120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Drivers in their 60s pay an average of $159 per month for full-coverage car insurance — the lowest rate of any age bracket.
Average rates may start increasing when drivers turn 70. At that age, full-coverage insurance costs an average of $164 per month.
Senior driver discounts for taking a defensive driving course, retiring from work, and driving fewer miles can offset age-related rate increases.
Progressive, Nationwide, and State Farm have the best car insurance for seniors because they provide excellent value for the auto coverage most seniors need. All three of these car insurance companies also insure boats, classic cars, golf carts, and recreational vehicles (RVs), which is perfect for retirees with new hobbies.
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | $88/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. | $156/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive offers a comprehensive list of discounts that can help seniors save on their insurance. A defensive driving course can help you qualify for a lower rate in some U.S. states. Progressive also offers discounts for loyalty, homeownership, and participating in the Snapshot usage-based driver program.
Fewer customer complaints filed than expected with the National Association of Insurance Commissioners (NAIC)
Claims average rates don’t increase until age 75
Small-accident forgiveness is automatic in most states
Defensive driving course discount not available in all states
Usage-based program can increase rates for people with risky driving habits
Below-average J.D. Power claims satisfaction rating[1]
| User Reviews | 4.2 |
|---|---|
| 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 /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. | $93/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. | $189/mo |
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.
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.
Nationwide’s SmartMiles pay-per-mile insurance program is an excellent choice for seniors who do less driving than they used to or who have a second car they rarely use.
SmartMiles offers the same coverage as a standard insurance policy. An installed device or smart-car connection tracks your driving data, which you can access online. You’ll pay for coverage each month based on how many miles you drive.
High J.D. Power claims satisfaction rating
10% safe driving discount after first policy renewal
Defensive driving course discount
Variable cost can be difficult to budget
Not available in every state
Device may be incompatible with electric, hybrid, and diesel vehicles
| User Reviews | 4.0 |
|---|---|
| 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. | $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. | $109/mo |
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.
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.
One of the most important factors affecting satisfaction with senior auto insurance is the ability to get help when you need it. State Farm offers 24/7 claims support, payment assistance, and optional roadside assistance.
You can also get technical assistance with accessing your account online. Relay services such as 711 are available for hearing-impaired and non-verbal customers.
Comprehensive security resources to protect you against scams and fraud
Integrated with US Bank for one-stop financial services
Lists available discounts for each state
Fewer coverage options than other companies
No accident forgiveness
High number of customer complaints filed with the NAIC
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.
The cheapest car insurance company for seniors is COUNTRY Financial, which charges an average liability insurance rate of $31 per month.
Auto insurance rates vary from one company to the next. The companies listed in the following table have the lowest average rates for seniors.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| COUNTRY Financial | $31 | $65 |
| Auto-Owners | $32 | $62 |
| USAA | $38 | $79 |
| State Farm | $38 | $77 |
| Erie | $46 | $85 |
| Mile Auto | $52 | $93 |
| Allstate | $55 | $113 |
| American Family | $58 | $118 |
| GEICO | $58 | $108 |
| Nationwide | $62 | $126 |
| Mercury | $66 | $120 |
| Direct Auto | $70 | $128 |
| Travelers | $71 | $143 |
| The General | $72 | $178 |
| Root | $74 | $127 |
| Shelter | $74 | $136 |
| Chubb | $75 | $145 |
| Safeco | $75 | $122 |
| Farmers | $76 | $156 |
| Dairyland | $77 | $193 |
| The Hartford | $79 | $146 |
| GAINSCO | $83 | $181 |
| AssuranceAmerica | $83 | $147 |
| Bristol West | $83 | $167 |
| Elephant | $85 | $135 |
| Anchor | $87 | $167 |
| 21st Century | $92 | $181 |
| State Auto | $96 | $188 |
| CSAA | $102 | $150 |
| Liberty Mutual | $105 | $168 |
| Plymouth Rock | $109 | $165 |
| Clearcover | $114 | $194 |
| Amica | $172 | $317 |
Liability quotes start at $31/mo.
Teen drivers have the highest fatal-accident involvement rate of any age group, closely followed by drivers in their 20s, according to data from the Insurance Information Institute.[2] These groups also pay the highest liability insurance rates, at $181 and $128 per month, respectively.
Average liability rates decline with each decade of age, reaching lows for people in their 60s, who pay an average of $85 per month. This low rate is likely in part due to the age group’s low fatal-accident involvement rate.
Rates creep up slightly once drivers reach their 70s. Increasing frailty makes car accidents with elderly drivers more dangerous and more likely to result in death.[3]
Below, you can see how car insurance rates vary by age.
