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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.

MoneyGeek Logo IconBest 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
Best Car Insurance for Seniors with a DUI - State Farm
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

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

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
Cheapest Ranking
Provider
Annual Premium
Monthly Premium

1

Cincinnati Insurance

$581

$48

1

Cincinnati Insurance

$175

$15

1

State Farm

$644

$54

1

State Farm

$300

$25

1

Travelers

$689

$57

1

Mercury

$321

$27

1

Hanover

$551

$46

1

Hanover

$191

$16

1

AAA California

$991

$83

1

GEICO

$411

$34

1

American National P&C

$532

$44

1

American National P&C

$248

$21

1

GEICO

$683

$57

1

GEICO

$326

$27

1

State Farm

$817

$68

1

Travelers

$444

$37

1

GEICO

$715

$60

1

Chubb

$345

$29

1

State Farm

$970

$81

1

GEICO

$446

$37

1

Country Financial

$580

$48

1

Country Financial

$285

$24

1

GEICO

$565

$47

1

GEICO

$217

$18

1

American National P&C

$307

$26

1

State Farm

$145

$12

1

Country Financial

$610

$51

1

Mercury

$235

$20

1

State Farm

$530

$44

1

State Farm

$222

$18

1

State Farm

$448

$37

1

State Farm

$136

$11

1

Nationwide

$596

$50

1

Nationwide

$218

$18

1

Cincinnati Insurance

$670

$56

1

Cincinnati Insurance

$228

$19

1

State Farm

$1,257

$105

1

State Farm

$541

$45

1

Concord Group

$498

$41

1

Countryway Insurance

$221

$18

1

Progressive

$857

$71

1

Progressive

$538

$45

1

State Farm

$369

$31

1

State Farm

$167

$14

1

Chubb

$798

$67

1

Travelers

$94

$8

1

Iowa Farm Bureau

$694

$58

1

State Farm

$305

$25

1

Direct General Insurance

$639

$53

1

Progressive

$227

$19

1

Nationwide

$860

$72

1

State Farm

$381

$32

1

Progressive

$399

$33

1

State Farm

$154

$13

1

American National P&C

$381

$32

1

American National P&C

$157

$13

1

CSAA

$840

$70

1

CSAA

$402

$33

1

State Farm

$500

$42

1

State Farm

$233

$19

1

NJM

$798

$66

1

GEICO

$420

$35

1

State Farm

$607

$51

1

State Farm

$239

$20

1

Kemper

$766

$64

1

Kemper

$468

$39

1

Nationwide

$514

$43

1

Nationwide

$230

$19

1

Nodak Mutual

$514

$43

1

Nodak Mutual

$158

$13

1

Nationwide

$448

$37

1

Erie

$170

$14

1

State Farm

$579

$48

1

State Farm

$200

$17

1

State Farm

$656

$55

1

State Farm

$360

$30

1

Nationwide

$508

$42

1

Erie

$242

$20

1

State Farm

$712

$59

1

State Farm

$356

$30

1

American National P&C

$482

$40

1

American National P&C

$283

$24

1

Nationwide

$702

$58

1

State Farm

$204

$17

1

State Farm

$516

$43

1

State Farm

$197

$16

1

Texas Farm Bureau

$629

$52

1

Texas Farm Bureau

$295

$25

1

Nationwide

$670

$56

1

Farmers Union Insurance

$369

$31

1

State Farm

$449

$37

1

State Farm

$188

$16

1

Nationwide

$651

$54

1

Mercury

$251

$21

1

PEMCO

$569

$47

1

PEMCO

$284

$24

1

Erie

$773

$64

1

Erie

$300

$25

1

State Farm

$568

$47

1

State Farm

$232

$19

1

State Farm

$646

$54

1

State Farm

$182

$15

2

Nationwide

$641

$53

2

Country Financial

$271

$23

2

GEICO

$659

$55

2

GEICO

$347

$29

2

Root Insurance Company

$730

$61

2

Auto-Owners Insurance Co

$337

$28

2

State Farm

$564

$47

2

State Farm

$218

$18

2

State Farm

$1,020

$85

2

State Farm

$420

$35

2

GEICO

$765

$64

2

Auto-Owners Insurance Co

$364

$30

2

Amica Mutual

$855

$71

2

Amica Mutual

$435

$36

2

Travelers

$864

$72

2

State Farm

$489

$41

2

Erie

$827

$69

2

Erie

$402

$34

2

GEICO

$1,128

$94

2

State Farm

$473

$39

2

Auto-Owners Insurance Co

$822

$69

2

Auto-Owners Insurance Co

$378

$31

2

State Farm

$624

$52

2

State Farm

$268

$22

2

State Farm

$341

$28

2

American National P&C

$145

$12

2

American Family

$684

$57

2

Country Financial

$246

$20

2

American Family

