Best Car Insurance for Senior Drivers (2025)
Progressive, Nationwide, and State Farm offer some of the best coverage options and savings opportunities for senior drivers.
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Written byJulia Taliesin
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Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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Edited byEvelyn Pimplaskar
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Table of contents
Table of contents
Seniors typically pay the lowest car insurance premiums of any age group. The national average monthly liability-only premium for all age groups is $105, but drivers in their 60s pay $82 on average, according to Insurify data.
Accident risks start to increase after age 70, so you’ll likely see your car insurance premiums rise as you age.[1] But insurance rates can vary widely among insurers no matter your age. And since many retired people live on fixed incomes, comparing car insurance quotes is especially important for senior drivers.
Quick Facts
Many insurers offer low-mileage discounts or usage-based policies that could make sense for seniors who don’t drive much.
Seniors who complete driver safety programs from AAA or AARP could get a discount on coverage.
Drivers in their 60s have the lowest car insurance rates of all age groups.
Best car insurance companies for seniors
Affordability is just one factor to consider when shopping for car insurance. The best insurance company for you depends on your needs and unique driver profile, so it’s always worth comparing quotes to find the right fit.
These three companies have below-average monthly rates for senior drivers, ample discount opportunities, and robust customer support options.
Progressive: Best for savings options
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| 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. | $101/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. | $154/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,866)
Kiawna
May 27, 2025
Verified Review
Car insurance quote
It's okay. But now my insurance for a car that is over 10 years old has gone up a little over $100 a month. They now want $330/month for liability only on a 2014 Toyota Camry. I have 1 minor ticket (stop sign) over 2 years ago, and 1 hit and run that was someone else's fault. Really, $330 a month for liability only on an 11-year-old car?
Shirley
May 26, 2025
Verified Review
Unmotivated Agent
The claim for the accident GAP did not come to fruition as I passed the deadline. The agent did not seem very motivated.
Colleen
May 26, 2025
Verified Review
Sucked us in at a good rate then 6 months later raised the rates 40%
They offer a good rate initially, but then raise your rates significantly at the next billing cycle.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive offers multiple coverage options and savings opportunities. If you have more than a car to insure, you can save by bundling your policies since Progressive sells home, life, pet, and even jewelry insurance.
The insurer offers a homeowner discount — on top of any bundling savings — and discounts for things like paperless billing, automatic payments, and paying your full premium up front. Progressive also has three levels of accident forgiveness coverage.
Pros
24/7 roadside assistance coverage
Insures classic cars and golf carts
Has a usage-based insurance option
Cons
Below-average J.D. Power customer satisfaction rating
Below-average J.D. Power claims satisfaction rating
No low-mileage or safety features discounts
Nationwide: Best for low-mileage drivers
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| 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. | $86/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. | $179/mo |
4.4
Best choiceBased on 860 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (483)
Nicholas
May 14, 2025
Verified Review
Poor
Nationwide is very overpriced for what they offer.
Ronald
May 11, 2025
Verified Review
Nationwide opinion
Nothing bad about Nationwide, but it needed to be more affordable.
Stephen
May 11, 2025
Verified Review
Cost is too high
Too expensive for someone who was a customer for 20 years and never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nationwide offers traditional auto insurance products, but it also has one of the most widely available pay-per-mile car insurance programs. With a SmartMiles policy, you pay a base monthly rate and a per-mile rate, adding up to your monthly premium. If you drive short distances or infrequently, enrolling in SmartMiles could be a great way to save money on auto coverage each year. Nationwide will track your miles either through an installed device or your connected vehicle.
Pros
Safe driving discount of 10% after first renewal
Road-trip exception for pay-per-mile policies (only first 250 miles count in one day)
Transparent online access to mileage and payments
Cons
SmartMiles unavailable in Alaska, Hawaii, Louisiana, North Carolina, New York, and Oklahoma
Below-average J.D. Power claims satisfaction rating
Not the cheapest option for standard coverage
State Farm: Best for 24/7 customer support
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $55/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. | $117/mo |
4.1
Best choiceBased on 11,147 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,007)
Florinda
May 26, 2025
Verified Review
Too much
Extremely high insurance premiums. I’m looking for something much lower than $150.