Age | Average Monthly Quote: Liability Only |
|---|---|
| 16 | $181 |
| 20s | $128 |
| 30s | $105 |
| 40s | $101 |
| 50s | $94 |
| 60s | $85 |
| 70s | $87 |
The cheapest auto 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. Here 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 | National General | $45 |
| Arizona | Just Pay-Per-Mile | $63 |
| Arkansas | State Farm | $41 |
| California | USAA | $80 |
| Colorado | State Farm | $55 |
| Connecticut | State Farm | $105 |
| Delaware | USAA | $73 |
| Florida | Progressive | $95 |
| Georgia | Auto-Owners | $83 |
| Idaho | Auto-Owners | $31 |
| Illinois | Auto-Owners | $45 |
| Indiana | Auto-Owners | $42 |
| Iowa | State Farm | $22 |
| Kansas | State Farm | $50 |
| Kentucky | Progressive | $79 |
| Louisiana | State Farm | $61 |
| Maine | USAA | $38 |
| Maryland | USAA | $149 |
| Massachusetts | State Farm | $53 |
| Michigan | USAA | $67 |
| Minnesota | State Farm | $56 |
| Mississippi | State Farm | $40 |
| Missouri | USAA | $53 |
| Nebraska | Auto-Owners | $40 |
| Nevada | COUNTRY Financial | $55 |
| New Jersey | NJM | $128 |
| New Mexico | The General | $56 |
| New York | Erie | $102 |
| North Carolina | Erie | $58 |
| Ohio | Mile Auto | $42 |
| Oklahoma | State Farm | $34 |
| Oregon | State Farm | $67 |
| Pennsylvania | Hugo | $40 |
| South Carolina | USAA | $68 |
| Tennessee | State Farm | $46 |
| Texas | State Farm | $53 |
| Utah | USAA | $57 |
| Virginia | Auto-Owners | $55 |
| Washington | State Farm | $57 |
| Washington, D.C. | Erie | $165 |
| West Virginia | State Farm | $40 |
| Wisconsin | USAA | $32 |
Seniors pay the lowest car insurance rates of any age group. Maintaining your good driving record and using the same insurer for all your cars are two ways to preserve your savings.
The following tips will help you save even more with auto insurance discounts for senior citizens:
Take a defensive driving class. Some insurance companies offer senior discounts for drivers who have taken a defensive driving class, such as AARP Smart Driver. Discounts might vary by state.
Bundle policies. Buy car insurance and homeowners, renters, or life insurance from the same company to earn a bundling discount.
Switch to pay-per-mile coverage. If you drive less than you used to, selecting a pay-per-mile policy can help you save money by charging you by the mile rather than according to traditional rating factors.
Ask about retiree discounts. Retiring from the military or from a government or union job could earn you a discount from some insurers.
Enroll in a safe driver program. These programs use telematics devices and mobile apps to record driving behavior. Safe behaviors, like those most seniors practice, can earn you a discount.
Insurify partners with top insurers for real quotes
Discounts make a big difference when you’re shopping for car insurance for older drivers. Look for the following discounts to lower your senior car insurance rates.
Discount | Savings | How to Qualify |
|---|---|---|
| Clean driving record | Varies | Maintain a driving history with no moving violations or at-fault accidents |
| Multi-vehicle | Up to 25% | Insure two or more vehicles with the same insurer |
| Defensive driving course | Up to 15% | Take an approved defensive driving class and meet age requirements |
| Bundle discount | Up to 40% | Purchase car and home, renters, or life insurance from the same insurance company |
| Pay per mile | Varies | Purchase a policy that charges for each mile you drive instead of a flat rate based on traditional rating factors |
| Retiree discounts | Up to 15% | Retire from military service or a government or union job |
| Safe driver | Up to 30% | Install a device or app that records your driving behavior |
Learn more about finding cheap car insurance policies for mature drivers below.
Senior car insurance rates vary by company and driver. Average liability-only rates range from $94 per month for drivers in their 50s to $87 per month for drivers in their 70s, according to Insurify data.
Drivers often become more frail after age 70. That frailty increases the risk that an accident will cause severe injury or death. The higher rate reflects that higher risk.
It might. For example, the price of car insurance after age 65, a traditional retirement age, may decrease if you drive fewer miles after you stop commuting.
The Hartford insurance company provides AARP car insurance, and AARP members get up to 10% off their policies. Additional discounts are available, including a discount for taking the AARP Driver Safety course.
COUNTRY Financial has the cheapest car insurance for senior drivers. Its average monthly rate is $31 for liability-only coverage.
You may consider dropping full coverage if you own your car outright and it’s worth less than 10 times your insurance premium, according to the Insurance Information Institute.
Insurify data scientists analyzed more than 190 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 500+ 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:
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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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