$540

$45

2

Auto-Owners Insurance Co

$235

$20

2

West Bend Mutual

$545

$45

2

Progressive

$163

$14

2

State Farm

$749

$62

2

State Farm

$256

$21

2

Auto-Owners Insurance Co

$717

$60

2

Kentucky Farm Bureau

$291

$24

2

Louisiana Farm Bureau

$1,292

$108

2

GEICO

$577

$48

2

Vermont Mutual

$533

$44

2

State Farm

$240

$20

2

GEICO

$1,070

$89

2

Erie

$610

$51

2

Vermont Mutual

$533

$44

2

Hanover

$176

$15

2

Travelers

$840

$70

2

Chubb

$311

$26

2

State Farm

$695

$58

2

Auto-Owners Insurance Co

$340

$28

2

Mississippi Farm Bureau

$656

$55

2

State Farm

$280

$23

2

State Farm

$874

$73

2

Progressive

$443

$37

2

State Farm

$565

$47

2

Progressive

$165

$14

2

Auto-Owners Insurance Co

$641

$53

2

Auto-Owners Insurance Co

$233

$19

2

Capital Insurance Group

$861

$72

2

Capital Insurance Group

$417

$35

2

Concord Group

$552

$46

2

Concord Group

$271

$23

2

Plymouth Rock Assurance

$889

$74

2

Amica Mutual

$422

$35

2

Nationwide

$664

$55

2

Iowa Farm Bureau

$270

$23

2

Progressive

$997

$83

2

Progressive

$638

$53

2

Erie

$619

$52

2

Erie

$295

$25

2

GEICO

$543

$45

2

State Farm

$232

$19

2

American Family

$464

$39

2

Nationwide

$218

$18

2

Progressive

$814

$68

2

Progressive

$220

$18

2

Country Financial

$748

$62

2

Country Financial

$398

$33

2

Travelers

$570

$48

2

State Farm

$254

$21

2

Travelers

$872

$73

2

Travelers

$420

$35

2

South Carolina Farm Bureau

$781

$65

2

South Carolina Farm Bureau

$412

$34

2

State Farm

$705

$59

2

Farmers Mutual of Nebraska

$206

$17

2

Auto-Owners Insurance Co

$573

$48

2

Auto-Owners Insurance Co

$209

$17

2

State Farm

$632

$53

2

State Farm

$299

$25

2

Auto-Owners Insurance Co

$729

$61

2

Nationwide

$415

$35

2

Vermont Mutual

$525

$44

2

Vermont Mutual

$221

$18

2

State Farm

$684

$57

2

State Farm

$281

$23

2

Capital Insurance Group

$622

$52

2

Capital Insurance Group

$295

$25

2

State Farm

$844

$70

2

Westfield

$327

$27

2

Nationwide

$577

$48

2

Erie

$250

$21

2

Farmers

$789

$66

2

GEICO

$187

$16

3

Country Financial

$679

$57

3

Nationwide

$306

$25

3

Umialik Insurance

$859

$72

3

Umialik Insurance

$385

$32

3

Auto-Owners Insurance Co

$736

$61

3

Travelers

$344

$29

3

South Carolina Farm Bureau

$590

$49

3

Louisiana Farm Bureau

$590

$49

3

Southern Farm Bureau

$590

$49

3

Louisiana Farm Bureau

$230

$19

3

Southern Farm Bureau

$230

$19

3

South Carolina Farm Bureau

$230

$19

3

GEICO

$1,075

$90

3

AAA California

$450

$38

3

State Farm

$824

$69

3

GEICO

$364

$30

3

State Farm

$869

$72

3

State Farm

$444

$37

3

GEICO

$931

$78

3

GEICO

$532

$44

3

Progressive

$1,042

$87

3

GEICO

$427

$36

3

Travelers

$1,311

$109

3

Travelers

$614

$51

3

GEICO

$919

$77

3

Mercury

$412

$34

3

21st Century

$664

$55

3

Island Insurance Group

$333

$28

3

Auto-Owners Insurance Co

$399

$33

3

Auto-Owners Insurance Co

$160

$13

3

Auto-Owners Insurance Co

$702

$59

3

State Farm

$300

$25

3

Auto-Owners Insurance Co

$572

$48

3

Westfield

$284

$24

3

Auto-Owners Insurance Co

$613

$51

3

Auto-Owners Insurance Co

$188

$16

3

Iowa Farm Bureau

$760

$63

3

Iowa Farm Bureau

$268

$22

3

Nationwide

$733

$61

3

State Farm

$326

$27

3

GEICO

$1,573

$131

3

Louisiana Farm Bureau

$633

$53

3

State Farm

$548

$46

3

Vermont Mutual

$247

$21

3

Erie

$1,160

$97

3

GEICO

$621

$52

3

GEICO

$572

$48

3

Plymouth Rock Assurance

$251

$21

3

GEICO

$899

$75

3

Encompass

$572

$48

3

American Family

$773

$64

3

Westfield

$368

$31

3

Progressive

$684

$57

3

Direct General Insurance

$280

$23

3

American Family

$932

$78

3

Nationwide

$458

$38

3

Nationwide

$800

$67

3

Nationwide

$218

$18

3

Farmers Mutual of Nebraska

$694

$58

3

Farmers Mutual of Nebraska

$240

$20

3

State Farm

$884

