Best Car Insurance for Senior Drivers in Texas (2026)
State Farm, USAA, and GEICO are three of the best car insurance companies for senior drivers in Texas.
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Written byMichelle Lambright Black
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Michelle Lambright Black is a credit expert, freelance writer, and founder of CreditWriter.com. She has over 20 years of experience writing and speaking about credit and money, and focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products (including insurance). Michelle's work has appeared in publications such as Yahoo! Finance, Reader's Digest, Parents, FICO, Forbes, Bankrate, The Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, and more. She's also a three-time finalist for the best personal finance freelancer award from the Plutus Foundation. When she isn't writing or speaking about credit and money, Michelle loves to travel with her family or read a good book. You can connect with Michelle on Instagram or Twitter.
Michelle has been a contributor at Insurify since September 2023.
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10+ years in insurance and personal finance content
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
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MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Table of contents
Senior drivers in Texas in their 60s pay an average of $100 per month for liability car insurance and $176 for full coverage. But older drivers in their 70s and 80s will likely face higher auto insurance premiums, as accident risks begin to increase.
One of the best ways to find cheap coverage as a senior driver is to compare car insurance quotes online. Here’s what you need to know about car insurance for senior drivers in Texas.
Quick Facts
Senior drivers pay lower insurance rates compared to young drivers thanks to more driving experience.
Drivers 70 and older often see insurance premiums increase because the risk of having an accident rises again with age.
Many car insurance companies offer policy discounts for senior drivers that can help you manage the cost of your auto insurance premiums.[1]
Best car insurance companies for seniors in Texas
If you’re looking for car insurance in Texas, it’s a good idea to shop around and compare quotes from multiple car insurance companies to find the best deal available.
Below, you can learn more about a few of the best car insurance companies for senior drivers in the Lone Star State to help make the research process easier.
State Farm: Best for low rates
| 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. | $58/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. | $100/mo |
4.0
Best choiceBased on 14,295 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 (6,912)
James
Verified Review
State Farm is a Good Insurance!
Reviewed in Georgia on January 27, 2026
Nice, friendly people to work with. Just tell them what you need.
Terry
Verified Review
Poor
Reviewed in Washington on January 27, 2026
They keep raising my insurance and I don't even drive over 50 miles a week. I'm going to look for better insurance.
Natalie
Verified Review
State Farm has me covered
Reviewed in Texas on January 27, 2026
I think my insurance is better than most out there.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 is a good option for senior citizens in Texas interested in finding the cheapest car insurance rates. The company offers several insurance endorsements and about a dozen discounts. Customers have the opportunity to bundle auto coverage with other insurance products, like homeowners or renters coverage.
Pros
Multiple available car insurance discounts
AM Best financial strength rating of A++ (Excellent)
Cons
Gap insurance not available
Accident forgiveness not available
USAA: Best for veterans, military members, and their families
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $103/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 |
4.9
Best choiceBased on 2,803 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,422)
Dena
Verified Review
I'd shop for a different policy and probably change policies often enough for discounts. We've paid a huge amount staying with the same company for 20 years.
Reviewed in Idaho on January 27, 2026
I'd shop for a different policy and probably change policies often enough for discounts. We've paid a huge amount staying with the same company for 20 years.
Jerry
Verified Review
USAA EXPERIENCE: Been a member for over 50 years and never disappointed.
Reviewed in Texas on January 27, 2026
Excellent member since 1972.
Paul
Verified Review
USAA is great
Reviewed in Minnesota on January 27, 2026
Great, they seem to have the lowest rates and free roadside assistance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
USAA offers low-cost car insurance for eligible senior citizens in Texas. To qualify for a car insurance policy from USAA, senior drivers must have a military connection — either as a current or former military member or an eligible family member. USAA’s rates are lower than the national average.
