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 BlackInsurance, Personal Finance Writer
24+ years in personal finance writing
Plutus award winner
Michelle Lambright Black is a credit expert and freelance writer. She has over 20 years of experience writing and speaking about credit and money. As an Insurify contributor, she focuses on helping families and small business owners make smart, informed decisions about their insurance coverages.
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.
Michelle has been a contributor at Insurify since September 2023.
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Edited byEvelyn Pimplaskar
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Evelyn PimplaskarEditor-in-Chief, Director of Content
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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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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
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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 $177 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. | $57/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. | $101/mo |
4.0
Best choice in TexasBased on 16,138 verified driver 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 in Texas 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 in Texas for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from Texas drivers - See all 7,236 State Farm reviews
Michael
Verified Review
State Farm is overpriced and customer service from agent is lacking
Reviewed in Texas on March 14, 2026
Poor response to billing questions. It takes a week to get answers. Charged a late fee when no bill was received.
Steven
Verified Review
Used to be great
Reviewed in Texas on March 11, 2026
They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.
Johnny
Verified Review
Not worth the money.
Reviewed in Texas on March 7, 2026
The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.
Gordon
Verified Review
Too High Monthly Payments
Reviewed in Texas on March 5, 2026
The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.
Arturo
Verified Review
Expensive Insurance
Reviewed in Texas on March 4, 2026
The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.
Tina
Verified Review
Price is too high
Reviewed in Texas on March 4, 2026
I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.
William
Verified Review
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Reviewed in Texas on March 2, 2026
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Paul
Verified Review
Helpful agents over the 60 years of having coverage with State Farm.
Reviewed in Texas on March 1, 2026
I have not had any claims in recent years. No problems over the years when there was a claim.
Percy
Verified Review
Excellent service and coverage
Reviewed in Texas on February 28, 2026
Excellent, friendly, and professional.
…
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. | $102/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. | $180/mo |
4.9
Best choice in TexasBased on 3,204 verified driver 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 in Texas 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 in Texas for
Members of the military community
Outstanding customer service
Competitive rates
Showing 55 reviews from Texas drivers - See all 1,496 USAA reviews
Charles
Verified Review
Sparks's Review
Reviewed in Texas on March 8, 2026
They are a good company and provide excellent customer service, but they have increased their prices so much! That is my reason for leaving them. We have had them for over 40 years!
Paul
Verified Review
Discount Restrictions
Reviewed in Texas on February 22, 2026
I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.
Alex
Verified Review
Poor
Reviewed in Texas on February 19, 2026
Be careful because they were raising rates on us.
Harvey
Verified Review
Overall Outstanding Service
Reviewed in Texas on February 18, 2026
Excellent and professional service. My minor complaint is that it is somewhat expensive.
William
Verified Review
Excellent
Reviewed in Texas on February 16, 2026
Great service, expensive.
Laura
Verified Review
25+ Years, Only 1 Small Claim
Reviewed in Texas on February 8, 2026
I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.
Edward
Verified Review
What happened to USAA Customer Service?
Reviewed in Texas on January 29, 2026
USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.
Richard
Verified Review
One claim, handled fairly reasonably, but sharp increases each year.
Reviewed in Texas on January 27, 2026
Pricey increases annually, especially in home coverage.
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.
…
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 | 3.9 |
|---|---|
| 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. | 9.2 /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. | $94/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. | $181/mo |
3.9
A solid option in TexasBased on 16,401 verified driver 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 in Texas 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 in Texas for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from Texas drivers - See all 7,477 GEICO reviews
Israel
Verified Review
Can't Complain
Reviewed in Texas on March 15, 2026
I've been a GEICO customer for twenty years and I have a great relationship with the company. I know you can't compete with them. Amen.
Sharon
Verified Review
A very excellent experience. Great everything.
Reviewed in Texas on March 13, 2026
Excellent company, policies, discounts, and great service. Our agent in San Antonio, TX was top-notch.