$74

3

State Farm

$477

$40

3

Nationwide

$624

$52

3

Vermont Mutual

$349

$29

3

GEICO

$923

$77

3

NJM

$442

$37

3

GEICO

$868

$72

3

Nationwide

$295

$25

3

American Family

$1,260

$105

3

American Family

$750

$63

3

State Farm

$646

$54

3

State Farm

$311

$26

3

American Family

$551

$46

3

GEICO

$234

$19

3

Auto-Owners Insurance Co

$518

$43

3

Auto-Owners Insurance Co

$223

$19

3

GEICO

$827

$69

3

Mercury

$363

$30

3

Nationwide

$783

$65

3

GEICO

$459

$38

3

Auto-Owners Insurance Co

$646

$54

3

Westfield

$264

$22

3

American Family

$1,187

$99

3

American Family

$568

$47

3

Auto-Owners Insurance Co

$842

$70

3

Auto-Owners Insurance Co

$413

$34

3

Kemper

$713

$59

3

Nationwide

$222

$18

3

Cincinnati Insurance

$705

$59

3

Erie

$254

$21

3

Allstate

$793

$66

3

Allstate

$393

$33

3

Farmers Union Insurance

$821

$68

3

Auto-Owners Insurance Co

$423

$35

3

American Family

$618

$51

3

American Family

$229

$19

3

American Family

$705

$59

3

American Family

$297

$25

3

Kemper

$647

$54

3

State Farm

$380

$32

3

GEICO

$941

$78

3

State Farm

$368

$31

3

GEICO

$579

$48

3

Nationwide

$269

$22

3

Allstate

$931

$78

3

Farmers

$260

$22

4

Allstate

$790

$66

4

State Farm

$347

$29

4

Allstate

$1,068

$89

4

Allstate

$551

$46

4

State Farm

$829

$69

4

Country Financial

$380

$32

4

Auto-Owners Insurance Co

$705

$59

4

Progressive

$293

$24

4

Progressive

$1,087

$91

4

CSAA

$461

$38

4

American Family

$835

$70

4

State Farm

$368

$31

4

Nationwide

$1,022

$85

4

Nationwide

$559

$47

4

Progressive

$1,235

$103

4

Progressive

$676

$56

4

State Farm

$1,054

$88

4

State Farm

$521

$43

4

Nationwide

$1,317

$110

4

Nationwide

$645

$54

4

State Farm

$952

$79

4

GEICO

$438

$36

4

Island Insurance Group

$871

$73

4

21st Century

$334

$28

4

Idaho Farm Bureau

$559

$47

4

Idaho Farm Bureau

$229

$19

4

State Farm

$745

$62

4

Auto-Owners Insurance Co

$325

$27

4

GEICO

$580

$48

4

GEICO

$307

$26

4

American Family

$638

$53

4

West Bend Mutual

$196

$16

4

American Family

$766

$64

4

Auto-Owners Insurance Co

$314

$26

4

State Farm

$747

$62

4

Auto-Owners Insurance Co

$337

$28

4

Progressive

$2,126

$177

4

Progressive

$717

$60

4

Travelers

$578

$48

4

Concord Group

$274

$23

4

State Farm

$1,286

$107

4

Kemper

$722

$60

4

Hanover

$659

$55

4

Vermont Mutual

$252

$21

4

Progressive

$983

$82

4

GEICO

$597

$50

4

Westfield

$847

$71

4

Iowa Farm Bureau

$378

$31

4

State Farm

$743

$62

4

Mississippi Farm Bureau

$282

$23

4

Allstate

$1,016

$85

4

Travelers

$545

$45

4

Allstate

$919

$77

4

GEICO

$290

$24

4

Shelter

$893

$74

4

Iowa Farm Bureau

$323

$27

4

Nationwide

$995

$83

4

Nationwide

$535

$45

4

Vermont Mutual

$770

$64

4

Safety Group

$367

$31

4

Amica Mutual

$1,020

$85

4

Plymouth Rock Assurance

$464

$39

4

Farmers

$885

$74

4

Progressive

$456

$38

4

Erie

$1,390

$116

4

Erie

$785

$65

4

North Carolina Farm Bureau

$708

$59

4

North Carolina Farm Bureau

$340

$28

4

State Farm

$606

$51

4

Grinnell Mutual

$261

$22

4

Erie

$521

$43

4

Progressive

$225

$19

4

Mercury

$860

$72

4

Shelter

$384

$32

4

GEICO

$864

$72

4

Capital Insurance Group

$497

$41

4

State Farm

$668

$56

4

Travelers

$275

$23

4

Nationwide

$1,256

$105

4

Amica Mutual

$730

$61

4

State Farm

$970

$81

4

State Farm

$493

$41

4

Farmers Mutual of Nebraska

$724

$60

4

Auto-Owners Insurance Co

$229

$19

4

Erie

$714

$60

4

Tennessee Farm Bureau

$266

$22

4

Nationwide

$917

$76

4

Mercury

$425

$35

4

GEICO

$835

$70

4

State Farm

$468

$39

4

GEICO

$663

$55

4

Allstate

$264

$22

4

Auto-Owners Insurance Co

$720

$60

4

Cincinnati Insurance

$335

$28

4

State Farm

$792

$66

4

Chubb

$385

$32

4

Westfield

$951

$79

4

Nationwide

$408