Pros
Variety of available discounts
Affordable car insurance rates for veterans, military members, and their families
Cons
Not all drivers are eligible for insurance coverage
No physical locations
GEICO: Best for accident forgiveness
| 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. | 9.2 /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. | $96/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. | $178/mo |
4.0
Best choiceBased on 14,650 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,212)
Norma
Verified Review
Unprofessional
Reviewed in Texas on January 27, 2026
I did not have coverage very long with Geico when, on my way to a doctor's appointment, a truck quickly pulled in front of me, which did not have the right of way. The end result was that I hit the truck in the rear. In exchanging insurance information, I checked his truck over and over for any damages. Finally, he decided there were no damages or scratches. He, in fact, stated to me, "I do not find any damages whatsoever," and said, "I will let my employer know about the accident and notify them that there is no damage to the truck." The next thing I find out, 2-3 weeks later, is that a claim was filed for damages. I called Geico and spoke to an agent. He was surprised I did not know about the claim, as no one from Geico called me to find out the truth of the accident. He said he would have someone from Geico call me. I never got a call, but I received a letter stating a claim was filed and Geico was working on an agreeable amount. It stated they would contact me when settled. I never got said call and have never been asked my version, and it is presumed I am guilty. I actually had the right of way and NO damage was done. I still, to this day, do not know what Geico paid out. This was handled very poorly. Just because I am a senior does not justify not getting the truth of the accident.
Loren
Verified Review
Their customer service was okay, but the rates were too high, so I switched to another company.
Reviewed in Nevada on January 27, 2026
Geico has high rates, and because of that, I shopped for lower rates.
Charlie
Verified Review
The Truth About GEICO
Reviewed in South Carolina on January 27, 2026
There is nothing I would recommend GEICO change as my experience every time has been professional and pleasant.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
GEICO is another solid car insurance company worth considering for senior drivers in the state of Texas and elsewhere. Unlike some other insurance companies, GEICO offers eligible Texas drivers the opportunity to earn or purchase accident forgiveness coverage — a benefit that could save you money if you or someone on your policy is in an at-fault accident.
Pros
Wide range of available discounts for senior drivers
User-friendly mobile app and website
Cons
Guaranteed renewal program for older drivers not available in Texas
Rideshare and gap insurance not available
Mile Auto: Best for seniors who don’t drive much
| User Reviews | 4.5 |
|---|---|
| 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. | 8.8 /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. | $73/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. | $155/mo |
4.5
Best choiceBased on 186 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (64)
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
Cheryl
Verified Purchase
We are so glad we chose MileAuto
Reviewed in Ohio on December 10, 2025
Really meets our needs now that we have retired and drive very little. Good service with nice people. It's easy to do our monthly check-in, and they always send the statement several days before they draft the payment. Recommend them highly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy we picked this company
If you’re driving less in retirement, Mile Auto’s pay-per-mile coverage may save you some money. Like other usage-based policies, Mile Auto’s insurance charges a low monthly base rate and a per-mile rate, so you only pay for the actual miles you drive each month. Texas is among the handful of states where coverage from Mile Auto is available.
Pros
Very competitive rates for Texas seniors
Optional coverages like roadside assistance
Cons
Doesn’t offer discounts
Available in only 7 states
Progressive: Best for senior-friendly discounts
| 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. | $83/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. | $149/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 (7,868)
Deborah
Verified Review
Rates keep going up even though I’m a loyal customer with no accidents and I only drive 200 miles a month.
Reviewed in Arizona on January 27, 2026
Rates keep going up even though I’m a loyal customer with no accidents and I only drive 200 miles a month.
Rebecca
Verified Review
Promise One Bill Went from $230 to $400
Reviewed in Texas on January 27, 2026
Not good. 😕 My bill kept going up. I have only had one accident in 30 years of driving, and hitting a log in a rainstorm should not make my bill go up by $400 each month. It's almost been 3 years.
