When it comes to cable car indemnity costs, age matters. car indemnity for seniors can be costly. In fact, car policy for seniors slowly gets more expensive after you pass 65 years of historic period .
fortunately, shopping round and comparing policies can get you the lowest car indemnity rates for seniors. If you are a military member or a veteran, USAA is the best caller for car policy. For those who are not military members, here is a tilt of five other best companies offering car insurance for seniors :

For case, the average annual monetary value of car policy for a 70-year-old driver is $ 1,626. however, if you want to know who has the cheapest car indemnity for seniors ? The answer is progressive and USAA, they offer car insurance at $ 724 and $ 903, respectively .
This page will review ways to get low-cost senior car insurance, how age and other factors affect costs, and the best auto insurance for seniors.
Key Takeaways

  • Progressive offers the best deal on car insurance for seniors at an average annual cost of $724.
  • State Farm has the best claims ranking among the five companies reviewed by Insure.com.
  • Experts suggest, it is absolutely fine if you choose a smaller auto company for your coverage.
  • Seniors can avail themselves of lower rates initially due to their driving experience, but rates can climb as they age.

Five best car insurance companies for seniors

Finding the right senior car insurance company depends on many factors. The ill-timed insurance company for one driver might be the perfect insurance company for another .
Seniors have their own needs when patronize for car insurance. Insure.com rates the be five companies as having the best car indemnity for seniors :
Editor ’ second eminence : due to their limited membership to military members only, we did not include USAA in the top five car policy companies for seniors ranking. however, they would have been one of the top scorers otherwise .


progressive offers seniors the best deal on premiums, at an average annual price of $ 724. It besides has a strong National Association of Insurance Commissioners Complaint Ratio, at good 0.67 .
however, Progressive ’ s J.D. Powers Claims Satisfaction Rating is the lowest of the top five in our survey, at 856 ( out of 1,000 ) .
progressive does not offer any specific seniors car indemnity discounts. however, careful drive can save you money, regardless of historic period. Progressives snapshot program determines your rate based on your actual drive behaviors. The company says drivers who join Snapshot and agree to let Progressive monitor their force behavior save an modal of $ 145 .


Farmers is another good choice for seniors car policy, according to our Insure.com analysis. Its annual average bounty of $ 1,165 is second-best among the companies that made our top five. Farmers ’ J.D. Powers Claims Satisfaction Rating of 872 ( out of 1,000 ) actually tops that of Progressive, the most low-cost insurance company on our list .
however, Farmers ’ National Association of Insurance Commissioners Complaint Ratio of 0.74 – while silent strong – ranks third on our list .
Farmers besides offer a Senior Defensive Driver Discount. To qualify, you must be 65 ( or 55 in some states ) and complete a driver ’ sulfur education class that your state ’ second department of motor vehicles approves. Upon finishing the course, you must provide an approved representation ’ randomness certificate of completion to Farmers .


Both Geico ’ s annual agio ( $ 1,175 ) and J.D. Powers Claims Satisfaction Rating ( 872 out of 1,000 ) down it squarely in the middle of our top five aged car indemnity insurers .
however, Geico lags in its National Association of Insurance Commissioners Complaint Ratio ranking. At 2.04, it ends up in fifth place among our five insurers .
senior car indemnity discounts at Geico include the Prime Time narrow, which offers automatic pistol reclamation to customers 50 and older. This gives peace of mind to aging drivers who worry that their insurers will abandon them as they age .
You have to meet specific criteria to qualify, and the program is not available in all states .
Discounts besides are available for retire federal workers and retire members of the military .


Erie ’ s annual bounty of $ 1,185 ranks fourth on our list. flush better, the insurance company ’ sulfur J.D. Powers Claims Satisfaction Rating of 880 ( out of 1,000 ) is second among our companies, equitable below State Farm .
The insurance company ’ s National Association of Insurance Commissioners Complaint Ratio of 1.1 is not as strong, putting it ahead of only fifth-place Geico .
Erie policyholders earn an automatic discount when they turn 55. Price breaks besides are available to older drivers who don ’ t have any claims against their policies and complete an accredited driver-training course .
finally, drivers in some states who are 55 and join Erie for the first time qualify for a discount if they have successfully completed an approve trail course within the past three years .