$34

4

Auto-Owners Insurance Co

$616

$51

4

GEICO

$276

$23

4

GEICO

$1,105

$92

4

Allstate

$434

$36

5

State Farm

$794

$66

5

Auto-Owners Insurance Co

$407

$34

5

Progressive

$1,266

$106

5

Progressive

$711

$59

5

GEICO

$855

$71

5

State Farm

$398

$33

5

Nationwide

$744

$62

5

Auto-Owners Insurance Co

$323

$27

5

Mercury

$1,193

$99

5

Progressive

$487

$41

5

Auto-Owners Insurance Co

$925

$77

5

American Family

$409

$34

5

Kemper

$1,083

$90

5

Kemper

$566

$47

5

Allstate

$1,711

$143

5

American Family

$997

$83

5

Chubb

$1,274

$106

5

Progressive

$556

$46

5

Mercury

$1,540

$128

5

Mercury

$681

$57

5

Allstate

$961

$80

5

Progressive

$473

$39

5

Allstate

$927

$77

5

Allstate

$406

$34

5

Nationwide

$581

$48

5

GEICO

$303

$25

5

Mercury

$762

$64

5

Westfield

$328

$27

5

Westfield

$655

$55

5

American Family

$312

$26

5

Westfield

$667

$56

5

Iowa Farm Bureau

$203

$17

5

Auto-Owners Insurance Co

$817

$68

5

Progressive

$326

$27

5

Kentucky Farm Bureau

$805

$67

5

Nationwide

$410

$34

5

AAA

$2,308

$192

5

AAA

$874

$73

5

Countryway Insurance

$640

$53

5

Travelers

$322

$27

5

Kemper

$1,306

$109

5

State Farm

$727

$61

5

Plymouth Rock Assurance

$752

$63

5

GEICO

$327

$27

5

Pioneer State Mutual Ins Co

$1,118

$93

5

Progressive

$629

$52

5

Auto-Owners Insurance Co

$887

$74

5

AAA

$385

$32

5

Nationwide

$846

$71

5

GEICO

$435

$36

5

Travelers

$1,051

$88

5

American Family

$574

$48

5

Farmers

$986

$82

5

Farmers

$350

$29

5

Iowa Farm Bureau

$942

$78

5

Progressive

$328

$27

5

Mercury

$1,197

$100

5

GEICO

$629

$52

5

GEICO

$811

$68

5

MAPFRE

$398

$33

5

Allstate

$1,228

$102

5

Allstate

$702

$59

5

Progressive

$1,005

$84

5

Farmers

$457

$38

5

State Farm

$1,429

$119

5

GEICO

$811

$68

5

GEICO

$912

$76

5

National General

$489

$41

5

Nationwide

$622

$52

5

American Family

$290

$24

5

Grange Insurance

$567

$47

5

American Family

$257

$21

5

Shelter

$920

$77

5

Oklahoma Farm Bureau

$400

$33

5

American Family

$890

$74

5

Progressive

$497

$41

5

American National P&C

$699

$58

5

Auto-Owners Insurance Co

$281

$23

5

Allstate

$1,347

$112

5

Allstate

$781

$65

5

American Family

$1,028

$86

5

American Family

$509

$42

5

Allstate

$761

$63

5

Western National

$261

$22

5

Farmers

$732

$61

5

Cincinnati Insurance

$288

$24

5

Mercury

$939

$78

5

Nationwide

$535

$45

5

State Farm

$841

$70

5

GEICO

$479

$40

5

Concord Group

$691

$58

5

GEICO

$280

$23

5

Erie

$725

$60

5

Erie

$359

$30

5

Chubb

$857

$71

5

Travelers

$454

$38

5

Nationwide

$980

$82

5

GEICO

$479

$40

5

American Family

$688

$57

5

Auto-Owners Insurance Co

$277

$23

6

GEICO

$818

$68

6

Travelers

$411

$34

6

Hartford

$859

$72

6

Root Insurance Company

$455

$38

6

Farmers

$744

$62

6

Nationwide

$350

$29

6

Allstate

$1,229

$102

6

Mercury

$508

$42

6

Allstate

$969

$81

6

Colorado Farm Bureau

$435

$36

6

Allstate

$1,238

$103

6

Allstate

$668

$56

6

American Family

$1,743

$145

6

Allstate

$1,094

$91

6

Allstate

$1,656

$138

6

Allstate

$742

$62

6

Progressive

$1,931

$161

6

Allstate

$906

$76

6

Mercury

$1,004

$84

6

State Farm

$517

$43

6

Progressive

$1,243

$104

6

Progressive

$621

$52

6

American Family

$586

$49

6

American Family

$316

$26

6

GEICO

$769

$64

6

Erie

$345

$29

6

Farmers

$710

$59

6

Indiana Farm Bureau

$321

$27

6

Allstate

$683

$57

6

Westfield

$204

$17

6

Shelter

$848

$71

6

GEICO

$368

$31

6

Travelers

$886

$74

6

Travelers

$425

$35

6

Allstate

$3,436

$286

6

Allstate

$1,317

$110

6

GEICO

$686

$57

6

GEICO

$326

$27

6

Travelers

$1,466

$122

6

Travelers

$871

$73

6

Allstate

$784

$65

6

Arbella

$349

$29

6

Encompass

$1,164

$97

6

Pioneer State Mutual Ins Co

$649

$54

6

