Cheap Auto Insurance for Seniors in 2025
Auto insurance for seniors is about $104 per month or $1,245 annually. Car insurance discounts for seniors over 65 are provided by some car insurance companies. GEICO, Progressive, AAA, and AARP car insurance for seniors are among the best options.
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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...
Licensed Insurance Agent
UPDATED: Jan 28, 2025
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- The average cost of auto insurance for seniors is $103.78 per month or $1,245.35 annually.
- Senior citizens 75 and older are more likely to file claims than any other age bracket.
- Discounts can help older drivers save money and get cheap senior car insurance.
Experience behind the wheel is a good thing, but age can take its toll. Vision impairment, slower reflexes, and an increased rate of fatal accidents make older drivers riskier to insure.
The average rate of senior auto insurance starts to increase around the age of 75. That means cheap auto insurance rates can be harder to find.
Our comprehensive guide will help ensure senior drivers get their best possible rates, even if they purchase more than the state’s minimum auto insurance requirements. Keep reading to learn more about how to buy auto insurance for seniors.
Our Top 10 Company Picks: Cheap Auto Insurance for Seniors
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $45 A+ Affordable Coverage Erie
#2 $46 A+ Customer Service Amica
#3 $48 B Trusted Reputation State Farm
#4 $49 A+ Usage-Based Discounts Nationwide
#5 $50 A++ Flexible Options Auto-Owners
#6 $52 A++ Military Benefits USAA
#7 $53 A+ Competitive Pricing Progressive
#8 $54 A+ AARP Partnership The Hartford
#9 $55 A Diverse Discounts Farmers
#10 $60 A Tailored Policies Liberty Mutual
Affordable auto insurance for seniors is out there if you take the time to shop around. Compare car insurance quotes for seniors by entering your ZIP code into our free tool above.
#1 – Erie: Top Overall Pick
Pros
- Affordable Coverage: Erie provides some of the most affordable rates for seniors, with a monthly cost of just $45 for minimum coverage.
- Low Monthly Rates: The $45 monthly rate for minimum coverage makes Erie a highly economical option for senior drivers.
- Strong Financial Stability: Erie’s A+ rating from A.M. Best demonstrates its strong financial stability, ensuring that policyholders can rely on the company for long-term coverage.
Cons
- Limited Coverage Options: While affordable, Erie may offer fewer coverage options compared to some other insurers, which may limit flexibility.
- Availability: Erie’s services may not be available in all states, limiting options for seniors in certain regions.
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#2 – Amica: Excellent Customer Service
Pros
- Customer Service Excellence: Amica is known for its high level of customer service, providing seniors with personalized attention and support for their auto insurance needs.
- Low Monthly Rates: At just $46 per month for minimum coverage, Amica offers competitive and affordable pricing for senior drivers.
- Strong Financial Rating: Amica’s A+ A.M. Best rating underscores the company’s financial reliability.
Cons
- Limited Discounts: Amica may not offer as many discount opportunities as some other insurers, which could result in less savings for seniors.
- Higher Rates for Some Drivers: Although affordable for many, some seniors may find that Amica’s rates are not the most cost-effective depending on their driving history.
#3 – State Farm: Trusted Reputation
Pros
- Trusted Reputation: State Farm is a highly reputable insurer with a long-standing track record of serving seniors with dependable coverage options.
- Low Monthly Rates: State Farm’s $48 per month for minimum coverage makes it a reasonably priced option for seniors.
- Widely Available: State Farm is available nationwide, making it a convenient choice for seniors across the United States.
Cons
- Lower A.M. Best Rating: With a B rating from A.M. Best, State Farm’s financial strength is lower compared to other companies on the list.
- Limited Policy Customization: While State Farm offers great value, there may be fewer options for customizing your policy to suit your exact needs.
#4 – Nationwide: Usage-Based Discounts
Pros
- Usage-Based Discounts: Nationwide offers discounts based on driving habits, which can be a major money-saver for seniors who drive infrequently.
- Affordable Monthly Rates: At $49 for minimum coverage, Nationwide offers reasonable monthly rates for senior drivers.
- Solid Financial Rating: With an A+ rating from A.M. Best, Nationwide demonstrates strong financial stability.
Cons
- Complex Discount Structure: The usage-based discount program may be confusing or not available in all areas, which can limit potential savings for seniors.
- Higher Costs for High-Risk Drivers: Seniors with a history of accidents or violations may see higher premiums despite the discounts available.
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#5 – Auto-Owners: Flexible Options
Pros
- Flexible Coverage Options: Auto-Owners provides a variety of flexible options for seniors, allowing customization of coverage to meet their unique needs.