State Farm

department of state farm has the best J.D. Powers Claims Satisfaction Rating — 872 ( out of 1,000 ) — among our top five indemnity companies for seniors. It besides has the top National Association of Insurance Commissioners Complaint Ratio, at 0.66 .
But State Farm ’ s annual bounty price of $ 1,369 ranks final among our five insurers. State Farm besides does not offer senior-specific discounts .

Best overall: State Farm

When it comes to car policy, cost is not everything. State Farm is Insure.com ’ south best car policy company for seniors, even though State Farm ’ s annual premium cost of $ 1,369 is the highest among our five companies .
therefore, what makes State Farm best ? It gets clear marks for claims satisfaction and for garnering relatively few customer complaints .

Best for rates: Progressive

If price is your “ bottom cable, ” Progressive is the correctly company for you. Its annual average premium of $ 724 is army for the liberation of rwanda below the national average of $ 1,626 and is best among the companies in our top five insurers .

Best for claims: State Farm

state farm is our winner again. It has the best claims ranking among our five companies, just edging out second-place finisher Erie .

Cheapest car insurance for seniors

Focusing strictly on price – and ignoring everything else – can be a error when shopping for car insurance. But price is important, and it is the single most significant factor in determining where they buy a policy for many drivers .

We did some of the work for you, running rates to share the national annual averages based on a policy with 100/300/100 liability coverages ( bodily injury per person/per accident and property damage ) adenine well as comprehensive and collision with a $ 500 deductible .
hera is a list of the cheapest car indemnity companies for seniors, by long time :


Age 60

Age 65

Age 70

Age 75

Concord Group Ins. $594 $615 $616 $681
Progressive $665 $699 $724 $848
USAA $810 $844 $903 $1,001
Depositors Ins. Co. $1,001 $1,031 $1,142 $1,270
GEICO $1,038 $1,051 $1,175 $1,269
Erie Ins. $1,082 $1,138 $1,185 $1,278
Farmers Ins. $1,040 $1,081 $1,165 $1,359
Norther Carolina Farm Bureau $1,100 $1,131 $1,141 $1,141
Safety Ins. Co. $1,121 $718 $737 $748
Texas Farm Bureau $1,161 $1,264 $1,264 $1,324

About half of the top 10 cheapest companies for seniors are smaller insurers. The cheapest company on our list is Concord, a regional insurance company available in New England states. It has a relationship with Auto-Owners, which is better known and available in more states. And, Depositors is a subordinate of Nationwide .
“ There is nothing wrong with choosing a smaller car company for your coverage. If you haven ’ t hear of them before, take fourth dimension to check out reviews on their customer and claims service ampere well as their fiscal persuasiveness rate, ” says Penny Gusner, senior consumer analyst for Insure.com. “ If having a web site or app is important, make certain to look at those as well. ”
You don ’ t have to be an expert to find out information about a company, no topic how big or modest it is. Start with your state of matter ’ mho department of policy web site to check that the company is legit and besides find out if any complaints have been made against it .

Average car insurance rates for seniors

The cost of car indemnity for older drivers changes over time, with a slow and steady ascend in premium prices as the calendar advances. so, car insurance for seniors over 60 typically will cost less than car policy for seniors over 70 .
even if you drive very fiddling as you get older, you will placid have to pay for enough indemnity to meet minimal liability coverage requirements .
Christopher J. Robinette, Professor of Law at Southwestern Law School, explains that “ the chief purpose of minimal requirements is to financially protect other drivers on the road. The minimum come needed to do thus does not change with the long time of the insurance buyer. ”
coverage costs besides are higher if you choose more robust coverage that better protects you .
Following are some examples of how old age and coverage levels ( from state minimum up to full coverage ) impact your car indemnity rates :