Nationwide

$909

$76

6

Western National

$452

$38

6

Travelers

$956

$80

6

Shelter

$463

$39

6

Progressive

$1,312

$109

6

Shelter

$607

$51

6

GEICO

$1,224

$102

6

Allstate

$452

$38

6

GEICO

$968

$81

6

State Farm

$340

$28

6

GEICO

$1,221

$102

6

Progressive

$635

$53

6

Safety Group

$844

$70

6

Nationwide

$417

$35

6

State Farm

$1,264

$105

6

State Farm

$769

$64

6

Allstate

$1,053

$88

6

GEICO

$476

$40

6

GEICO

$1,595

$133

6

State Farm

$862

$72

6

National General

$948

$79

6

Progressive

$515

$43

6

Grinnell Mutual

$754

$63

6

Nationwide

$300

$25

6

GEICO

$597

$50

6

Grange Insurance

$264

$22

6

Farmers

$921

$77

6

GEICO

$408

$34

6

Travelers

$945

$79

6

Travelers

$535

$45

6

Erie

$700

$58

6

Nationwide

$293

$24

6

Amica Mutual

$1,443

$120

6

GEICO

$795

$66

6

GEICO

$1,046

$87

6

GEICO

$533

$44

6

Auto-Owners Insurance Co

$820

$68

6

GEICO

$268

$22

6

Tennessee Farm Bureau

$749

$62

6

Westfield

$323

$27

6

GEICO

$975

$81

6

Progressive

$559

$47

6

American Family

$892

$74

6

Iowa Farm Bureau

$497

$41

6

Nationwide

$708

$59

6

Concord Group

$313

$26

6

Mercury

$741

$62

6

Virginia Farm Bureau

$366

$30

6

Travelers

$867

$72

6

GEICO

$511

$43

6

Allstate

$1,267

$106

6

Allstate

$623

$52

6

Travelers

$703

$59

6

Western National

$293

$24

7

Travelers

$821

$68

7

GEICO

$414

$34

7

Progressive

$934

$78

7

Hartford

$468

$39

7

GEICO

$759

$63

7

AAA

$373

$31

7

CSAA

$1,234

$103

7

Travelers

$576

$48

7

Progressive

$970

$81

7

Nationwide

$468

$39

7

Progressive

$1,260

$105

7

Progressive

$742

$62

7

Dairyland

$3,901

$325

7

Dairyland

$2,521

$210

7

Nationwide

$1,709

$142

7

Nationwide

$925

$77

7

Farmers

$1,963

$164

7

Farmers

$931

$78

7

Progressive

$1,124

$94

7

Allstate

$638

$53

7

GEICO

$691

$58

7

Nationwide

$320

$27

7

Westfield

$831

$69

7

GEICO

$353

$29

7

Nationwide

$753

$63

7

Progressive

$339

$28

7

Iowa Farm Bureau

$691

$58

7

Western National

$227

$19

7

Travelers

$898

$75

7

Farmers Union Insurance

$375

$31

7

Progressive

$949

$79

7

Westfield

$484

$40

7

Progressive

$701

$58

7

Progressive

$356

$30

7

Nationwide

$1,476

$123

7

Nationwide

$983

$82

7

Arbella

$809

$67

7

Chubb

$353

$29

7

Auto-Owners Insurance Co

$1,409

$117

7

Farm Bureau Ins of MI

$779

$65

7

AAA

$916

$76

7

West Bend Mutual

$460

$38

7

Shelter

$979

$82

7

Nationwide

$470

$39

7

Shelter

$1,341

$112

7

AAA

$626

$52

7

Kemper

$1,323

$110

7

Kemper

$537

$45

7

Allstate

$977

$81

7

GEICO

$366

$31

7

American Family

$1,291

$108

7

Mercury

$658

$55

7

Allstate

$924

$77

7

GEICO

$460

$38

7

Travelers

$1,269

$106

7

Travelers

$786

$66

7

Iowa Farm Bureau

$1,164

$97

7

Allstate

$596

$50

7

Chubb

$1,948

$162

7

Chubb

$1,018

$85

7

Progressive

$1,076

$90

7

GEICO

$524

$44

7

Auto-Owners Insurance Co

$818

$68

7

Auto-Owners Insurance Co

$303

$25

7

Progressive

$635

$53

7

Cincinnati Insurance

$284

$24

7

Allstate

$930

$77

7

Farmers

$444

$37

7

Progressive

$1,017

$85

7

Nationwide

$578

$48

7

Allstate

$726

$60

7

Chubb

$302

$25

7

Progressive

$1,495

$125

7

Nationwide

$860

$72

7

Allstate

$1,220

$102

7

Progressive

$673

$56

7

Farmers

$830

$69

7

Kemper

$273

$23

7

Westfield

$751

$63

7

Grange Insurance

$333

$28

7

AAA Texas

$1,207

$101

7

GEICO

$576

$48

7

Iowa Farm Bureau

$921

$77

7

Progressive

$507

$42

7

Allstate

$752

$63

7

Progressive

$318

$27

7

Virginia Farm Bureau

$748

$62

7

Nationwide

$367

$31

7

GEICO

$925

$77

7

Kemper

$571

$48

7

Progressive

$1,321

$110

7

Progressive

$761

$63

7

Erie

$737

$61

7

Progressive

$334

$28

8

Farmers

$904

$75

8

Progressive

$423

$35

8

Iowa Farm Bureau

$952

$79

8

GEICO

$504

$42

8

Travelers

