1,264	$105
6	Allstate	$1,053	$88
6	GEICO	$1,595	$133
6	National General	$948	$79
6	Grinnell Mutual	$754	$63
6	GEICO	$597	$50
6	Farmers	$921	$77
6	Travelers	$945	$79
6	Erie	$700	$58
6	Amica Mutual	$1,443	$120
6	GEICO	$1,046	$87
6	Auto-Owners Insurance Co	$820	$68
6	Tennessee Farm Bureau	$749	$62
6	GEICO	$975	$81
6	American Family	$892	$74
6	Nationwide	$708	$59
6	Mercury	$741	$62
6	Travelers	$867	$72
6	Allstate	$1,267	$106
6	Travelers	$703	$59
7	Travelers	$821	$68
7	Progressive	$934	$78
7	GEICO	$759	$63
7	CSAA	$1,234	$103
7	Progressive	$970	$81
7	Progressive	$1,260	$105
7	Dairyland	$3,901	$325
7	Nationwide	$1,709	$142
7	Farmers	$1,963	$164
7	Progressive	$1,124	$94
7	GEICO	$691	$58
7	Westfield	$831	$69
7	Nationwide	$753	$63
7	Iowa Farm Bureau	$691	$58
7	Travelers	$898	$75
7	Progressive	$949	$79
7	Progressive	$701	$58
7	Nationwide	$1,476	$123
7	Arbella	$809	$67
7	Auto-Owners Insurance Co	$1,409	$117
7	AAA	$916	$76
7	Shelter	$979	$82
7	Shelter	$1,341	$112
7	Kemper	$1,323	$110
7	Allstate	$977	$81
7	American Family	$1,291	$108
7	Allstate	$924	$77
7	Travelers	$1,269	$106
7	Iowa Farm Bureau	$1,164	$97
7	Chubb	$1,948	$162
7	Progressive	$1,076	$90
7	Auto-Owners Insurance Co	$818	$68
7	Progressive	$635	$53
7	Allstate	$930	$77
7	Progressive	$1,017	$85
7	Allstate	$726	$60
7	Progressive	$1,495	$125
7	Allstate	$1,220	$102
7	Farmers	$830	$69
7	Westfield	$751	$63
7	AAA Texas	$1,207	$101
7	Iowa Farm Bureau	$921	$77
7	Allstate	$752	$63
7	Virginia Farm Bureau	$748	$62
7	GEICO	$925	$77
7	Progressive	$1,321	$110
7	Erie	$737	$61
8	Farmers	$904	$75
8	Iowa Farm Bureau	$952	$79
8	Travelers	$835	$70
8	National General	$1,238	$103
8	Nationwide	$970	$81
8	Hanover	$4,109	$342
8	Allstate	$2,005	$167
8	Farmers	$705	$59
8	Erie	$847	$71
8	Grange Insurance	$762	$63
8	Progressive	$705	$59
8	GEICO	$903	$75
8	Westfield	$1,063	$89
8	Allstate	$767	$64
8	Allstate	$1,628	$136
8	American Family	$817	$68
8	Farm Bureau Ins of MI	$1,484	$124
8	West Bend Mutual	$971	$81
8	GEICO	$1,048	$87
8	AAA	$1,387	$116
8	IMT Insurance Company	$1,020	$85
8	Farmers	$1,296	$108
8	Progressive	$1,025	$85
8	Progressive	$1,354	$113
8	Kemper	$1,425	$119
8	Allstate	$1,955	$163
8	Allstate	$1,159	$97
8	Farmers	$840	$70
8	Cincinnati Insurance	$651	$54
8	Oklahoma Farm Bureau	$979	$82
8	Capital Insurance Group	$1,071	$89
8	Westfield	$813	$68
8	GEICO	$1,505	$125
8	Travelers	$1,241	$103
8	American Family	$834	$69
8	Grange Insurance	$794	$66
8	Chubb	$1,220	$102
8	Progressive	$940	$78
8	Progressive	$820	$68
8	Cincinnati Insurance	$749	$62
8	Nationwide	$982	$82
8	IMT Insurance Company	$767	$64
9	Auto-Owners Insurance Co	$954	$79
9	Farmers	$998	$83
9	Shelter	$870	$73
9	Nationwide	$1,330	$111
9	Colorado Farm Bureau	$1,021	$85
9	Direct General Insurance	$2,247	$187
9	Travelers	$787	$66
9	Progressive	$860	$72
9	Indiana Farm Bureau	$766	$64
9	GEICO	$738	$62
9	Progressive	$1,018	$85
9	Allstate	$1,082	$90
9	Bristol West	$1,449	$121
9	Amica Mutual	$1,003	$84
9	State Farm	$2,031	$169
9	GEICO	$979	$82
9	Allstate	$1,079	$90
9	GEICO	$1,479	$123
9	AAA	$1,040	$87
9	Progressive	$1,335	$111
9	MAPFRE	$1,040	$87
9	Mercury	$1,523	$127
9	Travelers	$2,726	$227
9	Kemper	$1,183	$99
9	Progressive	$894	$75
9	Farmers	$678	$57
9	Home State Ins Group	$1,322	$110
9	Kemper	$1,253	$104
9	Chubb	$1,005	$84