Age State Minimum 50/100/50 100/300/100
60 $536 $598 $1,507
65 $555 $622 $1,547
70 $594 $665 $1,626
75 $674 $758 $1,808

Car insurance rates for seniors by age and state

In addition to age, where you live can significantly impact the price you pay for car policy .
Insure’s Insight:For a 70-year-old driver, the most expensive and least expensive states for auto insurance are Michigan at $3,468 and Maine at $940, respectively. For a 70-year-old driver, the most expensive and least expensive states for car policy are Michigan at $ 3,468 and Maine at $ 940, respectively.

Ten most expensive states for auto insurance if you are 70 years old

State Age 70
Michigan $3,468
Rhode Island $2,423
Louisiana $2,412
Nevada $2,308
Kentucky $2,251
District of Columbia $2,082
New York $2,023
Florida $1,991
Maryland $1,949
Montana $1,893

Ten least expensive states for auto insurance if you are 70 years old

State Age 70
Maine $940
New Hampshire $1,044
Ohio $1,095
Massachusetts $1,104
Virginia $1,127
Indiana $1,142
Idaho $1,171
Iowa $1,187
Wisconsin $1,188
North Dakota $1,294

If your state didn’t make the top ten least or most expensive lists, find your state in the table or map below based  average annual rages for full coverage  (100/300/100 liability along with comp and collision).


Age 60

Age 65

Age 70

Age 75

Alaska $1,275 $1,378 $1,466 $1,625
Alabama $1,439 $1,468 $1,543 $1,734
Arkansas $1,516 $1,580 $1,674 $1,915
Arizona $1,577 $1,652 $1,725 $1,951
California $1,655 $1,640 $1,781 $1,925
Colorado $1,737 $1,764 $1,816 $1,960
Connecticut $1,698 $1,746 $1,861 $2,158
District of Columbia $1,923 $1,986 $2,082 $2,337
Delaware $1,736 $1,798 $1,888 $2,145
Florida $1,868 $1,917 $1,991 $2,243
Georgia $1,606 $1,662 $1,760 $2,014
Hawaii $1,589 $1,589 $1,589 $1,589
Iowa $1,114 $1,133 $1,187 $1,308
Idaho $1,057 $1,122 $1,171 $1,386
Illinois $1,269 $1,303 $1,360 $1,521
Indiana $1,067 $1,074 $1,142 $1,281
Kansas $1,400 $1,438 $1,466 $1,671
Kentucky $2,065 $2,141 $2,251 $2,555
Louisiana $2,317 $2,430 $2,412 $2,402
Massachusetts $1,364 $1,045 $1,104 $1,163
Maryland $1,703 $1,856 $1,949 $1,949
Maine $942 $936 $940 $933
Michigan $3,079 $3,166 $3,468 $3,910
Minnesota $1,332 $1,402 $1,448 $1,637
Missouri $1,488 $1,513 $1,568 $1,726
Mississippi $1,375 $1,411 $1,474 $1,726
Montana $1,736 $1,825 $1,893 $2,250
North Carolina $1,288 $1,319 $1,387 $1,438
North Dakota $1,231 $1,253 $1,294 $1,421
Nebraska $1,260 $1,280 $1,399 $1,552
New Hampshire $945 $987 $1,044 $1,161
New Jersey $1,724 $1,751 $1,756 $1,929
New Mexico $1,382 $1,436 $1,516 $1,742
Nevada $2,144 $2,180 $2,308 $2,640
New York $1,871 $1,930 $2,023 $2,261
Ohio $1,012 $1,044 $1,095 $1,228
Oklahoma $1,586 $1,591 $1,628 $1,761
Oregon $1,345 $1,356 $1,415 $1,589
Pennsylvania $1,443 $1,471 $1,569 $1,763
Rhode Island $1,987 $2,396 $2,423 $2,467
South Carolina $1,358 $1,427 $1,495 $1,722
South Dakota $1,293 $1,334 $1,360 $1,517
Tennessee $1,222 $1,318 $1,462 $1,762
Texas $1,581 $1,669 $1,745 $1,915
Utah $1,306 $1,338 $1,395 $1,591
Virginia $991 $1,058 $1,127 $1,270
Vermont $1,178 $1,237 $1,302 $1,488
Washington $1,390 $1,441 $1,515 $1,661
Wisconsin $1,119 $1,140 $1,188 $1,325
West Virginia $1,410 $1,462 $1,525 $1,747
Wyoming $1,440 $1,489 $1,567 $1,780