Rudy
Verified Review
Look elsewhere
Reviewed in Texas on March 12, 2026
Extremely expensive and no incentive to stay with them.
James
Verified Review
Geico Is Not Cost Efficient
Reviewed in Texas on March 9, 2026
I have used Geico since 2006 on and off, and this will be my last time. They are notorious for raising my premium every renewal time. This very month I paid $188.00, and my renewal for March is $244.47—a fifty-six dollar a month increase on a 2022 Chevrolet Trax. I am on a dire fixed income and cannot afford this. I will never use Geico again. I need cheap insurance with full coverage.
Ramona
Verified Review
Don't Purchase
Reviewed in Texas on March 9, 2026
Do not buy. They don’t want to help you with a claim. They add their own coverage that is not in the policy. Very hard to get a hold of an adjuster if you need them.
Cristi
Verified Review
Price Increases at Renewal
Reviewed in Texas on March 8, 2026
I'm not going to use them again. They raise the price every time I have to renew. It's ridiculous to pay as much as I do for simple liability only.
Josh
Verified Review
Geico Two-Step
Reviewed in Texas on March 4, 2026
I have multiple insurance companies currently. Geico needs better training for their representatives. Don’t tell customers one thing and then tell the consumer the exact opposite from the next representative. I will never use Geico again, even though they are almost 50% cheaper than State Farm, Allstate, or Progressive.
Jeanette
Verified Review
Too much $$$
Reviewed in Texas on March 2, 2026
Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!
Zee
Verified Review
Expensive but probably a good insurance
Reviewed in Texas on February 25, 2026
It is very expensive; the Geico Auto help is very good.
…
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. | $74/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. | $158/mo |
4.5
Best choice in TexasBased on 192 verified driver 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 in Texas 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 in Texas for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing 4 reviews from Texas drivers - See all 66 Mile Auto reviews
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Johnny
Verified Purchase
Mile Auto has been good
Reviewed in Texas on November 25, 2025
So far, it's been a smooth ride. They have answered questions and helped with adding vehicles. Seems to be a good insurance group.
Irma
Verified Purchase
Mike Auto is for Real
Reviewed in Texas on March 21, 2025
I have nothing but good things to say. It has saved me a lot of money, which means everything to me. I think about all the money I have paid for insurance, and finally, this insurance, Mike Auto, has come up with a way to reduce the cost.
Irma
Verified Purchase
Response Time
Reviewed in Texas on March 19, 2025
I would prefer to have my problems solved before the three days they state as their response time.
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. | $82/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 |
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 in Texas 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 in Texas for
Competitive rates
Easy buying process
Telematics program
Showing 75 reviews from Texas drivers - See all 8,188 Progressive reviews
Royce
Verified Review
Affordable Insurance
Reviewed in Texas on March 16, 2026
Too expensive for liability for my vehicle.
Randy
Verified Review
Insurance Bliss
Reviewed in Texas on March 13, 2026
Affordable coverage. Great claims handling. Quick service and satisfactory results.
Laquisha
Verified Review
Progressive charged me twice what I was paying during renewal without discussing it with me. Be cautious if your card is on file.
Reviewed in Texas on March 10, 2026
Progressive charged me twice what I was paying during renewal without discussing it with me. Be cautious if your card is on file.
Theodore
Verified Review
It was awesome
Reviewed in Texas on March 6, 2026
I have excellent service.
Pamela
Verified Review
Save
Reviewed in Texas on March 5, 2026
Switching to Progressive saved me a lot of money.
Gerald
Verified Review
Never a problem
Reviewed in Texas on March 4, 2026
Great service. Always rated as #1 when looking to replace them. Many companies rate them above average.
Glen
Verified Review
Average
Reviewed in Texas on March 2, 2026
More expensive than most.