9	Progressive	$1,374	$115
9	GEICO	$1,007	$84
9	Nationwide	$816	$68
9	Progressive	$1,398	$117
9	Farmers	$1,085	$90
9	Travelers	$845	$70
9	American Family	$1,003	$84
9	AAA	$786	$66
10	Progressive	$1,216	$101
10	CSAA	$1,006	$84
10	AAA	$936	$78
10	Capital Insurance Group	$1,336	$111
10	Farmers	$1,187	$99
10	Allstate	$852	$71
10	Travelers	$883	$74
10	Progressive	$767	$64
10	Travelers	$745	$62
10	Farmers Union Insurance	$1,031	$86
10	GEICO	$1,086	$91
10	Chubb	$1,049	$87
10	Westfield	$2,053	$171
10	Travelers	$1,042	$87
10	Kemper	$2,231	$186
10	Farmers	$1,087	$91
10	Country Financial	$1,468	$122
10	Hanover	$3,662	$305
10	New Jersey Skylands Insurance	$1,804	$150
10	Hanover	$4,267	$356
10	Allstate	$967	$81
10	Travelers	$692	$58
10	Farmers	$1,274	$106
10	GEICO	$1,305	$109
10	Bristol West	$2,631	$219
10	Western National	$1,045	$87
10	GEICO	$862	$72
10	Foremost	$1,598	$133
10	Allstate	$1,187	$99
10	Allstate	$979	$82
10	Allstate	$1,027	$86
10	West Bend Mutual	$842	$70
11	Mercury	$1,008	$84
11	Allstate	$966	$80
11	Hartford	$1,356	$113
11	Kemper	$1,217	$101
11	Dairyland	$1,230	$103
11	AAA	$930	$78
11	Travelers	$789	$66
11	IMT Insurance Company	$758	$63
11	Farmers	$1,039	$87
11	Grange Insurance	$1,245	$104
11	Safety Group	$1,194	$100
11	Farmers	$2,280	$190
11	Farmers Union Insurance	$1,083	$90
11	Progressive	$1,134	$95
11	Travelers	$1,488	$124
11	Foremost	$2,131	$178
11	Mercury	$5,330	$444
11	Westfield	$773	$64
11	Allstate	$1,406	$117
11	Progressive	$1,407	$117
11	Dairyland	$3,683	$307
11	Iowa Farm Bureau	$1,102	$92
11	Chubb	$887	$74
11	Dairyland	$1,697	$141
11	Kemper	$1,708	$142
11	Progressive	$1,002	$83
11	Farmers	$1,060	$88
11	Acuity	$876	$73
12	Allstate	$1,087	$91
12	Progressive	$1,048	$87
12	State National	$1,399	$117
12	Farmers Union Insurance	$1,248	$104
12	Allstate	$1,042	$87
12	Allstate	$937	$78
12	Farmers	$785	$65
12	Allstate	$1,187	$99
12	Shelter	$1,597	$133
12	Progressive	$1,202	$100
12	Grange Insurance	$2,441	$203
12	Allstate	$1,189	$99
12	State Farm	$1,156	$96
12	Allstate	$1,722	$144
12	Hanover	$3,226	$269
12	Allstate	$811	$68
12	Dairyland	$2,272	$189
12	Dairyland	$2,050	$171
12	Progressive	$1,126	$94
12	Travelers	$915	$76
12	National General	$1,764	$147
12	GEICO	$1,033	$86
12	Progressive	$1,190	$99
12	Allstate	$878	$73
13	Country Financial	$1,216	$101
13	Alfa	$1,115	$93
13	Travelers	$1,506	$126
13	Acuity	$1,328	$111
13	Grange Insurance	$1,186	$99
13	Grange Insurance	$816	$68
13	Dairyland	$1,938	$162
13	Travelers	$1,396	$116
13	Hanover	$4,332	$361
13	Western National	$1,201	$100
13	Nevada General Insurance	$2,138	$178
13	State Farm	$2,549	$212
13	Allstate	$958	$80
13	National General	$1,702	$142
13	National General	$1,552	$129
13	Progressive	$881	$73
14	Nationwide	$1,243	$104
14	Home State Ins Group	$1,696	$141
14	Farmers	$1,659	$138
14	Hanover	$1,253	$104
14	Grinnell Mutual	$906	$76
14	Country Financial	$1,407	$117
14	Kemper	$3,526	$294
14	Progressive	$1,065	$89
14	Kemper	$2,192	$183
14	Dairyland	$2,895	$241
14	Farmers	$883	$74
15	The General	$2,862	$239
15	Dairyland	$1,863	$155
15	Kemper	$1,874	$156
15	Western National	$1,026	$86
15	Dairyland	$3,609	$301
15	American National P&C	$1,069	$89
15	Chubb	$1,023	$85
16	Chubb	$1,929	$161
16	Western National	$1,164	$97
17	Kemper	$1,429	$119
18	Dairyland	$2,069	$172