Hover over map to see the average annual rates for ages 60 to 75


How much is car insurance for seniors over 60? 

The allow car policy plan for you is determined by a assortment of factors, including your car type, wage, savings, and more. When it comes to car indemnity for seniors, the state minimum prerequisite for seniors over 60 is $536, while the full coverage with 50/100/50 limit costs an average of $598 and a full coverage with 100/300/100 limit costs $1,507.  

How much is car insurance for seniors over 70? 

The monetary value of car indemnity for older drivers varies over time as they are more probable to be in an accident. As a consequence, car policy for people aged 60 and above will be less expensive than that for people aged 70 and up. The department of state minimum necessity for seniors over 70 is $594, the fully coverage limit of 50/100/50 costs $665 and a full coverage of 100/300/100 limit costs $1,626 .

Best cars to save on car insurance rates for seniors

Something ampere simple – and frequently overlook – as purchasing the chastise vehicle type can get you the best car policy rates for seniors. Some cars are more expensive to insure than others .
Following are the ten-spot best cars for those hoping to get bum car policy for seniors :

  1. Chrysler Voyager
  2. Honda CR-V LX
  3. Mazda CX-3 Sport
  4. Fiat 500X Trekking
  5. Honda HR-V LX
  6. Jeep Compass Sport
  7. Mazda CX-5 Sport
  8. Subaru Outback 2.5l
  9. Subaru Forester 2.5l
  10. Jeep Wrangler JL Sport

Is car insurance for seniors worth the cost?  

Yes, cable car policy for seniors is worth the monetary value. It is known to all that in your 60s and 70s the car indemnity rates are probably to start climbing uphill because they are more accident-prone than those in their middle historic period. Older drivers ’ problems, including age-related hear or vision loss, slower reflexes, and health issues and medicines, contribute to the increased insurance costs .
furthermore, regardless of the degree of the accident, older drivers have suffered greater injuries and perished at a higher rate than younger individuals. This implies that seniors are more costly to treat following an accident. These elements can raise indemnity claims expenses. Since the insurance coverage provides you with all the auspices you need, it is worth the monetary value .
however, as a elder, you have certain advantages that you did not have when you were younger. As an elder, you can save on your indemnity premiums by getting credit rating for driving less, raise your deductible, drop the coverage you no longer need, bundle your policy policies and workshop about for better rates from versatile insurers .

Factors that affect senior auto insurance rates

While historic period may be the rat factor at the vanguard of most seniors, many different factors can impact the monetary value of car policy for senior citizens. Rules can vary by country. But typically, factors that influence rates can be divided into two categories :

