Cheap Car Insurance for Senior Drivers in Texas
State Farm has the cheapest car insurance for senior drivers in Texas, with an average monthly liability rate of $33.
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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
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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
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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
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
Senior drivers in Texas pay monthly averages of $94 for liability policies and $94 for full-coverage policies.
With an average liability rate of $33 per month, State Farm is the cheapest car insurance company for Texas seniors.
Texas drivers aged 80 and older are 1.2 times more likely to die in a car crash than drivers aged 75 to 79, according to research from the Texas A&M Transportation Institute’s Center for Transportation Safety.[1]
Best car insurance companies for seniors in Texas
Below, you can learn more about a few of the best car insurance companies for senior drivers in the Lone Star State.
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. | $43/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. | $85/mo |
4.0
Best choice in TexasBased on 18,509 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 7,612 State Farm reviews
Verified Review
Reviewed in Texas on June 4, 2026
My wife and I recently moved away from ST Farm after 45 years because their rates skyrocketed and their claims service was terrible. Our agent admitted to us that their rates were much more expensive to help cover the class action lawsuits.
Verified Review
Reviewed in Texas on June 3, 2026
Excellent agent, but car insurance with State Farm is too expensive!
Verified Review
Reviewed in Texas on May 26, 2026
It took too long for State Farm to approve funds for repairs.
…
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 offers some of the lowest rates for senior drivers in Texas. Seniors can take advantage of multiple discounts, such as for bundling home and auto policies, completing a defensive driving course, and having a car with driver-assist technology. State Farm is the largest company in the U.S. by market share, and the company has agents across numerous cities in Texas if you prefer in-person support.
Pros
Multiple available car insurance discounts for Texas seniors
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 | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /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. | $77/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. | $152/mo |
4.2
Best choice in TexasBased on 3,733 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 44 reviews from Texas driversSee all 1,587 USAA reviews
Verified Review
Reviewed in Texas on May 23, 2026
Get a copy of the policy before you commit. The website is hard to navigate.
Verified Review
Reviewed in Texas on May 19, 2026
USAA is too costly, changes policy without consent, and is a nightmare to deal with on claims. Our last claim, they offered us a final offer of exactly half what our vehicle was worth. We had to hire an independent appraiser, they wouldn’t honor his appraisal, then we had to pay for a mediator to get even near what the vehicle was worth. Our own insurance company fought us at every turn for what our vehicle was obviously worth. The policy has gone up more than 4 times our initial quote. I don’t know why we stuck with them for so long. Quotes from other companies put our 6-month price less than 1 month of USAA’s prices. We are dumping them as soon as possible. It isn’t the same USAA it was 20 years ago. We have good credit and clean driving records. The last thing we want after being in an accident is to have to fight with our own provider that we were paying top dollar for. Our payout finally came after 1 year of dealing with them, hiring our own appraisal, and paying for mediation. My only advice is if you use USAA and get into an accident, immediately hire an attorney to deal with it all for you; otherwise, stay away from this company at all costs. They are not worth the high premiums they charge.
Verified Review
Reviewed in Texas on May 14, 2026
The rates are too high. They are astronomically ridiculous regardless of whether or not I've had a collision.
…
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
Texas has more veterans than any other state — more than 1.5 million service members call the Lone Star State home, according to Texas Economic Development Corporation data.
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. | $70/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. | $147/mo |
4.0
Best choice in TexasBased on 18,560 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 7,788 GEICO reviews
Verified Review
Reviewed in Texas on May 22, 2026
Geico has been really good to me, paying claims very fast.
Verified Purchase
Reviewed in Texas on May 22, 2026
Unbeatable price for the coverage options.
Verified Review
Reviewed in Texas on May 17, 2026
They raise rates without explanation, and it’s expensive for what you get. I can’t afford it!
…
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
Our editorial team analyzed our proprietary data, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for senior drivers in Texas. We also weighed rate affordability for senior drivers, coverage options, available senior-friendly and senior-specific discounts, customer satisfaction rankings, customer service reviews, and financial strength.
How much does car insurance for seniors cost in Texas?
In Texas, senior drivers in their 60s pay an average of $94 per month for liability insurance and $175 per month for full-coverage insurance. This is much less than what Texas drivers in their 20s pay — $147 monthly for liability coverage and $275 for full coverage, according to Insurify data.
Rates begin to increase for Texas seniors around age 70, with liability policies averaging $100 per month and full-coverage policies averaging $186 per month.
