Best Car Insurance for Senior Drivers in Texas (2026)

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.

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

Low Rates

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User Reviews	4.0 7,186 reviews
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

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Driver Reviews

4.0

Best choice in TexasBased on 15,861 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 7,186 State Farm reviews

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.

Barbara

Verified Review

Not a Good Proposal

Reviewed in Texas on February 26, 2026

They raised the yearly cost by thousands per year. I have had the policy for over 10 years with no claims.

Troy

Verified Review

Too High

Reviewed in Texas on February 24, 2026

State Farm is not good; they increased my rates for no reason.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

Veterans, Military Members, and Their Families

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User Reviews	4.9 1,480 reviews
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

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Driver Reviews

4.9

Best choice in TexasBased on 3,140 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 56 reviews from Texas drivers - See all 1,480 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.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

710

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.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

Accident Forgiveness

Compare Quotes

User Reviews	3.9 7,430 reviews
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.	$95/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

Show Details

Driver Reviews

3.9

A solid option in TexasBased on 16,091 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 7,430 GEICO reviews

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.

Tom

Verified Review

Understand what you bought before you sign

Reviewed in Texas on February 25, 2026

Make sure they explain the policy thoroughly before you sign!

Joann

Verified Review

The Policy That Goes Up

Reviewed in Texas on February 24, 2026

I was drawn in with a low rate, then they increased it on me in 3 months.

Miguel

Verified Review

Fairness

Reviewed in Texas on February 24, 2026

They are good overall, but too expensive for my budget!

Garry

Verified Review

So disappointed

Reviewed in Texas on February 24, 2026

After being with Geico for five years with no claims or accidents, they almost doubled our rates. They are about the money, not the customers.

Debra

Verified Review

I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.

Reviewed in Texas on February 21, 2026

I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

653

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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

seniors who don’t drive much

Compare Quotes

User Reviews	4.5 65 reviews
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.	$157/mo

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Driver Reviews

4.5

Best choice in TexasBased on 189 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 65 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.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.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).

NR

Why 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

senior-friendly discounts

Compare Quotes

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.	$80/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.	$141/mo

Show Details

Driver Reviews

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 8,142 Progressive reviews

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.

Carroll

Verified Review

Better and Cheaper Insurance

Reviewed in Texas on February 28, 2026

They need to offer more discounts and stop charging for things like driver accidents over 5 years ago, like driver forgiveness. Discounts should be better because of the primary carrier.

Cheryl

Verified Review

Too Much

Reviewed in Texas on February 27, 2026

I had a minor fender bender and my rate went up over $100. I think that's way too much.

James

Verified Review

Whatever

Reviewed in Texas on February 26, 2026

My car is getting older and sits most of the time, yet the premium goes up. I wish they would stop using veterans as a way to claim they give a good deal.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

622

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

A.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

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 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: Sunday, March 1 at 11:00 AM PST. 

City	Average Monthly Cost: Liability Only	Average Monthly Cost: Full Coverage
Big Spring	$74	$164
Abilene	$76	$150
Jacksonville	$82	$178
Temple	$83	$150
Victoria	$84	$152
Corsicana	$84	$152
Bryan	$86	$166
Commerce	$86	$156
Nacogdoches	$87	$151
Texarkana	$88	$139
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	$190
New Braunfels	$93	$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
Lewisville	$99	$164
Coppell	$99	$184
Huntsville	$99	$157
Frisco	$100	$173
Leander	$101	$169
Laredo	$101	$177
Fort Worth	$101	$178
Round Rock	$101	$173
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	$201
Montgomery	$108	$196
Forney	$109	$195
Arlington	$109	$183
San Antonio	$109	$185
Austin	$109	$178
Grand Prairie	$110	$190
Conroe	$110	$173
Galveston	$110	$167
Cleveland	$111	$192
Corpus Christi	$112	$171
League City	$112	$174
Balch Springs	$113	$164
Lancaster	$113	$198
Pflugerville	$114	$173
Rowlett	$115	$200
Dallas	$115	$202
Rockwall	$115	$185
Mesquite	$115	$207
Pearland	$116	$193
Mcallen	$116	$184
Beaumont	$116	$180
Baytown	$117	$198
Mission	$118	$183
Garland	$118	$193
La Porte	$118	$175
San Juan	$124	$218
Sugar Land	$127	$194
Fresno	$131	$225
Katy	$132	$208
Humble	$137	$211
Houston	$144	$229

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.

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  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