Best Car Insurance for Senior Drivers (2025)
Progressive, Nationwide, and State Farm offer some of the best coverage options and savings opportunities for senior drivers.
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Seniors typically pay the lowest car insurance premiums of any age group. The national average monthly liability-only premium for all age groups is $103, but drivers in their 60s pay $88 on average, according to Insurify data.
Accident risks start to increase after age 70, so you’ll likely see your car insurance premiums rise as you age.1 But insurance rates can vary widely among insurers no matter your age. And since many retired people live on fixed incomes, comparing car insurance quotes is especially important for senior drivers.
Quick Facts
Many insurers offer low-mileage discounts or usage-based policies that could make sense for seniors who don’t drive much.
Seniors who complete driver safety programs from AAA or AARP could get a discount on coverage.
Drivers in their 60s have the lowest car insurance rates of all age groups.
Best car insurance companies for seniors
Affordability is just one factor to consider when shopping for car insurance. The best insurance company for you depends on your needs and unique driver profile, so it’s always worth comparing quotes to find the right fit.
These three companies have below-average monthly rates for senior drivers, ample discount opportunities, and robust customer support options.
Progressive: Best for savings options
Nationwide: Best for low-mileage drivers
State Farm: Best for 24/7 customer support
Our editorial team analyzed more than 40 regional and national auto insurance companies to assess which offer the best rates, coverage options, and savings to senior drivers. We prioritized competitive rates, broad availability, 24/7 customer service, low-mileage discounts or programs, homeownership discounts or bundling options, specialty or supplemental coverages, and safe driving discounts in our review.
How to find the best car insurance
Your location, driving record, and lifestyle affect what insurance companies offer the best coverage and price for your unique needs. These are some things to consider as you hunt for the best policy for you.
Look for coverages that fit your lifestyle
Think about what your state, leasing company, or lender requires and what coverage will suit your needs. If you lease or finance your car, your leasing company or lender will require you to have full-coverage car insurance. The required state-minimum amount of liability protection differs by state but could be the right option if you’re not on the road much or drive an older car worth less than you’d pay for your policy.
Add-ons like 24/7 roadside assistance coverage and MedPay — which covers medical or funeral expenses for you and your passengers — could also give you peace of mind.
Consider adjusting your deductible
Assess your budget and cash flow to determine the right deductible. If you have enough savings to cover a high collision or comprehensive deductible when you file a claim, you could save money on your premium.
Some insurers offer discounted rates if you pay your premium up front, which is another way to save on monthly expenses if you have the cash.
Compare quotes from multiple insurers
Shopping around for car insurance and comparing costs before you buy a policy are among the best ways to save money on car insurance. Comparing quotes will help you figure out which insurers have the coverage, discounts, and features you want at a price that works for your budget.
The Insurance Information Institute recommends getting at least three quotes and asking family and friends for their recommendations.
Take advantage of discounts
Research or ask about senior-friendly discounts that you might qualify for. For example, a low-mileage discount could save you money if you don’t drive often or very far.
If you have a clean driving record, you may also qualify for accident-free or safe-driver discounts. Senior citizens who complete AAA or AARP’s driver safety programs may be eligible for a senior discount.2 3
Cost of car insurance for senior drivers
Car insurance rates for senior drivers are typically lower than for any other driver age group. But as accident risks and frequency increase with age, seniors usually see their rates start to increase slightly around age 70.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Driving experience and risk factor significantly into how companies set car insurance premiums. For example, teens pay an average rate of $198 monthly for liability coverage, while drivers in their 70s pay less than half that, on average.
Drivers aged 20–24 have the highest crash rates of any age group, according to the Insurance Institute of Highway Safety (IIHS).4 The crash rate drops from there, but the fatal crash rate among older drivers increases slightly for drivers 70 and older, reflecting a higher risk, increased likelihood of filing insurance claims, and more costly premiums.
Cheapest car insurance for senior drivers by state
The cheapest car insurance company for you can vary widely based on where you live. Everything from your state’s insurance regulations to whether you live in an urban or rural ZIP code can affect your premiums.
Even more factors can influence your best option. For example, USAA may offer the best coverage if you’re a veteran or active-duty military member. These are the insurance companies offering the lowest liability-only quotes in each state, but be sure to shop around and get multiple quotes to find the best coverage for you.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Insufficient data for Alaska, Hawaii, Montana, New Hampshire, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming.
Car insurance for seniors FAQs
As you shop for car insurance coverage, consider any unique needs you have as a senior driver. To help your search, here are some answers to frequently asked questions about how to find the best car insurance for seniors.
Why do auto insurance rates increase for seniors?
Fatal crash and claims-filing rates increase slightly for drivers 70 and older, according to the IIHS. Those drivers face higher car insurance premiums because insurers base premiums on accident risk, among other factors, and raise premiums to reflect the increased risk.
Does the cost of car insurance go down when you retire?
The cost of auto insurance may go down, but it depends on when you retire. Drivers in their 60s pay the lowest rates of any age group, according to Insurify data. Drivers aged 65–69 have the lowest rates of liability and collision claims and car accidents, according to the IIHS. Rates increase for older adults more than 70 years old.
Which company has the cheapest car insurance for seniors?
COUNTRY Financial has the cheapest car insurance rates for seniors, with an average monthly liability-only insurance rate of $28. Numerous factors affect car insurance rates, so compare quotes to find the best insurance policy for you.
Does AARP have cheaper car insurance?
AARP partners with The Hartford to offer the AARP Auto Insurance Program, which includes exclusive savings for AARP members. The Hartford usually offers lower insurance rates for seniors: Its average liability-only rate is $175 for drivers in their 60s. The national average is $88.
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