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.
Secure. Free. Easy-to-use.
Excellent
)
Written byMichelle Lambright Black
)
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.
)
Edited byEvelyn Pimplaskar
)
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.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Reviewed byMacKenzie Korris
)
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
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.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Senior drivers in Texas in their 60s pay an average of $94 per month for liability car insurance and $176 for full coverage. But older drivers in their 70s and 80s will likely face higher auto insurance premiums, as accident risks begin to increase.
One of the best ways to find cheap coverage as a senior driver is to compare car insurance quotes online. Here’s what you need to know about car insurance for senior drivers in Texas.
Quick Facts
Senior drivers pay lower insurance rates compared to young drivers thanks to more driving experience.
Drivers 70 and older often see insurance premiums increase because the risk of having an accident rises again with age.
Many car insurance companies offer policy discounts for senior drivers that can help you manage the cost of your auto insurance premiums.[1]
Best car insurance companies for seniors in Texas
If you’re looking for car insurance in Texas, it’s a good idea to shop around and compare quotes from multiple car insurance companies to find the best deal available.
Below, you can learn more about a few of the best car insurance companies for senior drivers in the Lone Star State to help make the research process easier.
State Farm: Best for low rates
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/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. | $84/mo |
4.0
Best choice in TexasBased on 17,962 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.
Based on analysis 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.
Based on analysis 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 7,527 State Farm reviews
Kerri
Verified Review
My Experience
Reviewed in Texas on May 12, 2026
They have good customer service, a nice app, and handled my claim easily. However, they are way overpriced.
Rebecca
Verified Review
State Farm
Reviewed in Texas on May 10, 2026
When you have a claim, they raise your insurance tremendously.
Paul
Verified Review
Pricey but great service
Reviewed in Texas on May 8, 2026
Great service but pricey.
Rhonda
Verified Review
I have a 2020 Equinox with only 38,000 miles on it. Some months I don’t even drive 20 miles, so I believe my insurance could be cheaper. I also allow them to track my driving.
Reviewed in Texas on May 7, 2026
I have a 2020 Equinox with only 38,000 miles on it. Some months I don’t even drive 20 miles, so I believe my insurance could be cheaper. I also allow them to track my driving.
Sandra
Verified Review
Average
Reviewed in Texas on May 4, 2026
Too expensive for low miles driven.
Robert
Verified Review
Best Price and Good Service
Reviewed in Texas on April 27, 2026
Good price, good customer service.
Timothy
Verified Review
One satisfied State Farmer in San Antonio
Reviewed in Texas on April 26, 2026
State Farm provided me with competitive rates, excellent customer service, and even checked on me from time to time. I have no issues.
Steve
Verified Review
Good insurance until...
Reviewed in Texas on April 21, 2026
State Farm was good until I added a new car, and then things got ridiculously priced. I switched, and now my home insurance is about to be switched from State Farm.
Jeri
Verified Review
Progressive vs State Farm
Reviewed in Texas on April 20, 2026
I wish I could have stayed with State Farm; however, finances rule these days, so I had to switch to Progressive. By doing that, I saved over $200/month. So far, I have not had to use Progressive for anything yet.
…
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. | $78/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. | $150/mo |
4.9
Best choice in TexasBased on 3,607 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.
Based on analysis 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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Members of the military community
Outstanding customer service
Competitive rates
Showing 44 reviews from Texas drivers - See all 1,571 USAA reviews
Dirk
Verified Review
Good but expensive
Reviewed in Texas on May 11, 2026
Pretty good, but still way too expensive.
Thurston
Verified Review
Insurance Pain
Reviewed in Texas on May 11, 2026
Completed a 5-year surcharge. Now I have accident forgiveness. To this day, I am unable to get a fair premium not only from my insurance company but any other carrier because they want to penalize me for the surcharge that I just completed.
Shana
Verified Review
USAA Is a Great Insurance
Reviewed in Texas on May 7, 2026
They are great. Bundling everything keeps costs low, and the satisfaction of having everything with good customer service is top tier. Sometimes they aren't the cheapest, but it's worth it most times.
