Senior Driver Discount: How Much Can You Save?
A senior driver discount can help drivers over the age of 55 save up to 15% with state programs. Some companies offer discounts to older drivers that can help them save hundreds of dollars on annual premiums. If you are looking for a defensive driving class for a senior discount, they are free and can be taken online.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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UPDATED: Apr 6, 2025
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- Drivers in their 50s and 60s have the lowest auto insurance rates than any other age group
- Most states have a mandatory senior discount, also known as a mature adult discount
- Seniors drivers can also take courses to qualify for certain discounts
If you’re over the age of 65 — or in some cases 55 — you may get a senior driver discount on your auto insurance policy. Drivers in these age groups tend to be more cautious on the road, and for that, they are rewarded.
Finding a cost-saving senior driver auto insurance discount will be easy. More than half the states in the country require or willingly offer savings to senior drivers.
There are also other types of discounts seniors can get for safe driving. Learn about how to find affordable senior driver discounts in this auto insurance guide.
If you’re ready to compare auto insurance quotes with senior driver discounts included, use our free tool. Enter your ZIP code above to see what’s available in your area.
Which auto insurance companies offer senior driver discounts?
There are various auto insurance discounts to ask for if you’re over a certain age. The following auto insurance companies have senior driving discounts:
- 21st Century
- Allstate (10%)
- Esurance
- Farmers Insurance
- MetLife (10%)
- The General (5%)
- The Hanover (5%)
- The Hartford
- USAA
If you don’t see your provider on this list, don’t panic. You can always ask your insurance company about other auto insurance discounts you may qualify for based on not only age but also the kind of car you drive and how often you drive it.
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What affects auto insurance rates for seniors?
Even though you’ve hit your golden years, no driver is immune to the calculating factors that make up an insurance policy. Factors that impact your auto insurance rates include your health, driving history, and where you live.
See the table below for a list of average auto insurance rates for seniors by age:
Average Monthly Auto Insurance Rates for Senior Drivers by Age
| Age and Gender |  (Maine) |  (Maine) | (Louisiana) | (Louisiana) |
|---|---|---|---|---|
| Age: 50 Male | $43 | $50 | $120 | $150 |
| Age: 50 Female | $46 | $50 | $132 | $179 |
| Age: 55 Male | $43 | $50 | $116 | $143 |
| Age: 55 Female | $46 | $50 | $131 | $171 |
| Age: 60 Male | $43 | $50 | $118 | $147 |
| Age: 60 Female | $46 | $50 | $132 | $181 |
| Age: 65 Male | $43 | $50 | $140 | $146 |
| Age: 65 Female | $46 | $50 | $145 | $169 |
| Age: 70 Male | $43 | $50 | $140 | $144 |
| Age: 70 Female | $46 | $50 | $145 | $166 |
| Age: 75 Male | $43 | $46 | $177 | $222 |
| Age: 75 Female | $46 | $46 | $185 | $214 |
| Age: 80 Male | $43 | $46 | $177 | $222 |
| Age: 80 Female | $46 | $46 | $185 | $214 |
If you suffer poor vision or hearing loss, your insurance rates may increase. Where you live may also increase senior driver auto insurance rates. If you live in a city or somewhere with a high risk of vehicle theft or break-ins, your insurance company will quote your policy with higher rates due to the high-risk factor.
Which states have a government-mandated auto insurance discount for seniors?
In 34 states across the country, insurance companies are required to give senior discounts. Some are contingent on a few eligibility requirements, including a driving course, while others are offered with age.
In West Virginia, drivers over 60 years old qualify for a Golden Mountaineer Card. This car provides free discounts to seniors on various products and services, including car insurance.
Below is the list of states that have some form of senior driver discount:
States with a Senior Driver Discount
| State | Availability |
|---|---|
| Alabama | ✓ |
| Alaska | ✓ |
| Arizona | ✗ |
| Arkansas | ✓ |
| California | ✓ |
| Colorado | ✓ |
| Connecticut | ✓ |
| Delaware | ✓ |
| Florida | ✓ |
| Georgia | ✓ |
| Hawaii | ✗ |
| Idaho | ✓ |
| Illinois | ✓ |
| Indiana | ✗ |
| Iowa | ✗ |
| Kansas | ✓ |
| Kentucky | ✓ |
| Louisiana | ✓ |
| Maine | ✓ |
| Maryland | ✗ |
| Massachusetts | ✗ |
| Michigan | ✗ |
| Minnesota | ✓ |
| Mississippi | ✓ |
| Missouri | ✗ |
| Montana | ✓ |
| Nebraska | ✗ |
| Nevada | ✓ |
| New Hampshire | ✗ |
| New Jersey | ✓ |
| New Mexico | ✓ |
| New York | ✓ |
| North Carolina | ✗ |
| North Dakota | ✓ |
| Ohio | ✗ |
| Oklahoma | ✓ |
| Oregon | ✓ |
| Pennsylvania | ✓ |
| Rhode Island | ✓ |
| South Carolina | ✓ |
| South Dakota | ✗ |
| Tennessee | ✓ |
| Texas | ✗ |
| Utah | ✓ |
| Vermont | ✗ |
| Virginia | ✓ |
| Washington | ✓ |
| West Virginia | ✓ |
| Wisconsin | ✗ |
| Wyoming | ✓ |
Some states require a driving course in order to be eligible for the discount. For example, the California DMV has a mature driver improvement course for drivers 55 and older that can help drivers save up to 15% on auto insurance.
Illinois and other states operate the same way and offer a free defensive driving course for seniors to take advantage of for max savings.
After completing these defensive driving courses, drivers may get a certificate that is good for one to three years. Some states claim seniors can save up to $500 on car insurance after taking a course.
These state-mandated senior driving discounts provide you and your insurance company some extra security knowing that you’re staying safe on the road.
Residents can complete some of the senior driver discount courses online. If you are going to take a program, be sure that your state’s Department of Motor Vehicles approves it.
Read more: Government-Mandated Auto Insurance Discount for Seniors
Senior Driver Discounts: The Bottom Line
Senior driver discounts are commonly found in most states across the country. Mature drivers can save up to 15% on their auto insurance rates with senior discounts.
If you live in a state with government-mandated car insurance discounts for seniors, it’s best to check with your local DMV to see what your state requires to qualify.
Enter your ZIP code below to see if senior driver discount auto insurance rates are available with a provider near you.