$835

$70

8

GEICO

$376

$31

8

National General

$1,238

$103

8

Nationwide

$590

$49

8

Nationwide

$970

$81

8

Kemper

$504

$42

8

Hanover

$4,109

$342

8

Hanover

$2,270

$189

8

Allstate

$2,005

$167

8

Progressive

$1,153

$96

8

Farmers

$705

$59

8

Farmers

$330

$28

8

Erie

$847

$71

8

American Family

$412

$34

8

Grange Insurance

$762

$63

8

Grange Insurance

$356

$30

8

Progressive

$705

$59

8

Grinnell Mutual

$255

$21

8

GEICO

$903

$75

8

Shelter

$403

$34

8

Westfield

$1,063

$89

8

Progressive

$510

$42

8

Allstate

$767

$64

8

Allstate

$496

$41

8

Allstate

$1,628

$136

8

Allstate

$1,084

$90

8

American Family

$817

$68

8

Allstate

$363

$30

8

Farm Bureau Ins of MI

$1,484

$124

8

Auto-Owners Insurance Co

$830

$69

8

West Bend Mutual

$971

$81

8

GEICO

$480

$40

8

GEICO

$1,048

$87

8

Travelers

$497

$41

8

AAA

$1,387

$116

8

Allstate

$658

$55

8

IMT Insurance Company

$1,020

$85

8

IMT Insurance Company

$426

$35

8

Farmers

$1,296

$108

8

Country Financial

$827

$69

8

Progressive

$1,025

$85

8

Allstate

$588

$49

8

Progressive

$1,354

$113

8

Progressive

$823

$69

8

Kemper

$1,425

$119

8

Kemper

$608

$51

8

Allstate

$1,955

$163

8

Allstate

$1,145

$95

8

Allstate

$1,159

$97

8

Kemper

$528

$44

8

Farmers

$840

$70

8

Progressive

$338

$28

8

Cincinnati Insurance

$651

$54

8

Westfield

$327

$27

8

Oklahoma Farm Bureau

$979

$82

8

Home State Ins Group

$532

$44

8

Capital Insurance Group

$1,071

$89

8

American Family

$639

$53

8

Westfield

$813

$68

8

American National P&C

$310

$26

8

GEICO

$1,505

$125

8

Progressive

$912

$76

8

Travelers

$1,241

$103

8

Allstate

$692

$58

8

American Family

$834

$69

8

Iowa Farm Bureau

$298

$25

8

Grange Insurance

$794

$66

8

Chubb

$348

$29

8

Chubb

$1,220

$102

8

Chubb

$606

$50

8

Progressive

$940

$78

8

American Family

$595

$50

8

Progressive

$820

$68

8

Nationwide

$359

$30

8

Cincinnati Insurance

$749

$62

8

Auto-Owners Insurance Co

$369

$31

8

Nationwide

$982

$82

8

Farmers

$599

$50

8

IMT Insurance Company

$767

$64

8

Acuity

$350

$29

9

Auto-Owners Insurance Co

$954

$79

9

Allstate

$450

$37

9

Farmers

$998

$83

9

Progressive

$506

$42

9

Shelter

$870

$73

9

Farmers

$376

$31

9

Nationwide

$1,330

$111

9

State National

$625

$52

9

Colorado Farm Bureau

$1,021

$85

9

Progressive

$525

$44

9

Direct General Insurance

$2,247

$187

9

Direct General Insurance

$1,199

$100

9

Travelers

$787

$66

9

Travelers

$364

$30

9

Progressive

$860

$72

9

AAA

$416

$35

9

Indiana Farm Bureau

$766

$64

9

Farmers

$405

$34

9

GEICO

$738

$62

9

American Family

$280

$23

9

Progressive

$1,018

$85

9

Travelers

$422

$35

9

Allstate

$1,082

$90

9

GEICO

$545

$45

9

Bristol West

$1,449

$121

9

Bristol West

$743

$62

9

Amica Mutual

$1,003

$84

9

American Family

$366

$31

9

State Farm

$2,031

$169

9

Westfield

$958

$80

9

GEICO

$979

$82

9

Farmers Union Insurance

$497

$41

9

Allstate

$1,079

$90

9

Allstate

$605

$50

9

GEICO

$1,479

$123

9

GEICO

$725

$60

9

AAA

$1,040

$87

9

Shelter

$429

$36

9

Progressive

$1,335

$111

9

Travelers

$838

$70

9

MAPFRE

$1,040

$87

9

Progressive

$593

$49

9

Mercury

$1,523

$127

9

Mercury

$968

$81

9

Travelers

$2,726

$227

9

Travelers

$1,721

$143

9

Kemper

$1,183

$99

9

Allstate

$646

$54

9

Progressive

$894

$75

9

Farmers

$448

$37

9

Farmers

$678

$57

9

GEICO

$336

$28

9

Home State Ins Group

$1,322

$110

9

Allstate

$570

$48

9

Kemper

$1,253

$104

9

Kemper

$697

$58

9

Chubb

$1,005

$84

9

Allstate

$397

$33

9

Progressive

$1,374

$115

9

Travelers

$762

$63

9

GEICO

$1,007

$84

9

Farmers

$312

$26

9

Nationwide

$816

$68

9

Farmers

$390

$32

9

Progressive

$1,398

$117

9

AAA Texas

$606

$50

9

Farmers

$1,085

$90

9

Farmers