Delaney
Verified Review
Customer service is exceptional and claims handling is Grade A
Reviewed in Texas on May 4, 2026
I really don't have any experience with my car insurance as I haven't needed to file a claim yet. However, I am a property adjuster and never stop hearing and seeing firsthand the way policyholders are handled out in the field. The most professional and fair claims handling, bar none, out of all the carriers in the industry. I've never really seen it any other way, and I have handled over 10,000 claims myself in the past 15 years.
Cristy
Verified Review
USAA Car Insurance
Reviewed in Texas on May 3, 2026
USAA is more expensive than most other car insurance companies. Their customer service 20 or 30 years ago was excellent, but recently it is horrible.
Ramon
Verified Review
John Deserves 5 Stars
Reviewed in Texas on May 2, 2026
I went with John, who helped me with everything. Outstanding job, well done!
Nancy
Verified Review
USAA has the best auto rates in Texas!
Reviewed in Texas on April 12, 2026
USAA was the perfect fit for me. They had lower rates than any other agency. I’m retired and like to have lower rates because I drive 1,000 miles per year. So, I’ll stay with USAA as long as they are the best for people who drive less than working people.
Clifford
Verified Review
USAA - Our Insurance Agent for 55 Years
Reviewed in Texas on April 4, 2026
Service is adequate.
Scott
Verified Review
Way too expensive
Reviewed in Texas on March 29, 2026
Costs double the price of other insurers.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers low-cost car insurance for eligible senior citizens in Texas. To qualify for a car insurance policy from USAA, senior drivers must have a military connection — either as a current or former military member or an eligible family member. USAA’s rates are lower than the national average.
Pros
Variety of available discounts
Affordable car insurance rates for veterans, military members, and their families
Cons
Not all drivers are eligible for insurance coverage
No physical locations
GEICO: Best for accident forgiveness
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $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 18,101 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.
Based on analysis 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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from Texas drivers - See all 7,726 GEICO reviews
Alicia
Verified Review
Every time I get in touch with GEICO, their service is always great. Ever since I’ve had GEICO, I haven’t had a problem with them.
Reviewed in Texas on May 6, 2026
Every time I get in touch with GEICO, their service is always great. Ever since I’ve had GEICO, I haven’t had a problem with them.
Agbor
Verified Review
Not happy with the whole system and representatives.
Reviewed in Texas on May 5, 2026
The system is designed to control your account and make you pay higher premiums. Make sure you check everything. When you make a change, verify it because it does not update as usual. I had to call about my situation. The service representative claimed to have resolved the situation, but it was not. And time costs money.
Gina
Verified Review
I love Geico
Reviewed in Texas on May 3, 2026
It's cheaper than other alternatives, and that is all I care about.
Kathryn
Verified Purchase
Love it
Reviewed in Texas on May 2, 2026
Easy, simple, and reasonable rates.
Gavin
Verified Review
Excellent
Reviewed in Texas on April 30, 2026
Best bang for the buck.
Jerry
Verified Review
Great service for 10 years
Reviewed in Texas on April 21, 2026
They were great. I just lost a big part of my income, so I had to find cheaper insurance.
Cathy
Verified Review
Excellent
Reviewed in Texas on April 18, 2026
They pay claims very well. That is very important to me.
Juanita
Verified Review
Avoid Geico
Reviewed in Texas on April 12, 2026
Pass on Geico. The website is horrible; it's hard to get in touch with a live person; they raised my rate by $60 on renewal.
William
Verified Review
Once upon a time they were affordable...
Reviewed in Texas on April 4, 2026
After 11 loyal years with Geico, once deregulation was in effect, their base rates skyrocketed. It's hard for seniors on a fixed income.
…
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. | $63/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. | $135/mo |
4.5
Best choice in TexasBased on 202 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.
Based on analysis 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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing recent national reviews - See all 68 Mile Auto reviews
Sabrina
Verified Purchase
Good
Reviewed in Tennessee on May 6, 2026
I just wish they would send me an actual insurance card and my policy info in the mail, not just email, because I have no way to print it.
Maureen
Verified Purchase
Low mileage savings made easy
Reviewed in Georgia on April 16, 2026
This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.
Olanrewaju
Verified Purchase
Reasonable coverage.
Reviewed in Georgia on March 17, 2026
So far, it has been very good.