Karon
May 25, 2025
Verified Review
Lousy customer service
I was told 6 weeks ago that I had a refund coming when I switched from a homeowner's policy to a renter's policy. I never received the check. Now it's another 3 weeks before they can re-issue the check. I applied for a re-rate three weeks ago on my auto policy, as I am paying over $100 a month for driving less than 50 miles a week. I still haven't received a reply to that application.
Peggy
May 25, 2025
Verified Review
Mediocre
Addresses concerns quickly, but rates keep going up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers two kinds of around-the-clock customer support: a 24/7 phone line for insurance payments and a 24/7 emergency roadside assistance policy add-on. Drivers seem to appreciate it: The insurer scored above average for overall customer satisfaction in every region of the U.S., according to a 2024 J.D. Power study.
State Farm sells home and life insurance you can bundle with your auto policy for added savings. You can also take advantage of discounts for low mileage, good driving, and more.
Pros
High J.D. Power claims satisfaction rating
Insures classic and antique cars
Offers supplemental Medicare and general health insurance
Cons
Gap insurance not available
Accident forgiveness only available to long-time customers
Not available in all U.S. states
Our editorial team analyzed more than 40 regional and national auto insurance companies to assess which offer the best rates, coverage options, and savings to senior drivers. We prioritized competitive rates, broad availability, 24/7 customer service, low-mileage discounts or programs, homeownership discounts or bundling options, specialty or supplemental coverages, and safe driving discounts in our review.
How to find the best car insurance
Your location, driving record, and lifestyle affect what insurance companies offer the best coverage and price for your unique needs. These are some things to consider as you hunt for the best policy for you.
Look for coverages that fit your lifestyle
Think about what your state, leasing company, or lender requires and what coverage will suit your needs. If you lease or finance your car, your leasing company or lender will require you to have full-coverage car insurance. The required state-minimum amount of liability protection differs by state but could be the right option if you’re not on the road much or drive an older car worth less than you’d pay for your policy.
Add-ons like 24/7 roadside assistance coverage and MedPay — which covers medical or funeral expenses for you and your passengers — could also give you peace of mind.
Consider adjusting your deductible
Assess your budget and cash flow to determine the right deductible. If you have enough savings to cover a high collision or comprehensive deductible when you file a claim, you could save money on your premium.
Some insurers offer discounted rates if you pay your premium up front, which is another way to save on monthly expenses if you have the cash.
Compare quotes from multiple insurers
Shopping around for car insurance and comparing costs before you buy a policy are among the best ways to save money on car insurance. Comparing quotes will help you figure out which insurers have the coverage, discounts, and features you want at a price that works for your budget.
The Insurance Information Institute recommends getting at least three quotes and asking family and friends for their recommendations.
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Take advantage of discounts
Research or ask about senior-friendly discounts that you might qualify for. For example, a low-mileage discount could save you money if you don’t drive often or very far.
If you have a clean driving record, you may also qualify for accident-free or safe-driver discounts. Senior citizens who complete AAA or AARP’s driver safety programs may be eligible for a senior discount.[2] [3]
Cost of car insurance for senior drivers
Car insurance rates for senior drivers are typically lower than for any other driver age group. But as accident risks and frequency increase with age, seniors usually see their rates start to increase slightly around age 70.
Age | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| 60 | $77 | $155 |
| 70 | $82 | $165 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Driving experience and risk factor significantly into how companies set car insurance premiums. For example, teens pay an average rate of $201 monthly for liability coverage, while drivers in their 70s pay less than half that, on average.
Drivers aged 20–24 have the highest crash rates of any age group, according to the Insurance Institute of Highway Safety (IIHS).[4] The crash rate drops from there, but the fatal crash rate among older drivers increases slightly for drivers 70 and older, reflecting a higher risk, increased likelihood of filing insurance claims, and more costly premiums.
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Learn More: How Much Does Car Insurance Increase After an Accident?