$659

$55

9

Travelers

$845

$70

9

Travelers

$425

$35

9

American Family

$1,003

$84

9

Allstate

$648

$54

9

AAA

$786

$66

9

West Bend Mutual

$374

$31

10

Progressive

$1,216

$101

10

Farmers

$502

$42

10

CSAA

$1,006

$84

10

Iowa Farm Bureau

$511

$43

10

AAA

$936

$78

10

Alfa

$422

$35

10

Capital Insurance Group

$1,336

$111

10

Hartford

$634

$53

10

Farmers

$1,187

$99

10

Farmers Union Insurance

$563

$47

10

Allstate

$852

$71

10

Allstate

$483

$40

10

Travelers

$883

$74

10

Hanover

$444

$37

10

Progressive

$767

$64

10

Travelers

$410

$34

10

Travelers

$745

$62

10

Grange Insurance

$287

$24

10

Farmers Union Insurance

$1,031

$86

10

American Family

$446

$37

10

GEICO

$1,086

$91

10

Allstate

$639

$53

10

Chubb

$1,049

$87

10

Amica Mutual

$440

$37

10

Westfield

$2,053

$171

10

Farmers

$1,244

$104

10

Travelers

$1,042

$87

10

American Family

$506

$42

10

Kemper

$2,231

$186

10

Kemper

$798

$67

10

Farmers

$1,087

$91

10

AAA

$463

$39

10

Country Financial

$1,468

$122

10

Farmers

$860

$72

10

Hanover

$3,662

$305

10

Hanover

$1,666

$139

10

New Jersey Skylands Insurance

$1,804

$150

10

New Jersey Skylands Insurance

$1,034

$86

10

Hanover

$4,267

$356

10

Hanover

$2,554

$213

10

Allstate

$967

$81

10

Allstate

$628

$52

10

Travelers

$692

$58

10

Travelers

$376

$31

10

Farmers

$1,274

$106

10

Farmers

$776

$65

10

GEICO

$1,305

$109

10

GEICO

$437

$36

10

Bristol West

$2,631

$219

10

Bristol West

$1,418

$118

10

Western National

$1,045

$87

10

American Family

$372

$31

10

GEICO

$862

$72

10

GEICO

$401

$33

10

Foremost

$1,598

$133

10

National General

$751

$63

10

Allstate

$1,187

$99

10

Allstate

$790

$66

10

Allstate

$979

$82

10

Allstate

$486

$40

10

Allstate

$1,027

$86

10

Nationwide

$654

$55

10

West Bend Mutual

$842

$70

10

Farmers

$377

$31

11

Mercury

$1,008

$84

11

Farmers

$544

$45

11

Allstate

$966

$80

11

Travelers

$434

$36

11

Hartford

$1,356

$113

11

Kemper

$646

$54

11

Kemper

$1,217

$101

11

Acuity

$574

$48

11

Dairyland

$1,230

$103

11

Dairyland

$591

$49

11

AAA

$930

$78

11

Progressive

$456

$38

11

Travelers

$789

$66

11

Nationwide

$493

$41

11

IMT Insurance Company

$758

$63

11

IMT Insurance Company

$296

$25

11

Farmers

$1,039

$87

11

Farmers

$466

$39

11

Grange Insurance

$1,245

$104

11

Grange Insurance

$723

$60

11

Safety Group

$1,194

$100

11

Safety Group

$485

$40

11

Farmers

$2,280

$190

11

Grange Insurance

$1,389

$116

11

Farmers Union Insurance

$1,083

$90

11

Nationwide

$513

$43

11

Progressive

$1,134

$95

11

Allstate

$561

$47

11

Travelers

$1,488

$124

11

American Family

$938

$78

11

Foremost

$2,131

$178

11

Foremost

$1,158

$96

11

Mercury

$5,330

$444

11

Mercury

$2,797

$233

11

Westfield

$773

$64

11

Farmers

$391

$33

11

Allstate

$1,406

$117

11

Allstate

$932

$78

11

Progressive

$1,407

$117

11

Progressive

$473

$39

11

Dairyland

$3,683

$307

11

Dairyland

$2,095

$175

11

Iowa Farm Bureau

$1,102

$92

11

Progressive

$390

$32

11

Chubb

$887

$74

11

Progressive

$401

$33

11

Dairyland

$1,697

$141

11

Foremost

$817

$68

11

Kemper

$1,708

$142

11

Kemper

$840

$70

11

Progressive

$1,002

$83

11

GEICO

$516

$43

11

Farmers

$1,060

$88

11

American Family

$674

$56

11

Acuity

$876

$73

11

Travelers

$381

$32

12

Allstate

$1,087

$91

12

CSAA

$564

$47

12

Progressive

$1,048

$87

12

Shelter

$444

$37

12

State National

$1,399

$117

12

Capital Insurance Group

$654

$55

12

Farmers Union Insurance

$1,248

$104

12

Allstate

$616

$51

12

Allstate

$1,042

$87

12

Travelers

$473

$39

12

Allstate

$937

$78

12

Allstate

$648

$54

12

Farmers

$785

$65

12

GEICO

$308

$26

12

Allstate

$1,187

$99

12

Allstate

$691

$58

12

Shelter

$1,597

$133

12

