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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Getting older comes with perks when it comes to car insurance. Seniors typically enjoy some of the lowest rates around, thanks to decades of driving experience and generally safer habits behind the wheel.
But auto insurance rates start creeping up again once you reach your 70s. That’s because crash risks increase slightly as we age.[1] But you’ve got options if you shop around and compare rates.
In this article, we’ll highlight the cheapest car insurance for seniors and how to keep your rates low without sacrificing coverage.
COUNTRY Financial offers the lowest average rates for seniors, at $13 per month.
Some insurers offer special discounts for seniors who maintain safe driving records, drive fewer miles, or complete defensive driving courses.
Some states require insurance companies to provide premium reductions to seniors who finish approved driving courses.
Each car insurance company has its own formula for setting rates, so rates will vary from one company to the next. That’s why shopping around is a must for seniors looking for cheap car insurance.
We’ve analyzed dozens of companies to find the best rates for drivers 60 and older. The table below highlights the cheapest companies for seniors, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $13 |
| NJM | $16 |
| Auto-Owners | $24 |
| USAA | $36 |
| Erie | $37 |
| Mile Auto | $38 |
| State Farm | $40 |
| GEICO | $42 |
| Allstate | $48 |
| American Family | $53 |
| Nationwide | $58 |
| The Hartford | $58 |
| CSAA | $59 |
| Root | $59 |
| Progressive | $60 |
| Travelers | $68 |
| Mercury | $68 |
| Direct Auto | $69 |
| National General | $70 |
| Shelter | $74 |
| Chubb | $74 |
| State Auto | $75 |
| Dairyland | $76 |
| 21st Century | $77 |
| Commonwealth Casualty | $78 |
| Farmers | $79 |
| Safeco | $80 |
| The General | $82 |
| Bristol West | $87 |
| Foremost | $94 |
| Elephant | $101 |
| GAINSCO | $102 |
| Clearcover | $106 |
| AssuranceAmerica | $107 |
| Amica | $111 |
| Infinity | $121 |
| Liberty Mutual | $140 |
COUNTRY Financial has cheap average rates, at just $13 per month. NJM comes in second, while Auto-Owners rounds out our top three with low monthly rates for senior drivers, too.
Still, these may not be the cheapest companies for you, since many factors — including your driving record — affect what you’ll pay.
Basic policies start as low as $13 per month.
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It’s normal to experience age-related declines that can affect your driving and increase your rates. Senior drivers are more likely to experience hearing and vision declines and slower reaction times, which increases their risk of car accidents, according to the National Highway Traffic Safety Administration (NHTSA).[2]
But many insurers offer special programs and discounts that recognize your years of experience behind the wheel. Some give price breaks for safe driving habits, while others offer lower rates if you drive fewer miles.
Your state might also have specific rules about how insurers can treat senior drivers. For example, Florida state law requires car insurance companies to give discounts to drivers 55 and older who complete a mature driver (senior citizen) discount course.[3]
Knowing these details gives you an advantage when shopping for coverage. Instead of accepting a higher quote at first offer, ask about specific senior discounts and programs that might save you money.
Finding the best insurance company in your golden years isn’t just about getting the lowest price. It’s about finding a company that understands your needs and offers the right mix of value, customer service, and coverage options.
Based on our research, several companies consistently stand out for senior drivers.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Arkady
April 27, 2025
What's going on?
John
April 27, 2025
Not very user-friendly
Peter
April 20, 2025
Average Type
State Farm is best for senior drivers who no longer commute regularly and drive less than 7,500 miles per year. The company’s Drive Safe & Save program uses a mobile app to track how much you drive and how safely you do it. It updates your rate each time your State Farm policy renews, so you’re always paying based on your current habits.