Best Car Insurance Rates for Seniors With a DUI: State Farm

Having a DUI, DWI or OWI on your record will adversely affect your car insurance rates for an unspecified period. For seniors with a DUI on their driving record, State Farm offers the lowest car insurance rates for most drivers. A full coverage policy from State Farm costs approximately $94 per month or $1,129 per year.

While USAA does offer the cheapest rates for a senior driver with a DUI, this insurer only provides policies to those who are eligible for those a military association.

The table below shows how national providers stack up for the best and cheapest providers for a senior with a DUI on record. Learn more about how we determine the best providers in our methodology.

Best Car Insurance Rates for a Senior With a DUI

Company	Annual Premium	Monthly Premium	Cheapest Ranked Company	Best Ranked Company
State Farm	$1,129	$94	1	2
USAA	$1,234	$103	2	1
Progressive	$1,506	$125	3	4
Farmers	$1,675	$140	4	5
Allstate	$1,714	$143	5	7
Nationwide	$1,779	$148	6	6
Travelers	$1,788	$149	7	3
GEICO	$2,551	$213	8	8

Best Car Insurance for Seniors With a DUI

pros

Average rate of $1,129 per year for full coverage with a DUI

Most affordable national provider in our comparison group

Scored well on J.D. Power reports and customer complaint levels

cons

May not accept a policyholder’s filed claim

COMPANY HIGHLIGHTS

State Farm offers the cheapest car insurance for seniors with a DUI on record. Drivers can supplement their policies with common add-on coverages and reduce their rates through discounts.

State Farm only offers optional coverages that policyholders can add to their policy. Among them is roadside assistance, which pays for towing services, locksmith services, mechanical labor or delivery of gas, oil, a battery or tires.