Shelter

$997

$83

12

Progressive

$1,202

$100

12

Travelers

$604

$50

12

Grange Insurance

$2,441

$203

12

State Farm

$1,428

$119

12

Allstate

$1,189

$99

12

Travelers

$570

$48

12

State Farm

$1,156

$96

12

Farmers

$587

$49

12

Allstate

$1,722

$144

12

Allstate

$1,088

$91

12

Hanover

$3,226

$269

12

Hanover

$1,699

$142

12

Allstate

$811

$68

12

Allstate

$508

$42

12

Dairyland

$2,272

$189

12

Dairyland

$1,415

$118

12

Dairyland

$2,050

$171

12

Dairyland

$858

$71

12

Progressive

$1,126

$94

12

Allstate

$430

$36

12

Travelers

$915

$76

12

Travelers

$460

$38

12

National General

$1,764

$147

12

Dairyland

$970

$81

12

GEICO

$1,033

$86

12

Progressive

$636

$53

12

Progressive

$1,190

$99

12

Progressive

$678

$57

12

Allstate

$878

$73

12

IMT Insurance Company

$387

$32

13

Country Financial

$1,216

$101

13

Nationwide

$575

$48

13

Alfa

$1,115

$93

13

Allstate

$571

$48

13

Travelers

$1,506

$126

13

Farmers

$680

$57

13

Acuity

$1,328

$111

13

Farmers

$629

$52

13

Grange Insurance

$1,186

$99

13

Allstate

$509

$42

13

Grange Insurance

$816

$68

13

Farmers

$339

$28

13

Dairyland

$1,938

$162

13

Dairyland

$872

$73

13

Travelers

$1,396

$116

13

Progressive

$640

$53

13

Hanover

$4,332

$361

13

Hanover

$2,679

$223

13

Western National

$1,201

$100

13

Allstate

$672

$56

13

Nevada General Insurance

$2,138

$178

13

Nevada General Insurance

$1,492

$124

13

State Farm

$2,549

$212

13

State Farm

$1,629

$136

13

Allstate

$958

$80

13

American National P&C

$467

$39

13

National General

$1,702

$142

13

National General

$705

$59

13

National General

$1,552

$129

13

National General

$1,049

$87

13

Progressive

$881

$73

13

AAA

$392

$33

14

Nationwide

$1,243

$104

14

Allstate

$598

$50

14

Home State Ins Group

$1,696

$141

14

Home State Ins Group

$642

$54

14

Farmers

$1,659

$138

14

Allstate

$692

$58

14

Hanover

$1,253

$104

14

Grange Insurance

$571

$48

14

Grinnell Mutual

$906

$76

14

Travelers

$346

$29

14

Country Financial

$1,407

$117

14

Country Financial

$672

$56

14

Kemper

$3,526

$294

14

Kemper

$1,768

$147

14

Progressive

$1,065

$89

14

Nationwide

$503

$42

14

Kemper

$2,192

$183

14

Kemper

$1,226

$102

14

Dairyland

$2,895

$241

14

Dairyland

$1,437

$120

14

Farmers

$883

$74

14

American Family

$434

$36

15

The General

$2,862

$239

15

The General

$1,438

$120

15

Dairyland

$1,863

$155

15

Dairyland

$926

$77

15

Kemper

$1,874

$156

15

National General

$786

$66

15

Western National

$1,026

$86

15

Allstate

$408

$34

15

Dairyland

$3,609

$301

15

Dairyland

$1,806

$151

15

American National P&C

$1,069

$89

15

Allstate

$558

$47

15

Chubb

$1,023

$85

15

Chubb

$486

$41

16

Chubb

$1,929

$161

16

Chubb

$815

$68

16

Western National

$1,164

$97

16

Allstate

$576

$48

17

Kemper

$1,429

$119

17

Kemper

$597

$50

18

Dairyland

$2,069

$172

18

Dairyland

$853

$71

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

State Farm

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

State Farm

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

State Farm

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

USAA

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
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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

  1. Are seniors charged more for car insurance?
  2. What are ways seniors can save money on car insurance?
  3. What should seniors look for in car insurance companies to find the best coverage?
Heidi Petschauer, CIC
Heidi Petschauer, CIC

President, Petschauer Insurance

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About Karon Warren

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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.

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