…
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. | $65/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. | $116/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.
Based on analysis 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.
Based on analysis 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 8,478 Progressive reviews
Tonya
Verified Review
Skip Progressive
Reviewed in Texas on May 4, 2026
They offer terrific discounts to lure you in and then raise rates. Coverage is inadequate.
Kean
Verified Review
Snapshot Equals Rate Increase
Reviewed in Texas on May 2, 2026
Don't use Snapshot. The algorithm isn't based in reality and will likely result in your rate going up.
Tammy
Verified Review
Bad Customer Service
Reviewed in Texas on April 26, 2026
They are horrible if you have a small claim that is under your deductible. I was rear-ended in October and no one will help me get reimbursed from the man's insurance because it's under my deductible amount. My agent is absolutely no help either. I'm up for renewal and I will change insurance companies.
Clifton
Verified Review
Premiums too high
Reviewed in Texas on April 24, 2026
I haven’t had to place a claim so far, but their pricing is about to price me out of the market! I’m a 69-year-old single male with a good clean record, my premiums should not be so high!
Arthur
Verified Review
Excellent
Reviewed in Texas on April 23, 2026
Quick and easy plus good rates.
Joseph
Verified Review
Excellent
Reviewed in Texas on April 23, 2026
Never had any problem with them.
Machelle
Verified Review
I wouldn't use them
Reviewed in Texas on April 20, 2026
I gave them all my information when I signed up, and now my policy has doubled to an amount that I can't afford.
Fedrick
Verified Review
Progressive Experience
Reviewed in Texas on April 18, 2026
Expensive. I dropped a car and the insurance rate went up. Not satisfied with Progressive.
John
Verified Review
Review of My Experience with Progressive
Reviewed in Texas on April 16, 2026
Progressive was good until I used their tracking device, and they increased my rates significantly based on one above-normal month of driving. They never lowered it back, so I switched to another provider. I only drive 9,000 miles a year.
…
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, May 11 at 12:00 PM PDT.
City  | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Abilene | $70 | $150 |
| Big Spring | $70 | $157 |
| Commerce | $71 | $149 |
| Corsicana | $73 | $146 |
| Jacksonville | $74 | $175 |
| Temple | $75 | $156 |
| Midland | $77 | $174 |
| Lufkin | $78 | $153 |
| Victoria | $78 | $144 |
| El Paso | $78 | $158 |
| Bryan | $79 | $163 |
| Texarkana | $79 | $143 |
| Amarillo | $79 | $180 |
| Cleburne | $80 | $139 |
| Nacogdoches | $81 | $151 |
| Lubbock | $81 | $174 |
| Greenville | $82 | $152 |
| Odessa | $83 | $196 |
| College Station | $83 | $164 |
| Killeen | $84 | $166 |
| New Braunfels | $87 | $163 |
| Burleson | $87 | $168 |
| Grapevine | $87 | $151 |
| Waxahachie | $87 | $163 |
| Laredo | $88 | $171 |
| Harlingen | $88 | $150 |
| Huntsville | $88 | $168 |
| Denton | $88 | $176 |
| Georgetown | $88 | $159 |
| Round Rock | $91 | $171 |
| San Marcos | $91 | $178 |
| Coppell | $91 | $164 |
| Frisco | $92 | $174 |
| Cedar Park | $92 | $168 |
| Lewisville | $93 | $165 |
| Keller | $94 | $165 |
| Leander | $94 | $174 |
| Mckinney | $94 | $178 |
| Brownsville | $94 | $177 |
| Fort Worth | $94 | $176 |
| Mansfield | $95 | $180 |
| Irving | $96 | $192 |
| Haltom City | $96 | $168 |
| Plano | $99 | $174 |
| Friendswood | $99 | $175 |
| Duncanville | $100 | $207 |
| San Antonio | $100 | $184 |
| Forney | $100 | $192 |
| Arlington | $100 | $181 |
| Galveston | $101 | $175 |
| Cleveland | $101 | $206 |
| League City | $101 | $172 |
| Pflugerville | $101 | $181 |
| Austin | $101 | $179 |
| Pearland | $102 | $195 |
| Montgomery | $102 | $182 |
| Grand Prairie | $103 | $188 |
| Lancaster | $103 | $197 |
| Conroe | $103 | $180 |
| Corpus Christi | $104 | $176 |
| Balch Springs | $104 | $184 |
| San Juan | $105 | $197 |
| Rowlett | $106 | $193 |
| Dallas | $106 | $200 |
| Southlake | $106 | $161 |
| Mesquite | $106 | $203 |
| Beaumont | $107 | $191 |
| La Porte | $107 | $175 |
| Mcallen | $107 | $181 |
| Mission | $108 | $188 |
| Baytown | $108 | $201 |
| Garland | $108 | $199 |
| Rockwall | $108 | $194 |
| Spring | $115 | $197 |
| Sugar Land | $117 | $181 |
| Katy | $120 | $206 |
| Fresno | $120 | $215 |
| Humble | $124 | $206 |
| Houston | $134 | $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.