This insurer also provides discounts that can lower car insurance premiums, especially if you are a senior driver with a DUI on record. For instance, you can earn a defensive driving discount if you complete a defensive driving course.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance Rates for Seniors With a Ticket: State Farm

Having a recent traffic citation on your record — or several tickets over the years — can increase your car insurance costs. Our analysis found that State Farm offers the cheapest car insurance for seniors with a ticket, costing an average of $77 per month or $925 per year for full coverage.

USAA is the least expensive provider for seniors with a ticket, but its policies are only available to military families.

The table below shows how national providers stack up for the best and cheapest providers for a senior with a ticket on record. Learn more about how we determine the best providers in our methodology.

Best Car Insurance Rates for a Senior With a Ticket

Company	Annual Premium	Monthly Premium	Cheapest Ranked Company	Best Ranked Company
USAA	$787	$66	1	1
State Farm	$925	$77	2	2
Nationwide	$1,082	$90	3	5
GEICO	$1,236	$103	4	4
Allstate	$1,347	$112	5	7
Travelers	$1,450	$121	6	3
Farmers	$1,503	$125	7	8
Progressive	$1,511	$126	8	6

Best Car Insurance for Seniors With a Ticket

pros

Average rate of $925 per year for full coverage car insurance with a ticket

More affordable than other national providers for seniors with a ticket

Great record of meeting financial obligations with claims

cons

Lacks several add-on coverages

COMPANY HIGHLIGHTS

For seniors with a ticket, State Farm is the cheapest option for car insurance. This company offers affordable rates after getting a ticket on your record and various discounts to further reduce your premiums.

With State Farm, you can add rideshare insurance to your policy. This makes sure that the medical, emergency roadside assistance and rental car reimbursement in your auto policy remain in effect while working for a ridesharing company. It also puts your policy deductible into effect, even if you’re working for a Transportation Network Company (TNC).

State Farm also offers plenty of discounts to combat increased rates due to a ticket. These include discounts for seniors, anti-theft systems and anti-lock brakes. You may also earn a discount on medical payments if you are driving a vehicle made in 1994 or later.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance Rates for Seniors After an Accident: State Farm

According to the Insurance Institute for Highway Safety, Highway Loss Data Institute, drivers aged 70 and above have higher accident frequency per mile than middle-aged adults.

For seniors with an accident on record, State Farm is the least expensive car insurance provider. On average, a full coverage policy costs $84 per month or $1,004 per year.

The table below shows how national providers stack up for the best and cheapest providers for a senior with an accident on record. Learn more about how we determine the best providers in our methodology.

Best Car Insurance Rates for a Senior After an Accident

Company	Annual Premium	Monthly Premium	Cheapest Ranked Company	Best Ranked Company
State Farm	$1,004	$84	1	2
USAA	$1,005	$84	2	1
Nationwide	$1,310	$109	3	5
Travelers	$1,548	$129	4	3
GEICO	$1,593	$133	5	4
Allstate	$1,631	$136	6	7
Farmers	$1,892	$158	7	8
Progressive	$1,910	$159	8	6

Best Car Insurance for Seniors After an Accident

pros

Average rate of $1,004 per year for full coverage with an accident

Cheapest national provider in our comparison group

Above-average customer satisfaction

cons

May not process claims in some instances

COMPANY HIGHLIGHTS

The cheapest car insurance for seniors with an accident on record is offered by State Farm. Aside from being affordable, this company provides optional coverages and offers various discounts.

Among the optional coverages you can purchase from State Farm is rental car and/or travel reimbursement. This covers car rental expenses up to chosen limits and travel expenses — such as meals, lodging and transportation — up to $500. It also pays up to $500 for the deductible if you are responsible for an accident in your rental car.