Edward
Verified Review
Two Thumbs Down for Progressive
Reviewed in Texas on March 1, 2026
If you put in any claim, even just for glass, they will investigate you and find any way possible not to complete the claim.
Tom
Verified Review
Do not buy
Reviewed in Texas on February 28, 2026
Too expensive, no flexibility, poor online experience.
…
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 in Texas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
City  | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Big Spring | $74 | $164 |
| Abilene | $76 | $151 |
| Jacksonville | $83 | $179 |
| Temple | $83 | $150 |
| Victoria | $84 | $152 |
| Corsicana | $84 | $152 |
| Bryan | $86 | $166 |
| Commerce | $86 | $156 |
| Nacogdoches | $87 | $151 |
| Texarkana | $88 | $140 |
| Lufkin | $88 | $154 |
| Amarillo | $88 | $176 |
| El Paso | $88 | $162 |
| Cleburne | $88 | $136 |
| College Station | $89 | $163 |
| Midland | $90 | $174 |
| Lubbock | $90 | $178 |
| Greenville | $92 | $153 |
| Killeen | $92 | $163 |
| Odessa | $93 | $191 |
| New Braunfels | $94 | $158 |
| Grapevine | $94 | $148 |
| Waxahachie | $94 | $180 |
| Georgetown | $95 | $158 |
| Harlingen | $95 | $149 |
| Denton | $96 | $170 |
| Cedar Park | $96 | $172 |
| Burleson | $96 | $172 |
| Southlake | $97 | $151 |
| Huntsville | $99 | $157 |
| Frisco | $100 | $174 |
| Lewisville | $100 | $164 |
| Coppell | $100 | $184 |
| Leander | $101 | $169 |
| Laredo | $101 | $177 |
| Fort Worth | $101 | $179 |
| Round Rock | $101 | $174 |
| Keller | $102 | $163 |
| Mckinney | $103 | $176 |
| San Marcos | $103 | $177 |
| Friendswood | $104 | $176 |
| Brownsville | $105 | $169 |
| Mansfield | $105 | $190 |
| Haltom City | $105 | $173 |
| Irving | $105 | $193 |
| Plano | $107 | $175 |
| Duncanville | $107 | $202 |
| Montgomery | $108 | $196 |
| Forney | $109 | $196 |
| Arlington | $109 | $183 |
| San Antonio | $109 | $185 |
| Austin | $109 | $178 |
| Grand Prairie | $110 | $191 |
| Cleveland | $111 | $192 |
| Conroe | $111 | $174 |
| Galveston | $111 | $167 |
| Corpus Christi | $112 | $171 |
| League City | $112 | $174 |
| Balch Springs | $113 | $164 |
| Lancaster | $113 | $198 |
| Pflugerville | $114 | $174 |
| Rowlett | $115 | $200 |
| Dallas | $115 | $202 |
| Rockwall | $115 | $185 |
| Mesquite | $115 | $207 |
| Beaumont | $116 | $180 |
| Pearland | $117 | $193 |
| Mcallen | $117 | $185 |
| Baytown | $117 | $198 |
| Mission | $118 | $183 |
| Garland | $118 | $193 |
| La Porte | $118 | $175 |
| San Juan | $124 | $219 |
| Sugar Land | $128 | $194 |
| Fresno | $131 | $225 |
| Katy | $132 | $208 |
| Humble | $137 | $211 |
| Houston | $145 | $230 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas 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 $177 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 $44 for liability-only coverage and $79 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 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:
- 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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- 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 BlackInsurance, Personal Finance Writer
24+ years in personal finance writing
Plutus award winner
Michelle Lambright Black is a credit expert and freelance writer. She has over 20 years of experience writing and speaking about credit and money. As an Insurify contributor, she focuses on helping families and small business owners make smart, informed decisions about their insurance coverages.
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.
Michelle has been a contributor at Insurify since September 2023.
Evelyn PimplaskarEditor-in-Chief, Director of Content
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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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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.