+120 more)
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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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Seniors pay an average of $117 per month for car insurance.
COUNTRY Financial offers the cheapest minimum coverage for older drivers, at $32 per month.
COUNTRY Financial has the cheapest full-coverage policies for seniors, at $58 per month.
Seniors who belong to AARP may qualify for an affinity discount. Older drivers can also save money with a usage-based insurance program.
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.
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 aged 60 and older. The table below highlights the cheapest companies for seniors, according to Compare.com data.
Company  | Average Monthly Premium: For 60-Year-Olds | Average Monthly Premium: For 70-Year-Olds |
|---|---|---|
| COUNTRY Financial | $32 | $29 |
| Auto-Owners | $34 | $31 |
| NJM | $35 | $35 |
| State Farm | $40 | $36 |
| USAA | $41 | $42 |
| Mile Auto | $50 | $55 |
| Erie | $52 | $51 |
| Allstate | $58 | $55 |
| American Family | $60 | $55 |
| Commonwealth Casualty | $65 | $76 |
| GEICO | $65 | $63 |
| Nationwide | $65 | $63 |
| National General | $68 | $71 |
| Direct Auto | $72 | $74 |
| Mercury | $72 | $77 |
| Root | $74 | $73 |
| The General | $74 | $77 |
| Travelers | $74 | $76 |
| Dairyland | $75 | $85 |
| Safeco | $78 | $79 |
| Chubb | $79 | $75 |
| Bristol West | $81 | $83 |
| Farmers | $81 | $78 |
| Shelter | $82 | $79 |
| GAINSCO | $86 | $98 |
| Anchor | $88 | $85 |
| AssuranceAmerica | $89 | $108 |
| The Hartford | $90 | $88 |
| Elephant | $93 | $97 |
| 21st Century | $96 | $100 |
| CSAA | $99 | $93 |
| State Auto | $101 | $110 |
| Liberty Mutual | $124 | $120 |
| Clearcover | $125 | $133 |
| Amica | $197 | $204 |
Basic policies start as low as $32 per month.
Older drivers typically pay some of the cheapest car insurance rates. They tend to have more experience and safer driving habits, which lowers their chances of getting into an accident. Insurers reward this experience with lower premiums.
Check out the table below for the five cheapest companies for 65-year-old drivers, according to our data.
Insurance Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $32 |
| Auto-Owners | $34 |
| NJM | $35 |
| State Farm | $40 |
| USAA | $41 |
While car insurance rates tend to decrease as you age, they start to creep up again once you reach age 70. Factors like slower reaction times and weaker vision increase the risk of an accident. Insurance companies bump up rates to offset the increased risk.
The table below shows the cheapest insurers for 75-year-old drivers, according to our data.
Insurance Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $29 |
| Auto-Owners | $31 |
| NJM | $35 |
| State Farm | $36 |
| USAA | $42 |
If you get a speeding ticket, your insurance company may raise your rates when it’s time to renew your policy. Speeding increases your risk of getting into an accident, which raises the odds that your insurer will have to pay for a costly claim.
Here are the cheapest insurers for older drivers with a ticket, according to Compare.com data.
Insurance Company | Average Monthly Premium: For 65-Year-Olds | Average Monthly Premium: For 75-Year-Olds |
|---|---|---|
| Auto-Owners | $45 | $42 |
| COUNTRY Financial | $47 | $42 |
| State Farm | $50 | $46 |
| NJM | $53 | $53 |
| USAA | $53 | $54 |
Your insurance company will likely charge you more for coverage after an at-fault accident. Accidents are usually the result of risky driving behavior, and filing a claim for one means you’re more likely to file another claim in the future.
Check out the table below for the five cheapest insurers for seniors with an accident on their record, according to our data.
Insurance Company | Average Monthly Premium: For 65-Year-Olds | Average Monthly Premium: For 75-Year-Olds |
|---|---|---|
| Auto-Owners | $43 | $40 |
| COUNTRY Financial | $44 | $40 |
| NJM | $49 | $49 |
| State Farm | $52 | $47 |
| USAA | $54 | $55 |
Driving under the influence (DUI) is one of the most dangerous things you can do behind the wheel. Your insurer will charge you some of the highest rates after a DUI conviction. And some companies may refuse to cover you altogether.
But some insurers specialize in working with high-risk drivers. Below are the five cheapest companies for senior drivers with a DUI, according to our data.
Insurance Company | Average Monthly Premium: For 65-Year-Olds | Average Monthly Premium: For 75-Year-Olds |
|---|---|---|
| COUNTRY Financial | $42 | $38 |
| Auto-Owners | $50 | $46 |
| NJM | $56 | $56 |
| State Farm | $59 | $53 |
| USAA | $60 | $61 |
Many states let insurance companies consider your credit history when setting rates. Maintaining good credit translates to lower rates. But drivers with a poor credit history tend to file more claims, so insurers charge them more for coverage.