Frances
Verified Review
Great Insurance & Great Service
Reviewed in Kentucky on January 27, 2026
They seem to be very professional and very helpful. We have had no claims, thank God! But I would recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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
One of the cheapest insurers for senior drivers, Progressive offers multiple discounts that can help seniors save. Senior homeowners could benefit from the company’s multi-policy and homeowner discounts. They may also be eligible for a continuous insurance discount based on their years of insured driving.
Pros
In-person support from 38,000+ agents
Accident forgiveness available
Cons
Third-lowest customer satisfaction score for claims process from J.D. Power
Just 1.2 stars (out of 5) on Trustpilot
Insurify reviewed a variety of car insurance companies when choosing the best options for senior drivers in Texas. We considered factors like the best insurance rates for Texas seniors, availability of mature driver discounts, policyholder benefits, customer service reputation, and more.
Quotes for State Farm, USAA, and GEICO are estimates based on Quadrant Information Services’ database of auto insurance rates.
Average cost of car insurance for senior drivers in Texas
As you age, your insurance risks change, and insurers will adjust your car insurance costs according to your age group.[2] In general, drivers in their 60s pay the lowest insurance premiums by age, but drivers age 70 and older begin to see a slight increase in the price of their car insurance rates.
Compare average liability quotes by driver age for senior drivers in Texas.
Senior Driver Rates
Senior driver car insurance rates by city
Where you live in Texas plays a big role in what you’ll pay for senior car insurance. Location affects repair costs, accident frequency, traffic congestion, vehicle crime rates, and more. Exposure to extreme weather events like hurricanes and wildfires also varies by location, and insurers consider those risks when setting rates for senior drivers.
Here’s a look at what senior drivers pay on average for auto insurance in different Texas cities.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
City  | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Big Spring | $73 | $163 |
| Abilene | $75 | $149 |
| Jacksonville | $82 | $177 |
| Temple | $83 | $149 |
| Victoria | $84 | $151 |
| Corsicana | $84 | $151 |
| Bryan | $85 | $165 |
| Commerce | $85 | $155 |
| Nacogdoches | $86 | $150 |
| Lufkin | $87 | $153 |
| Amarillo | $87 | $175 |
| El Paso | $87 | $161 |
| Texarkana | $88 | $138 |
| Cleburne | $88 | $135 |
| College Station | $89 | $162 |
| Midland | $90 | $173 |
| Lubbock | $90 | $176 |
| Greenville | $91 | $152 |
| Killeen | $91 | $162 |
| Odessa | $92 | $189 |
| New Braunfels | $93 | $157 |
| Grapevine | $94 | $147 |
| Waxahachie | $94 | $179 |
| Denton | $95 | $169 |
| Georgetown | $95 | $157 |
| Harlingen | $95 | $148 |
| Cedar Park | $95 | $171 |
| Burleson | $95 | $171 |
| Southlake | $96 | $150 |
| Huntsville | $98 | $156 |
| Lewisville | $99 | $163 |
| Coppell | $99 | $182 |
| Leander | $100 | $168 |
| Laredo | $100 | $176 |
| Frisco | $100 | $172 |
| Fort Worth | $100 | $177 |
| Round Rock | $100 | $172 |
| Keller | $101 | $162 |
| Mckinney | $102 | $175 |
| San Marcos | $102 | $176 |
| Friendswood | $103 | $175 |
| Irving | $104 | $192 |
| Brownsville | $105 | $168 |
| Mansfield | $105 | $188 |
| Haltom City | $105 | $171 |
| Plano | $106 | $174 |
| Duncanville | $106 | $200 |
| Montgomery | $107 | $195 |
| Forney | $108 | $194 |
| Arlington | $108 | $182 |
| San Antonio | $108 | $184 |
| Austin | $108 | $176 |
| Grand Prairie | $109 | $189 |
| Conroe | $110 | $172 |
| Galveston | $110 | $165 |
| Corpus Christi | $111 | $170 |
| Cleveland | $111 | $191 |
| League City | $111 | $173 |
| Balch Springs | $112 | $163 |
| Lancaster | $112 | $197 |
| Pflugerville | $113 | $172 |
| Rowlett | $114 | $198 |
| Dallas | $114 | $201 |
| Rockwall | $114 | $184 |
| Mesquite | $114 | $205 |
| Beaumont | $115 | $179 |
| Pearland | $116 | $192 |
| Mcallen | $116 | $183 |
| Mission | $117 | $182 |
| Garland | $117 | $192 |
| La Porte | $117 | $174 |
| Baytown | $117 | $197 |
| San Juan | $123 | $217 |
| Sugar Land | $127 | $193 |
| Fresno | $130 | $224 |
| Katy | $131 | $207 |
| Humble | $136 | $209 |
| Houston | $144 | $228 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car insurance discounts for senior drivers in Texas
Depending on your age, driving record, and financial situation, Texas car insurance rates could become more difficult to manage for some senior drivers. Yet if you shop around, you may find that some insurers offer senior discounts that have the potential to save you money and help you find more competitive rates.