- Low Monthly Rates: With a starting monthly rate of $50 for minimum coverage, Auto-Owners is competitive in pricing.
- Excellent A++ Rating: Auto-Owners’ A++ rating from A.M. Best reflects the insurer’s superior financial strength.
Cons
- Availability: Auto-Owners may not be available in all states, potentially limiting coverage options for some seniors.
- Fewer Online Tools: Compared to competitors, Auto-Owners might have fewer online resources or mobile app tools for policy management.
#6 – USAA: Military Benefits
Pros
- Military Benefits: USAA is the best choice for seniors who have served in the military, offering exclusive discounts and benefits tailored for military families.
- A++ Rating: With an A++ rating from A.M. Best, USAA is known for its financial strength and stability.
- Low Monthly Rates: At $52 per month for minimum coverage, USAA provides affordable rates for seniors with military connections.
Cons
- Eligibility Limitations: USAA only serves active and retired military members and their families, which limits its availability to other seniors.
- Limited Physical Branches: USAA’s primarily online and phone-based service can be less ideal for seniors who prefer face-to-face interactions.
#7 – Progressive: Competitive Pricing
Pros
- Competitive Pricing: Progressive offers some of the most competitive rates in the industry, with a monthly cost of $53 for minimum coverage.
- Variety of Discounts: Progressive provides several discounts for senior drivers, including multi-policy and safe driver discounts.
- A+ Financial Strength: Progressive’s A+ rating from A.M. Best speaks to the company’s financial security.
Cons
- Customer Service Challenges: Some seniors report that Progressive’s customer service can be difficult to reach or not as responsive as expected.
- Complex Policy Terms: Progressive’s policies can be more complicated than other providers, which might make understanding coverage options challenging for some seniors.
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#8 – The Hartford: AARP Partnership
Pros
- AARP Partnership: The Hartford partners with AARP to provide seniors with exclusive benefits and discounts on auto insurance.
- Competitive Monthly Rates: At $54 for minimum coverage, The Hartford offers affordable pricing for seniors, especially those who are AARP members.
- A+ Rating: The Hartford’s A+ A.M. Best rating ensures financial security for seniors choosing their coverage.
Cons
- Availability: The AARP partnership limits The Hartford’s policies to seniors who are AARP members, restricting eligibility.
- Higher Premiums for Some Drivers: Seniors with a poor driving history may find their premiums are higher compared to other providers on this list.
#9 – Farmers: Diverse Discounts
Pros
- Diverse Discounts: Farmers offers a wide range of discounts, such as multi-vehicle and multi-policy, which can help seniors save money on their insurance premiums.
- Affordable Monthly Rates: With a monthly rate of $55 for minimum coverage, Farmers offers competitive pricing.
- A Rating: With an A rating from A.M. Best, Farmers maintains good financial stability and reliability.
Cons
- Limited Coverage for Seniors: Farmers may not offer as extensive coverage options for seniors compared to other insurers.
- Premium Increases: Some seniors may experience premium increases after the first year of coverage, which could make it less affordable in the long run.
#10 – Liberty Mutual: Tailored Policies
Pros
- Tailored Policies: Liberty Mutual provides personalized coverage options, which can help seniors find an auto insurance plan that fits their specific needs.
- Reasonable Monthly Rates: At $60 for minimum coverage, Liberty Mutual offers rates that are competitive for seniors looking for affordable auto insurance.
- A Financial Rating: Liberty Mutual’s A rating from A.M. Best indicates solid financial stability.
Cons
- Higher Premiums: Liberty Mutual tends to have higher premiums for some seniors, especially those who are looking for comprehensive coverage.
- Limited Discounts: While Liberty Mutual offers some discounts, it might not have as many as some other insurers, which can affect overall savings.
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What should I know about auto insurance rates for seniors?
How does age affect auto insurance rates? In most states, women aged sixty receive the cheapest average rates. But does auto insurance go up when you turn 65? In some cases, yes.
Customarily, auto insurance companies determine your rates based on how risky a driver you are. Companies use fatal crash statistics to help determine which demographics are most at-risk.
Often, teenage drivers are given the highest rates. They lack driving experience and are known to cause accidents.
However, the National Highway Traffic Safety Administration reports that nineteen percent of all traffic fatalities from 2018 were 65 and older.
As you age, your eyesight fades, and your reaction time slows down, inhibiting your ability to avoid dangers while driving.
See details about senior drivers involved in fatal accidents in 2017 in the table below. The data is from the Insurance Information Institute.