Driving Record : Your drive record is significant to car insurance companies. The more traffic offenses you ’ ve committed, the greater a risk you are to an insurance company, and the more you ’ ll pay up for car insurance. By line, a effective drive record will help you get better rates .
Driving Experience: A novice driver of any senesce will pay more than a veteran driver. Seniors who have been driving for decades should reap the rewards of that know in the form of lower rates initially, but rates can climb as they age .
Vehicle Type and Use : The type of vehicle you purchase will impact how much you pay to insure it. Your vehicle ’ s value and the model ’ second popularity among thieves besides will impact the monetary value to insure. sol will the cost to repair your vehicle and any safety features it has or lacks. besides, a car used for personal practice will cost less to insure than for commercial purposes .
Annual Mileage: If you drive less, you pay less for car insurance, as being on the road less frequently poses a reduce gamble to your insurance company. If you recently started driving less – such as after retiring from work — tell your insurance company, as your premiums might fall .
Coverage and Deductible: If you have higher coverage limits, your rates typically cost more. Despite this fact, we still recommend 100/300/100 liability coverage. Reducing these limits won ’ thyroxine save you a fantastic come in premium costs, and having higher coverage limits gives you much better protection. If you want to save money, raise your deductible alternatively. Your deductible is what you pay out of pocket before your policy policy kicks in .
Insurance History: It ’ s significant to stay on top of your bills and not have a car indemnity coverage col. Drivers with continuous coverage get better rates .
Claims History: If you ’ ve been claims-free for at least three years, you ’ ll typically receive a dismiss. But if you have had a few fender-benders in the last several years, you ’ ll be seen as a bigger gamble on the road and end up with higher premiums .

Violation type Car insurance rate before violation Car insurance rate after violation % increase $ increase
At-fault accident $1,626 $2,130 31% $504
Speeding ticket $1,626 $2,049 26% $423

Non-driving car insurance factors

Age: Teens and older drivers are the highest-risk categories, but for different reasons. Teens are inexperienced novitiate drivers. On the other hand, seniors — who are senesce and have — have reflexes on the decline. California, Hawaii and Massachusetts don ’ t let car insurers to rate on senesce .
Gender: Women typically have fewer accidents — and fewer serious wrecks — than men. They besides have fewer driving-under-the-influence accidents. so, they tend to pay lower rates, particularly during their adolescent and twilight years .
Location: Where you and your cable car occupy matters. There are different risks depending on whether you live in an urban or rural area or if your ZIP code is prone to severe weather such as hurricanes, tornadoes or frequent hail storms. If you ’ re looking to retire and plan on moving, check out our cost of living tool to see if cable car indemnity rates for seniors are better or worse in the cities you ’ re considering .
Marital status : married folks tend to pay less for car insurance, as they are deemed less bad than single drivers. Losing your spouse can frankincense affect your pace as you move from married to individual status. Hawaii, Massachusetts, Michigan and Montana don ’ triiodothyronine allow marital condition as a rate divisor. And, other states, like Pennsylvania, have rules in place to keep a “ widow ’ s punishment ” from occurring .
Credit history : Most states allow insurers to charge higher car policy rates if your credit international relations and security network ’ metric ton stellar. The reason is insurers have shown that those with first gear credit scores tend to make more claims – and thus come across as a higher risk .

How to save with car insurance discounts for seniors?

Although seniors face higher insurance rates as they age, there are ways to reduce your car policy costs. Although these are not specific discounts for seniors, any elder may qualify for these indemnity discounts :

  • Drive carefully: You can get a decent discount if you maintain a clean driving record, as you pose a lower risk to insurers.
  • Drive less: Some insurers offer low-mileage discounts if you drive less than the average number of miles annually. If you aren’t on the road as much, your risk of an accident is likely lower.
  • Bundle your coverages: You may get a discount for insuring both your house and car with the same insurance company.
  • Raise your deductible: If you drive less, it also may be a good idea to increase your deductible. A deductible is an amount you pay out-of-pocket before your insurance kicks in to cover your claims. According to the Insurance Information Institute, raising your deductible to $1,000 could help you save 40% on insurance premium costs.
  • Decrease or drop coverages that aren’t needed: Double-check your policy to make sure all the coverages and limits are accurate for your needs. If you own an older car, it may be time to drop collision and comprehensive coverage, for example.
  • Take a course: You can take a defensive driving course through your local senior center or AARP. Doing so can often get you a defensive driving course discount.
  • Drive a safer car: Buying a car with safety technology — such as rearview cameras and collision alarm systems – can result in both lower car insurance costs and fewer accidents and claims.
  • Agree to have your driving monitored: Many car insurance companies offer discounts if you agree to install a monitoring device on your cars so your driving behavior can be tracked. If you exhibit safe driving behavior, your premiums can be cut drastically.Professor Robinette suggests, “Seniors who want their specific driving habits to be accurately reflected in their premiums can move to usage-based insurance. On average, drivers save approximately 10-15% with usage-based insurance.