Below are some examples of car insurance discounts that might be available from different auto insurance companies.
Mature driver discount
A senior discount may be available to drivers older than 65. You might need to meet certain criteria to qualify, such as having a clean driving record or maintaining continuous insurance coverage.
Safe driver discount
People without a recent speeding ticket on their driving record or who haven’t had any at-fault accidents for a certain period of time may be eligible for this type of discount from certain insurers.
Defensive driving course discount
Some insurance companies may offer senior drivers a discount for taking a defensive driving course. But mature drivers might have to repeat the course every few years to keep their lower rates.
Military member discount
Veterans, active-duty military members, and drivers facing emergency deployment may qualify for discounts on their car insurance rates from many different insurance companies.
AARP member discount
The AARP Auto Insurance Program from The Hartford offers senior drivers discounts on auto insurance.
Low-mileage driver discount
If you’re a senior who drives limited miles, you may be able to find an insurance company that offers lower premiums for low-mileage drivers.
Bundling discount
Most insurers offer discounts when you buy more than one type of policy from them. For example, some may offer a bundling discount when you purchase your auto and home coverage from them. Some even offer savings when you bundle auto and pet insurance.
Car insurance for seniors in Texas FAQs
As a senior driver in Texas, it’s important to search for the cheapest rates and the best insurance products for your specific coverage needs. The following information can help answer your remaining questions about car insurance for seniors.
How much do senior drivers pay for car insurance in Texas?
On average, Texas seniors pay $176 per month for full coverage and $100 for liability-only policies, based on Insurify data. But your actual premium will vary based on your individual driver profile, where you live in the state, your driving record, the coverage options you choose, and more.
Why do auto insurance rates increase for seniors?
In general, drivers 70 and older have a higher risk of vehicle accidents. As a result, the average cost of car insurance rates for drivers tends to increase around this age as well. For more insight, you can speak to a licensed insurance agent.
Does the cost of car insurance go down when you retire?
Retiring won’t specifically affect your auto insurance premium, but you can save money on car insurance when you retire in a few ways.
For example, if you’re driving your vehicle less in retirement, you can search for an insurer that offers low-mileage car insurance. This type of insurance coverage might make sense for you if you don’t plan to put many miles on your vehicle after you stop working.
Which company has the cheapest car insurance for seniors in Texas?
Senior drivers in Texas may find the cheapest car insurance with State Farm. The average State Farm monthly quote for senior drivers is $45 for liability-only coverage and $78 for full coverage.
But it’s a good idea to compare rates from multiple insurance companies to make sure you find the best auto insurance and premiums for your budget. Your personal driving record, driving habits, coverage selections, deductible, car insurance discount options, and other factors can affect your premiums.
Does AARP have cheaper car insurance?