Savings of up to 30%
Flexible coverage options
Multiple discounts available
Gap coverage not available
Mileage limits apply
Discount fluctuates based on actual driving
| User Reviews | 4.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $97/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Lester
March 16, 2025
Lack of Human Interaction
Ralph
February 28, 2025
Poor Service
David
February 24, 2025
Good Company but Way Too Expensive
USAA is a great option for senior drivers who are military veterans. The company understands the needs of the military community and delivers quality service to match. While USAA doesn’t offer a specific insurance discount for senior drivers, you’ll find clean driving record discounts and bundling options that can help reduce your overall insurance costs.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers appreciate the excellent service but find the insurance to be costly, especially in certain states.
Drivers appreciate the excellent service but find the insurance to be costly, especially in certain states.
Amica has plenty to offer seniors, including full-coverage policy options to customize your protection. It also has an upgraded Platinum Choice Auto package for more perks, including glass coverage without deductibles, no daily limit for car rental coverage, and 24/7 identity fraud monitoring. You’ll appreciate its bundling discount (up to 30%) and defensive driving course savings.
Roadside assistance available
Above-average claims satisfaction[6]
Money-back dividend options
Few local branch offices
Not available in all states
Discounts not available in every state
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Insurance companies offer plenty of discounts that are perfect for seniors. A defensive driving course discount is one of the easiest to snag. If retirement has your car sitting in the garage more than it’s on the road, be sure to ask about savings for low mileage, too.
Bundling can reduce your overall insurance costs. Combining your auto insurance policy with homeowners or renters insurance almost always leads to a good car insurance discount. And don’t forget about membership perks. If you belong to AARP or alumni associations, check with your insurer’s customer service to see if you can get an affinity discount.
You might also consider usage-based insurance programs. These programs use a small device or smartphone app to track driving habits. If you’re a safe driver who avoids late-night trips and hard braking, you could save a bunch.
The key is to review your insurance policy every six months or so. Discounts and programs change, and what wasn’t available last time might save you money now.
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Don’t settle for high car insurance rates just because of your age. You’ve got more control over your premiums than you might think. Here are strategies to help keep the costs down:
Drive a sensible car. Luxury cars might be tempting as a retirement splurge, but they can come with sky-high insurance premiums. Midsize sedans with great safety ratings are usually good cars with lower insurance rates.
Keep your driving record clean. Insurance companies look closely at your recent driving history. The fewer accidents you have, the better your insurance rate can be.
Consider cutting back your mileage. You might consider public transportation or carpooling. Or if you’re spending less time on the road in retirement, you may qualify for low-mileage discounts.
Review your coverage levels annually. If you’re driving less in retirement, consider eliminating unnecessary coverage. For example, if you drive an older paid-off vehicle, you may not need full coverage.
Get affordable coverage from top companies.
Though seniors get some of the best rates of all age groups, even cheaper rates are still possible. Here are some common questions and answers about cheap car insurance for seniors.
Seniors can lower their costs by taking defensive driving courses, using low-mileage discounts, bundling policies, and shopping around regularly. Many insurers also offer specific senior discounts, but it’s best to ask your insurer directly, since some companies may not advertise every discount.
Probably not. Specific data about elderly drivers without insurance may be limited, and uninsured motorist rates vary by state. Still, elderly drivers may be less likely to drive without car insurance because they tend to be more responsible drivers and aware of their limitations.[7]
Driving without insurance is risky at any age. Seniors should pay close attention to policy renewal dates to avoid an insurance lapse.
COUNTRY Financial has the lowest car insurance rates for seniors, at $13 per month, according to our data.
That said, premiums depend on factors like location, driving record, and vehicle. Plus, quotes vary quite a bit between companies, so comparing multiple quotes is the best way to find a great deal.
Seniors with an AARP membership can get car insurance through The Hartford. The company charges an average of $58 per month for liability coverage and $102 for full coverage, according to our data. Your AARP membership can save you up to 10% on your premiums, but keep in mind that your cost depends on your location, driving history, vehicle, and coverage choices.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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