Best Car Insurance for Senior Drivers in Texas (2025)
State Farm, USAA, and GEICO are three of the best car insurance companies for senior drivers in Texas.
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Senior drivers in Texas in their 60s pay an average of $105 per month for liability car insurance and $186 for full coverage. But older drivers in their 70s and 80s will likely face increased auto insurance premiums.
One of the best ways to find cheap coverage as a senior driver is to compare car insurance quotes online. Here’s what you need to know about car insurance for senior drivers in Texas.
Best car insurance companies for seniors in Texas
If you’re looking for car insurance in Texas, it’s a good idea to shop around and compare quotes from multiple car insurance companies to find the best deal available. Below, you can learn more about a few of the best car insurance companies for senior drivers in the Lone Star State to help make the research process easier.
State Farm: Best for low rates
USAA: Best for veterans, military members, and their families
GEICO: Best for accident forgiveness
Cost of car insurance for senior drivers
As you age, your insurance risks change, and insurers will adjust your car insurance costs according to your age group.2 In general, drivers in their 60s pay the lowest insurance premiums by age, but drivers age 70 and older begin to see a slight increase in the price of their car insurance rates.
Compare average liability quotes by driver age for senior drivers in Texas.
Discounts for senior drivers
Depending on your age, driving record, and financial situation, Texas car insurance rates could become more difficult to manage for some senior drivers. Yet if you shop around, you may find that some insurers offer senior discounts that have the potential to save you money and help you find more competitive rates.
Below are some examples of car insurance discounts that might be available from different auto insurance companies.
Mature driver discount: A senior discount may be available to drivers older than 65. You might need to meet certain criteria to qualify, such as having a clean driving record or maintaining continuous insurance coverage.
Good driver discount: People without a recent speeding ticket on their driving record or who haven’t had any at-fault accidents for a certain period of time may be eligible for this type of discount from certain insurers.
Defensive driving course discount: Some insurance companies may offer senior drivers a discount for taking a defensive driving course. But mature drivers might have to repeat the course every few years to keep their lower rates.
Military member discount: Veterans, active-duty military members, and drivers facing emergency deployment may qualify for discounts on their car insurance rates from many different insurance companies.
AARP member discount: The AARP Auto Insurance Program from The Hartford offers senior drivers discounts on auto insurance.
Low-mileage driver discount: If you’re a senior who drives limited miles, you may be able to find an insurance company that offers lower premiums for low-mileage drivers.