Compare average liability quotes by driver age for senior drivers in Texas.
Senior Driver Rates
Category | Price |
|---|---|
| 60 | $181 |
| 70 | $195 |
| 80 | $206 |
Car insurance discounts for senior drivers in Texas
Many car insurance companies offer discounts for Texas drivers. Below are some common discounts that can help senior drivers save on an auto insurance policy in Texas.
Mature driver discount
In Texas, 14% of the population is aged 65 or older. 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. Some available courses seniors can take in Texas include a Smart DriverTEK workshop from AARP and The Hartford, and the Mature Driver Defensive Driving Course from the National Safety Council.[2]
Military member discount
More than 1.5 million veterans call Texas home.[3] 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 in Texas 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.
How to get cheap car insurance for Texas seniors
If you’re a senior driver in Texas, here are some things you can do to get cheap coverage:
Compare quotes from multiple companies. Comparing quotes from multiple companies that write policies in Texas is the easiest way to find a policy that meets your needs.
Take a defensive driving course. Many different defensive driving courses are available in Texas. If you complete one of these courses, you could score a discount on your car insurance.
Adjust your coverage amount. Texas requires drivers to have $30,000 per person and $60,000 per person in bodily injury liability, as well as $25,000 for property damage liability.[4] Full coverage offers more protection, but you may consider carrying liability-only coverage to save money if you don’t drive much or you have an older car that’s paid for.
Car insurance rates for senior drivers in Texas 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.
Senior drivers pay the most for car insurance in Duncanville, at an average of $207 per month for full coverage. Cleburne is the least expensive city for Texas seniors, with full-coverage policies averaging $139 per month.
Here’s a look at what senior drivers pay on average for auto insurance in different Texas cities.
City  | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Abilene | $80 | $179 |
| Amarillo | $92 | $209 |
| Arlington | $117 | $210 |
| Austin | $117 | $211 |
| Beaumont | $123 | $222 |
| Brownsville | $108 | $213 |
| Corpus Christi | $121 | $206 |
| Dallas | $124 | $233 |
| Denton | $104 | $202 |
| El Paso | $91 | $187 |
| Fort Worth | $108 | $205 |
| Galveston | $118 | $207 |
| Garland | $127 | $232 |
| Grand Prairie | $120 | $216 |
| Houston | $156 | $268 |
| Huntsville | $106 | $199 |
| Irving | $112 | $223 |
| Killeen | $97 | $193 |
| Laredo | $105 | $200 |
| Lubbock | $93 | $199 |
| McAllen | $124 | $218 |
| Mesquite | $122 | $236 |
| Midland | $91 | $203 |
| Odessa | $95 | $229 |
| Plano | $114 | $202 |
| San Antonio | $117 | $214 |
| San Marcos | $107 | $195 |
Disclaimer: Table data is based on real-time Texas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $94 for liability-only policies, based on Insurify data. But your actual premium will vary based on your individual driver profile, where you live in Texas, your driving record, the coverage options you choose, and more.
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 $33 for liability-only coverage and $66 for full coverage. But your personal driving record, driving habits, coverage selections, deductible, car insurance discount options, and other factors can affect your premiums.
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.
Does AARP have cheaper car insurance?
Some senior 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.
Sources
- Texas A&M Transportation Institute Center for Transportation Safety. "CTS Researchers Working to Make Senior Drivers Safer."
- Texas A&M Transportation Institute. "Safety Programs for Senior Drivers."
- U.S. Census Bureau. "Veteran Statistics Texas."
- Texas Department of Insurance. "Auto insurance guide."
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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State Farm offers some of the cheapest car insurance in Arlington, Texas, with an average monthly premium of $45 for liability coverage. Event traffic around AT&T Stadium and congestion along I-20 and I-30 may influence crash risk and insurance rates.
Cheapest Car Insurance Quotes in Amarillo (June 2026)
State Farm offers Amarillo drivers the most affordable car insurance, followed by Allstate and Progressive. With a lower population than many Texas cities, Amarillo drivers pay lower car insurance rates than the rest of the Lone Star State.
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Cheapest Car Insurance Quotes in Midland, Texas (June 2026)
The cheapest car insurance in Midland is from State Farm, with liability rates of $40 per month. Heavy, oilfield‑related traffic in areas like Loop 250 and Interstate 20 increases collision risk and affects how much you’ll pay for coverage.
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Michelle Lambright BlackInsurance, Personal Finance Writer
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Evelyn PimplaskarEditor-in-Chief, Director of Content
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