In terms of discounts, State Farm offers both unique and common discounts to reduce premiums if you have an accident on record. These include discounts for seniors and retired individuals, daytime running lights or a new vehicle.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance for Senior Veterans: USAA

Many car insurance companies offer veteran-specific discounts. For instance, GEICO provides a military discount of up to 15% for active-duty military members, veterans or reserve military members. Liberty Mutual also has a military discount for active, reserve or retired military members. Meanwhile, Farmers offers an affinity discount to active duty, active reserves, and honorably discharged veterans. Ask your insurer about veteran discounts that may apply to you.

Overall, USAA consistently ranked as the best car insurance provider for senior veterans and their families, costing an average of $994 per year.

Best Car Insurance for Senior Veterans

pros

Average annual rate of $994

Cheapest among other national providers for veterans

Above-average customer service

cons

Lacks some essential add-on coverages

COMPANY HIGHLIGHTS

Senior veterans may find USAA is their best option for car insurance. It offers common optional coverages like accident forgiveness and various discounts to reduce insurance payments.

With USAA, you can purchase accident forgiveness, which prevents a rate increase after your first at-fault accident if you have been accident-free for five years with USAA. However, this optional coverage is not available in some states. It also offers rental car and/or travel reimbursement, which pays for a rental car if your vehicle is being repaired after a covered loss.

This insurer also provides plenty of discount opportunities to make its policies even more affordable. For example, you can earn a military discount if you garage your vehicle on base. You can also get a discount for taking an approved driver safety course.

Read MoneyGeek's USAA Auto Insurance Review

Average Senior Car Insurance Rates by Coverage Type

Senior car insurance coverage ranges from basic liability car insurance coverage, usually required by state law to full coverage car insurance for damages and expenses for both you and the other driver if you are at fault. Full coverage also protects you when it comes to damage to your car not sustained in a car accident and theft. How much coverage you need depends on your circumstances, but full coverage with higher maximum limits could protect your nest egg.

Common coverage is 100/300/100 with a $1,000 deductible. 100/300/100 is shorthand for $100,000 per person, $300,000 per accident in bodily injury liability and $100,000 per property damage liability. A deductible is an amount you have to pay out of pocket for an insurance claim.

The best car insurance option for you depends on your situation and needs, including your vehicle type, income, savings and more. If you’re looking to save money, reducing your coverage or raising your deductible could result in lower car insurance premiums.

The table below shows the average rates for a 65-year-old driver. State minimum represents state minimum policy rates averaged across states.

Average Coverage for a 65-Year-Old Driver

Coverage	Policy Type and Deductible	Annual Premium	Monthly Premium
State Minimum	Liability-Only	$477	$40
State Minimum	Full Coverage $1500 Deductible	$828	$69
State Minimum	Full Coverage $1000 Deductible	$870	$73
State Minimum	Full Coverage $500 Deductible	$978	$81
100/300/100	Liability-Only	$591	$49
100/300/100	Full Coverage $1500 Deductible	$942	$79
100/300/100	Full Coverage $1000 Deductible	$985	$82
100/300/100	Full Coverage $500 Deductible	$1,092	$91
300/500/300	Full Coverage $1500 Deductible	$1,026	$86
300/500/300	Full Coverage $1000 Deductible	$1,069	$89
300/500/300	Full Coverage $500 Deductible	$926	$77

How to Lower Your Car Insurance Premium After Turning 55

For the most part, drivers in the middle-age brackets typically have the lowest car insurance rates, but there are ways to lower your premium after turning 55. While it may be time-consuming to implement some of these steps, the savings could be worth it when you find cheap car insurance for senior citizens.