Some senior citizen drivers might save money on auto insurance by using the AARP Auto Insurance Program through The Hartford. AARP members 50 and older may qualify for a discount of up to 10% on their insurance premiums using this program.
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 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:
- 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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Texas Car Accident Laws and Regulations
October 15, 2025
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Best Full-Coverage Car Insurance in Texas: Cheapest Rates 2026
January 19, 2026
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Non-Owner Car Insurance in Texas
January 27, 2026
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Car Insurance Discounts for Texas Drivers
January 27, 2026
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How Long Does an Insurance Company Have to Investigate an Auto Claim in Texas?
October 15, 2025
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What to Do if You Get Into an Accident With an Uninsured Driver in Texas
November 13, 2025
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Does a Vehicle Have to Be in Your Name to Insure It in Texas?
August 27, 2024
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What Age Does Insurance Go Down in Texas?
July 8, 2025
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Cheapest Car Insurance for New Drivers in Texas
January 27, 2026
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Best Car Insurance Companies in Texas
January 27, 2026
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Cheap SR-22 Insurance in Texas
January 27, 2026
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Temporary Car Insurance in Texas
January 27, 2026
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Cheap Car Insurance in San Antonio, Texas, From $61
January 27, 2026
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Best Cheap Car Insurance in San Marcos, TX, From $58
January 27, 2026
)
Cheap Car Insurance in Plano, TX, Starting at $58
January 27, 2026
)
Best Cheap Car Insurance in Lubbock, TX, From $55
January 27, 2026
)
Cheapest Car Insurance Quotes in Odessa, TX,
January 27, 2026
)
Cheap Car Insurance in Midland, TX, Starting at $54
January 27, 2026
)
Cheapest Car Insurance Quotes in McAllen, TX,
January 27, 2026
)
Cheap Car Insurance in Mesquite, TX, Starting at $66
January 27, 2026
)
Cheap Car Insurance in Brownsville, TX, Starting at $57
January 27, 2026
)
Best Cheap Car Insurance in Laredo, TX, From $58
January 27, 2026
)
Cheapest Car Insurance Quotes in Killeen, TX
January 27, 2026
)
Best Cheap Car Insurance in Huntsville, TX, From $53
January 27, 2026
)
Cheapest Car Insurance Quotes in Irving, TX
January 27, 2026
)
Cheap Car Insurance in Houston, TX, Starting at $77
January 27, 2026
)
Best Cheap Car Insurance in Galveston, TX, From $57
January 27, 2026
)
Cheapest Car Insurance Quotes in Grand Prairie, TX,
January 27, 2026
)
Cheap Car Insurance in Garland, TX, Starting at $64
January 27, 2026
Cheap Car Insurance in Fort Worth, Texas, From $58
January 27, 2026
)
Best Cheap Car Insurance in El Paso, TX, From $52
January 27, 2026
)
Cheap Car Insurance in Denton, TX, Starting at $55
January 27, 2026
Cheap Car Insurance in Dallas, Texas, From $66
January 27, 2026
)
Best Cheap Car Insurance in Corpus Christi, TX, From $59
January 27, 2026
)
Cheap Car Insurance in Beaumont, TX, Starting at $61
January 27, 2026
)
Best Cheap Car Insurance in Austin, TX, From $59
January 27, 2026
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)
Sources
- Insurance Information Institiute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Michelle Lambright Black
Michelle Lambright Black is a credit expert, freelance writer, and founder of CreditWriter.com. She has over 20 years of experience writing and speaking about credit and money, and focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products (including insurance). Michelle's work has appeared in publications such as Yahoo! Finance, Reader's Digest, Parents, FICO, Forbes, Bankrate, The Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, and more. She's also a three-time finalist for the best personal finance freelancer award from the Plutus Foundation. When she isn't writing or speaking about credit and money, Michelle loves to travel with her family or read a good book. You can connect with Michelle on Instagram or Twitter.
Michelle has been a contributor at Insurify since September 2023.
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