Frequently asked questions about auto insurance for seniors

How can I add a senior driver to my insurance?

If you have an aging parent or another senior who shares your home and plans to drive your vehicle, it ’ sulfur important to let your cable car indemnity company know .
If the aged plans to drive your fomite, you must alert your car policy company of their presence at your home and ask if you must add them to your insurance. An insurance company may not require a aged to be added to your policy if the elder placid has a car and policy. however, it may ask for a copy of the senior ’ randomness policy to make sure it is valid .
If the senior doesn ’ deoxythymidine monophosphate have a car or policy, you ’ ll decidedly need to add him or her to your policy if the senior plans to drive your vehicle. not doing so could result in significant out-of-pocket expenses — or even worse, losing your insurance — if the senior gets into an accident while driving your car. Claims in this situation would likely be denied .

Does car insurance go up after 80?

car policy rates rise steadily as a driver ages and reflexes – and other aspects of a person ’ sulfur physiology, such as vision and hear – begin to decline. The risk of an accident grows as a senior age, which presents a greater gamble to the car indemnity company .
“ As a solution of the increased risk that senior drives pose, insurers frequently charge drivers more for policy as they long time, ” states Gusner. “ Typically, the uptick is seen arsenic early as in your 60s but by age 80 it truly is impacting your rates. We found that from historic period 75 to 85 the rate raise on average is about 24 % or $ 350 per annum. ”

Who offers the best insurance rates for seniors with low income?

An annual Insure.com review found that Progressive offers the lowest average annual policy costs. so, if you are on a rigorous budget, Progressive might be the right insurance company for you .
many insurers offer senior citizen car policy discounts that can lower your costs if you are an older driver .
“ As always, the best means to lower the monetary value of car insurance for the aged is to shop around and compare quotes, ” says Gusner. “ Your specific situation will determine your rates, so what we offer is a jumping off point for you to go on and compare rates with multiple companies to see who is cheapest based on your specific site. ”

What should I do about my car insurance if I can’t get my license renewed?

If you are a senior driver, there may be particular provisions to getting your license renewed that are specific to your state. Those provisions may include a road test, written quiz, vision examination, hearing examination and other physical and mental examinations. If you are not approved for license refilling, this means you no retentive have a legal driver ’ mho license and may not operate a vehicle. This besides means you can drop your cable car policy unless person else is driving the fomite. If person else is using the vehicle, speak with your policy company about what your options are .
“ many insurers will try to work with you if you ’ re no longer driving but need a caretaker to use your vehicle, ” notes Gusner. “ One solution is for the caretaker to be listed as the primary coil driver on your policy, therefore rated on their drive record, while you are excluded due to not having a valid license. Just don ’ thymine slip out for a driver on your own, you won ’ metric ton be covered. ”

When is it time for a senior to stop driving?

If you or a senior loved one starts to exhibit any of the play along warning signs, it may be time to stop drive .

  • Multiple tickets or accidents in the last two years
  • Erratic driving
  • Inability to stay inside lanes (weaving)
  • Missing stop signs and other traffic signals
  • Getting lost when driving in familiar places

The most important thing about being on the road is safety, both for yourself and others. There is nothing to be ashamed of if it is clock time to stop drive. On the contrary, it is admirable to recognize the warn signs and put base hit beginning .
If you are approaching this subject with a love one, do indeed sensitively. Voice your concerns respectfully without making them feel that they are being attacked. Acknowledge and be harmonic to their likely concerns about feeling a loss of independence. Work together to come up with a plan that can give your aged loved one the independence they need .

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