The table below lists the cheapest car insurance companies for seniors with poor credit, according to our data.
Insurance Company | Average Monthly Premium: For 65-Year-Olds | Average Monthly Premium: For 75-Year-Olds |
|---|---|---|
| COUNTRY Financial | $42 | $38 |
| Auto-Owners | $50 | $46 |
| NJM | $56 | $56 |
| State Farm | $59 | $53 |
| USAA | $60 | $61 |
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 | 3.9 |
|---|---|
| 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. | $107/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.
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 | 4.3 |
|---|---|
| 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. | 4.5 /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. | $53/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. | $98/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.
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 | 3.8 |
|---|---|
| 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. | 4.2 /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. | $156/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. | $244/mo |
Customers appreciate the pleasant customer service and AARP discounts but dislike the frequent price increases and complex payment process.
Customers appreciate the pleasant customer service and AARP discounts but dislike the frequent price increases and complex payment process.
The Hartford partnered with AARP to offer senior drivers great coverage and affordable rates. AARP members can save money on their premiums, plus get discounts for getting an online quote and bundling auto and home insurance. The Hartford also offers features like accident forgiveness and vanishing deductible.
Savings for AARP members
Various coverage options
Bundling discounts available
Mixed customer satisfaction scores
Can be more expensive than some competitors
Poor Trustpilot rating
Car insurance rates can vary dramatically between companies, even for the same coverage. Every insurer weighs factors differently and has its own method of calculating risks.
Senior drivers pay an average of $85 per month for liability coverage and $148 per month for full coverage.
The table below lists average rates for seniors from some top insurers, according to Compare.com data.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $200/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $76/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $82/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $115/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $59/mo* |
Overall Rating 3.8 | Overall Rating 4.3 | Overall Rating 3.9 | Overall Rating 4.1 | Overall Rating 0.0 |
Value 3.2/5 | Value 4.9/5 | Value 4.0/5 | Value 4.2/5 | Value 0.0/5 |
Customer Service 3.6/5 | Customer Service 4.4/5 | Customer Service 4.4/5 | Customer Service 4.3/5 | Customer Service 0.0/5 |
Claims Handling 3.5/5 | Claims Handling 4.2/5 | Claims Handling 4.0/5 | Claims Handling 4.0/5 | Claims Handling 0.0/5 |
Special Highlight AARP member discountsAI-generated from 30 user reviews | Special Highlight Low rates for military familiesAI-generated from 65 user reviews | Special Highlight Flexible coverageAI-generated from 302 user reviews | Special Highlight Mature driver discountsAI-generated from 250 user reviews | Special Highlight Cheap rates for seniorsAI-generated from 0 user reviews |
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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).[4]
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.[5]
Knowing these details gives you an advantage when shopping for coverage. Instead of accepting a higher quote on first offer, ask about specific senior discounts and programs that might save you money.
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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.
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.
That said, no insurer offers a discount based only on your age. Companies typically tie a senior discount to completing a defensive driving course or membership to an affinity group.
Discount Type | Potential Savings | How to Qualify | Companies That Offer It |
|---|---|---|---|
| Senior citizen discount | N/A | N/A | None |
| Affinity discount | 10% | Belong to a qualifying organization | GEICO, Nationwide, The Hartford |
| Defensive driving course discount | 20% | Complete an approved defensive driving course | State Farm, GEICO, Allstate, USAA, COUNTRY Financial, Progressive |
| Low-mileage discount | 20% | Drive less than a certain number of miles | State Farm, Allstate, Nationwide, USAA, Progressive |
| Safe driving discount | 30% | Monitor driving habits with mobile app or plug-in device | State Farm, GEICO, Allstate, Nationwide, USAA, The Hartford, COUNTRY Financial |
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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:
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.
Insurance companies look closely at your recent driving history. The fewer accidents you have, the better your insurance rate can be.
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.
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.[6]
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 $32 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 $90 per month for liability coverage and $141 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.
Yes. The Hartford offers up to 10% off your rates with an AARP membership. Some insurance companies offer discounts for belonging to specific groups, so check with your insurer to find out if you qualify for any affinity discounts.
Yes. Drivers older than age 70 typically pay more for car insurance. Rates usually decline as you age but start to creep up again after age 70 due to factors like slower reaction times and declining vision.
It depends. Whether you should switch car insurance companies hinges on how well your current policy meets your needs. Some car insurance companies offer cheaper rates for seniors who complete a defensive driving course or who don’t drive often. Check with your insurer to see if it offers any senior-specific perks. If not, it may be time to consider switching companies.
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.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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