Senior Driver Fatal Auto Accident Statistics
| Type of Vehicle Fatality | Percent Aged 65+ |
|---|---|
| Drivers involved in fatal crashes | 14% |
| Driver fatalities | 18% |
| Occupant fatalities | 18% |
| Pedestrian fatalities | 19% |
| Total traffic fatalities | 18% |
Data gathered from collisions, specifically with fatalities, show that elderly drivers are disproportionately vulnerable and at a higher risk for getting involved in collisions.
This is mostly because an older body is more susceptible to blunt force trauma and less resilient when recovering from a severe injury. Therefore, seniors are considered high risk drivers.
The following graph compares monthly rates for 75-year-old drivers versus 31-year-old drivers in different states across the country.
Senior citizen auto insurance quotes can be substantially higher than younger adults. However, the cost differences are less severe in some states, like Illinois and California.
While these statistics may be a little hard to deal with, the unfortunate reality is that even teenage drivers are less risky behind the wheel due to their quick reaction times.
The following graph compares monthly rates for 75-year-old drivers versus teenagers who qualify for discounts throughout the country. (For more information, read our “Car Insurance for Teenagers“).
As you can see, seniors do pay more than teens for auto insurance. Auto insurance for seniors in Florida and New York costs more than double.
Do seniors get a discount on auto insurance? To avoid overpaying for senior auto insurance, you should shop around for insurance. You can even save money by switching companies. Keep reading to see what discounts you may qualify for, and use our FREE tool to get a free quote today.
Read more: Government-Mandated Auto Insurance Discount for Seniors
What are the best auto insurance companies for seniors?
Older drivers are keeping their licenses longer than ever and are driving more and more each year.
What about a senior discount? Insurance companies have partnered with AARP and AAA to offer auto insurance discounts for seniors and help older drivers maintain their independence and ability to remain mobile.
If you’re wondering what factors affect rates for seniors, companies care about more than just age. Your recent driving history will also impact how your premium is calculated, as will your gender, credit history, and details about the city where you live.
Look at the table below, which compares the average car insurance rates by age and gender for senior citizens by age from Geico and Progressive. We used Maine and Louisiana because they are the states with the lowest and highest insurance rates in the nation, respectively.
Average Monthly Auto Insurance Rates for Senior Drivers by Age
| Age and Gender | (Maine) |  (Maine) | (Louisiana) | (Louisiana) |
|---|---|---|---|---|
| Age: 50 Male | $42.67 | $49.64 | $120.03 | $149.52 |
| Age: 50 Female | $46.00 | $49.64 | $132.36 | $179.09 |
| Age: 55 Male | $42.67 | $49.64 | $115.53 | $143.34 |
| Age: 55 Female | $46.00 | $49.64 | $131.03 | $170.52 |
| Age: 60 Male | $42.67 | $49.64 | $117.86 | $147 |
| Age: 60 Female | $46.00 | $49.64 | $131.70 | $181 |
| Age: 65 Male | $43.22 | $49.64 | $140.03 | $146 |
| Age: 65 Female | $46.00 | $49.64 | $144.70 | $169 |
| Age: 70 Male | $42.67 | $49.64 | $140.03 | $144 |
| Age: 70 Female | $46.00 | $49.64 | $144.70 | $166 |
| Age: 75 Male | $42.67 | $46.10 | $177.42 | $222 |
| Age: 75 Female | $46.00 | $46.10 | $185.04 | $214 |
| Age: 80 Male | $42.67 | $46.10 | $177.42 | $221.66 |
| Age: 80 Female | $46.00 | $46.10 | $185.04 | $214 |
So who has the cheapest auto insurance for seniors? When it comes to companies that offer the best auto insurance rates for senior men and women, Progressive and Geico insurance for seniors often comes out on top. In Maine and Louisiana, Progressive does have slightly better rates.
Remember, the state and city you live in will also affect your rates whether you are a mature driver or not.
AARP and AAA auto insurance for seniors over 65 provide similar rates to Progressive and Geico. Is AARP auto insurance a good deal? The best way to know if AAA or AARP auto insurance may be a good deal for you is by comparison shopping.
However, if you are 80 or older, you may have trouble finding car insurance over 80 in the first place. Some larger commercial companies will not insure drivers that age even with a clean driving record.
Read More: When is a car too old to drive?
What are eight tips to buying auto insurance for seniors?
There are a lot of things you can do to secure cheap car insurance for senior drivers. We rolled through some research and arrived at eight destinations where seniors could get closer to affordable auto insurance.