Shop around for a new policy: Companies continually change how they evaluate drivers; therefore, when you’re ready to renew your policy, always shop around with at least three companies to get personalized quotes. Switching car insurance companies could help you save.
Update your driver status: If you haven’t updated your policy in a while, double-check the “listed drivers.” Removing people who no longer drive your vehicle from your policy could reduce your rates.
Take a defensive driver class: Many car insurance companies offer discounts for drivers who complete a certified defensive driver class. Check with your car insurance company for recommended courses.
Choose a cheaper car to insure: Car insurance companies evaluate risk based on the type of vehicle you have, so choosing a less risky car — say, a four-door sedan rather than a sports car — could result in significant premium savings.
Increase your deductible: If you have the financial means to pay a higher car insurance deductible if you file a claim, you could reduce the amount of your premium.
Bundle your insurance coverage: Most car insurance companies offer multi-car and multi-policy discounts if you insure more than two vehicles or purchase both your car and homeowners insurance from the same company.
Add protective technology: Many car insurance companies offer discounts if your car contains safety features like a car alarm or airbags.
Apply discounts: Most car insurance companies offer various discounts, ranging from safe driver discounts for good driving history to discounts for automatic premium payments. Many companies also now offer discounts based on your driving habits, monitored using technology installed on your car and your smartphone.
Pay in full: While monthly payments have a lower upfront cost, many insurance providers offer discounts that range from 5-10% for paying for a policy in full.

MORE SENIOR CAR INSURANCE RESOURCES

Frequently Asked Questions About Senior Car Insurance

Older adults have unique needs when it comes to auto insurance. Learn the answers to frequently asked questions about car insurance to help you find the best deal to meet your needs.

Expert Advice

Are seniors charged more for car insurance?
What are ways seniors can save money on car insurance?
What should seniors look for in car insurance companies to find the best coverage?

Heidi Petschauer, CIC

President, Petschauer Insurance

Learn More About Car Insurance

About Karon Warren

Karon Warren is a professional journalist who has covered personal finance, health insurance, home insurance, car insurance, mortgages, banking and more for two decades.

Karon earned her bachelor of arts degree in journalism from the University of Southern Mississippi. She is also a member of the American Society of Journalists and Authors. Karon uses her journalist skills to create in-depth, well-researched finance stories that educate people so they can make informed financial decisions that best serve their financial goals.

sources

Insurance Information Institute. "Senior driving safety and insurance tips." Accessed July 28, 2020.
Insurance Institute for Highway Safety, Highway Loss Data Institute. "Older Drivers." Accessed July 28, 2020.
State Farm. "Take Control of Your Auto Insurance Discounts From State Farm®." Accessed July 28, 2020.
USAA. "Take Advantage of Our Savings and Discounts." Accessed July 28, 2020.
CDC. "Older Adult Drivers." Accessed August 24, 2022.

The Best Cheap Car Insurance for Seniors in December 2023

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On This Page:

The Top Car Insurance Companies

Best and Cheapest Car Insurance for Seniors

Best and Cheapest Car Insurance for Seniors Nationally

Best Car Insurance for Seniors: Travelers

pros

cons

COMPANY HIGHLIGHTS

Cheapest Car Insurance for Seniors: State Farm

pros

cons

COMPANY HIGHLIGHTS

The Best Car Insurance for Seniors by Age

Best Car Insurance Companies for Seniors by Age

Best Car Insurance Rates for Seniors by State

Best Car Insurance Rates and Providers by State

Best Car Insurance Rates for Seniors With a DUI: State Farm

Best Car Insurance Rates for a Senior With a DUI

Best Car Insurance for Seniors With a DUI

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance Rates for Seniors With a Ticket: State Farm

Best Car Insurance Rates for a Senior With a Ticket

Best Car Insurance for Seniors With a Ticket

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance Rates for Seniors After an Accident: State Farm

Best Car Insurance Rates for a Senior After an Accident

Best Car Insurance for Seniors After an Accident

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance for Senior Veterans: USAA

Best Car Insurance for Senior Veterans

pros

cons

COMPANY HIGHLIGHTS

Compare Auto Insurance Rates

Average Senior Car Insurance Rates by Coverage Type

Average Coverage for a 65-Year-Old Driver

How to Lower Your Car Insurance Premium After Turning 55

Frequently Asked Questions About Senior Car Insurance

Is car insurance cheaper as you get older?

Expert Advice

Compare Auto Insurance Rates

Learn More About Car Insurance

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