Cheapest car insurance for senior drivers by state
The cheapest car insurance company for you can vary widely based on where you live. Everything from your state’s insurance regulations to whether you live in an urban or rural ZIP code can affect your premiums.
Even more factors can influence your best option. For example, USAA may offer the best coverage if you’re a veteran or active-duty military member. These are the insurance companies offering the lowest liability-only quotes in each state, but be sure to shop around and get multiple quotes to find the best coverage for you.
State | Cheapest Company | Cheapest Rate |
|---|---|---|
| Alabama | Auto-Owners | $36 |
| Arizona | Auto-Owners | $48 |
| Arkansas | State Farm | $30 |
| California | Mile Auto | $63 |
| Colorado | State Farm | $45 |
| Connecticut | State Farm | $55 |
| Delaware | USAA | $54 |
| Florida | State Farm | $69 |
| Georgia | Auto-Owners | $72 |
| Idaho | National General | $55 |
| Illinois | Auto-Owners | $33 |
| Indiana | Auto-Owners | $27 |
| Iowa | Auto-Owners | $22 |
| Kansas | State Farm | $43 |
| Kentucky | Auto-Owners | $59 |
| Louisiana | State Farm | $62 |
| Maine | USAA | $40 |
| Maryland | USAA | $109 |
| Massachusetts | Safeco | $97 |
| Michigan | Auto-Owners | $58 |
| Minnesota | Safeco | $71 |
| Mississippi | State Farm | $35 |
| Missouri | USAA | $29 |
| Nebraska | Auto-Owners | $24 |
| Nevada | COUNTRY Financial | $32 |
| New Jersey | CSAA | $82 |
| New Mexico | State Farm | $32 |
| New York | CSAA | $97 |
| North Carolina | Erie | $42 |
| Ohio | Mile Auto | $35 |
| Oklahoma | State Farm | $28 |
| Oregon | Mile Auto | $61 |
| Pennsylvania | State Farm | $56 |
| South Carolina | USAA | $53 |
| Tennessee | State Farm | $21 |
| Texas | State Farm | $41 |
| Utah | USAA | $65 |
| Virginia | Auto-Owners | $36 |
| Washington | Direct Auto | $49 |
| Washington, D.C. | CSAA | $81 |
| West Virginia | State Farm | $32 |
| Wisconsin | USAA | $21 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Insufficient data for Alaska, Hawaii, Montana, New Hampshire, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming.
Car insurance for seniors FAQs
As you shop for car insurance coverage, consider any unique needs you have as a senior driver. To help your search, here are some answers to frequently asked questions about how to find the best car insurance for seniors.
Why do auto insurance rates increase for seniors?
Fatal crash and claims-filing rates increase slightly for drivers 70 and older, according to the IIHS. Those drivers face higher car insurance premiums because insurers base premiums on accident risk, among other factors, and raise premiums to reflect the increased risk.
Does the cost of car insurance go down when you retire?
The cost of auto insurance may go down, but it depends on when you retire. Drivers in their 60s pay the lowest rates of any age group, according to Insurify data. Drivers aged 65–69 have the lowest rates of liability and collision claims and car accidents, according to the IIHS. Rates increase for older adults more than 70 years old.
Which company has the cheapest car insurance for seniors?
COUNTRY Financial has the cheapest car insurance rates for seniors, with an average monthly liability-only insurance rate of $13. Numerous factors affect car insurance rates, so compare quotes to find the best insurance policy for you.
Does AARP have cheaper car insurance?
AARP partners with The Hartford to offer the AARP Auto Insurance Program, which includes exclusive savings for AARP members. The Hartford usually offers lower insurance rates for seniors: Its average liability-only rate is $105 for drivers in their 60s. The national average is $82.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute (Triple-I). "Background on: Older drivers."
- AARP. "Auto Insurance Discounts."
- AAA. "AAA RoadWise Driver."
- Insurance Institute for Highway Safety. "Older drivers."
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Julia TaliesinInsurance Content Writer
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.
She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.
She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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