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Can you enroll in a state-regulated driving course?
Try taking a safe driver course. Online and in-person courses are available that can help refresh your standard and defensive driving skills, improve your driving habits, and provide you with an auto insurance discount.
Most states have a driving program that will give you a certificate once you complete the course.
Can you choose a vehicle that’s cheap to insure?
Luxury and sports cars are expensive to insure. If you want to save money, pick a vehicle with many safety features, such as Anti-Lock Brakes, a rearview camera, etc. Cars with a lot of safety features and a good crash rating have cheaper rates.
How can you protect your vehicle?
Did you know you can get cheaper rates for having anti-theft features on your vehicle? Auto insurance companies will give you a deal on auto insurance rates if you have anti-theft features on your car.
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Can you drive your vehicle less?
When you drive your vehicle less, you reduce the risk of getting into an accident, and you reduce your chances of filing a claim. Auto insurance companies will give you a discount on insurance premiums when you drive your car less than the average policyholder.
Can you get a higher deductible?
Think about getting a higher deductible to cut your insurance costs. Deductibles are the amount you have to pay before an auto insurance company pays for property damage to your vehicle. Therefore, a higher deductible limit means lower prices.
Can you just buy auto insurance coverages you need?
First, if you don’t drive very much, consider getting rid of some different types of car insurance products to lower your monthly rates. You might be able to get along just fine with only the state’s absolute minimum insurance coverage requirements.
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Can you bundle your auto insurance policy?
Another easy way to secure cheap insurance for senior citizens is by taking advantage of bundling. If you can bundle your home, auto, and even life insurance, you’ll likely see some hefty discounts.
Have you done a comparison shop for cheaper rates?
The best way to find the cheapest car insurance quotes is to comparison shop. You don’t have to buy the first quote you get and you should hold out for the lowest rates you can find from a reputable company. Shop around with multiple companies and compare rates to get the best deal.
Do seniors get discounts on auto insurance?
There are no federal government-mandated auto insurance discounts for seniors or low-income auto insurance for seniors, but there are still many other car insurance discounts that you might qualify for.
Companies offer everything from paperless discounts to multi-car discounts. Ask your insurance agent about what your company offers to see what can help save you money.
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What are the best cars for senior citizens?
If you’re looking for cheap senior citizen auto insurance, be mindful of the type of vehicle you drive. Some models cost more to insure because they’re more expensive to fix or replace.
Take a look at the following graph, which compares monthly auto insurance rates for an economy vehicle versus a luxury car.
Sports cars and luxury SUVs will always cost more to insure. If you’re over the age of 65, driving one of these vehicles gives insurance companies even more reason to hike up your rates.
Installing safety features on your vehicle will also help you qualify for discounts, even if you drive a basic sedan. It can also save your life.
The Insurance Information Institute reports that modern seatbelts and side air bags with head and torso protection lead to fewer fatalities of older drivers involved in accidents.
Front crash protection features, blind-spot detection, and other modern vehicle technology help decrease the rate of collisions.
Subaru’s simplified controls and added safety features make them ideal for older drivers. Higher seat entry levels make the cars easier to enter and exit. Choosing a vehicle that fits your safety needs will decrease your chances of getting into an accident.
Enter your ZIP code in the free quote tool below to compare rates on auto insurance quotes for seniors now.
What are frequently asked questions about auto insurance for seniors?
You’re now an expert on securing cheap senior auto insurance. Refer back to this guide as much as needed while comparison shopping. In the meantime, check out our frequently asked questions below.
#1 – Is over 75 car insurance expensive?
Car insurance for seniors over 70 may come with a price hike, but it depends on your insurance provider. Usually, age 75 is when rates start to rise steadily, with over 80 car insurance being significantly more expensive than insurance for those in the 70s age bracket.
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#2 – What is the best auto insurance for senior citizens?
The best auto insurance for you depends on your individual needs and demographics. If you don’t often drive, we recommend a fundamental policy through a company like Geico or Progressive. Both companies offer many discounts you may qualify for.
#3 – Is it better for seniors to shop online or with an independent broker?
An independent broker might be a good option for seniors. They’ll look for rates with your best interest in mind. However, online shopping is faster and gives you more control.
#4 – How can seniors easily compare rates?
You can easily compare auto insurance rates by entering your ZIP code into our free tool that appears on this page.
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#5 – What red flags should senior drivers look for?
Senior citizens should be careful not to purchase coverage that is too high, especially if you do not use their car often. Make sure whoever you give your personal information to is trustworthy and reliable.