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 $185 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.
Quick Facts
Senior drivers pay lower insurance rates compared to young drivers thanks to more driving experience.
Drivers 70 and older often see insurance premiums increase because the risk of having an accident rises again with age.
Many car insurance companies offer policy discounts for senior drivers that can help you manage the cost of your auto insurance premiums.1
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
Insurify reviewed a variety of car insurance companies when choosing the best options for senior drivers in Texas. We considered factors like the best insurance rates for Texas seniors, availability of mature driver discounts, policyholder benefits, customer service reputation, and more.
Quotes for State Farm, USAA, and GEICO are estimates based on Quadrant Information Services’ database of auto insurance rates.
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.
Car insurance for seniors FAQS
As a senior driver in Texas, it’s important to search for the cheapest rates and the best insurance products for your specific coverage needs. The following information can help answer your remaining questions about car insurance for seniors.
Why do auto insurance rates increase for seniors?
In general, seniors qualify for more affordable car insurance than younger drivers because mature drivers tend to have more experience behind the wheel. But drivers 70 and older have a higher risk of vehicle accidents. As a result, the average cost of car insurance rates for drivers tends to increase around this age as well.
For more insight, you can speak to a licensed insurance agent.
Does the cost of car insurance go down when you retire?
Retiring won’t specifically affect your auto insurance premium, but you can save money on car insurance when you retire in a few potential ways.
For example, if you’re driving your vehicle less in retirement, you can search for an insurer that offers low-mileage car insurance. This type of insurance coverage might make sense for you if you don’t plan to put many miles on your vehicle after you stop working.
Which company has the cheapest car insurance for seniors?
Senior drivers in Texas may find the cheapest car insurance for seniors with State Farm. The average State Farm monthly quote for senior drivers is $46 for liability-only coverage and $74 for full coverage.
But it’s a good idea to compare rates from multiple insurance companies to make sure you find the best auto insurance and premiums for your budget. Your personal driving record, driving habits, coverage selections, deductible, car insurance discount options, and other factors can affect your premiums.
Does AARP have cheaper car insurance?
Some senior citizen drivers might save money on auto insurance by using the AARP Auto Insurance Program through The Hartford. AARP members 50 and older may qualify for a discount of up to 10% on their insurance premiums using this program.
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