Shop for Auto Insurance in Texas
Insurify partners with 120+ insurers for real quotes
Excellent
4.7 out of 5 based on 14,329 reviews
Secure. Free. Easy-to-use.
Car insurance discounts for senior drivers in Texas
Depending on your age, driving record, and financial situation, Texas car insurance rates could become more difficult to manage for some senior drivers. Yet if you shop around, you may find that some insurers offer senior discounts that have the potential to save you money and help you find more competitive rates.
Below are some examples of car insurance discounts that might be available from different auto insurance companies.
Mature driver discount
A senior discount may be available to drivers older than 65. You might need to meet certain criteria to qualify, such as having a clean driving record or maintaining continuous insurance coverage.
Safe driver discount
People without a recent speeding ticket on their driving record or who haven’t had any at-fault accidents for a certain period of time may be eligible for this type of discount from certain insurers.
Defensive driving course discount
Some insurance companies may offer senior drivers a discount for taking a defensive driving course. But mature drivers might have to repeat the course every few years to keep their lower rates.
Military member discount
Veterans, active-duty military members, and drivers facing emergency deployment may qualify for discounts on their car insurance rates from many different insurance companies.
AARP member discount
The AARP Auto Insurance Program from The Hartford offers senior drivers discounts on auto insurance.
Low-mileage driver discount
If you’re a senior who drives limited miles, you may be able to find an insurance company that offers lower premiums for low-mileage drivers.
Bundling discount
Most insurers offer discounts when you buy more than one type of policy from them. For example, some may offer a bundling discount when you purchase your auto and home coverage from them. Some even offer savings when you bundle auto and pet insurance.
Car insurance for seniors in Texas FAQs
As a senior driver in Texas, it’s important to search for the cheapest rates and the best insurance products for your specific coverage needs. The following information can help answer your remaining questions about car insurance for seniors.
How much do senior drivers pay for car insurance in Texas?
On average, Texas seniors pay $176 per month for full coverage and $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 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 $34 for liability-only coverage and $65 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.
Related articles
)
Cheapest Texas Car Insurance Quotes From $44/mo.
April 16, 2026
)
Very Cheap No-Deposit Car Insurance in Texas
May 11, 2026
)
Can You Drive in Texas With a Foreign License?
October 15, 2025
)
How to Get a Texas Drivers License: A Step-by-Step Guide
January 28, 2026
)
Texas Car Accident Laws and Regulations
October 15, 2025
)
Cheapest Full-Coverage Car Insurance in Texas
May 12, 2026
)
Non-Owner Car Insurance in Texas
May 12, 2026
)
Car Insurance Discounts for Texas Drivers
May 13, 2026
)
How Long Does an Insurance Company Have to Investigate an Auto Claim in Texas?
October 15, 2025
)
What to Do if You Get Into an Accident With an Uninsured Driver in Texas
November 13, 2025
)
Does a Vehicle Have to Be in Your Name to Insure It in Texas?
August 27, 2024
)
What Age Does Insurance Go Down in Texas?
July 8, 2025
)
Cheap Car Insurance for Low-Income Drivers in Texas
May 12, 2026
)
Cheapest Car Insurance for New Drivers in Texas
May 12, 2026
)
Best Car Insurance Companies in Texas
May 12, 2026
)
Cheap SR-22 Insurance in Texas
May 13, 2026
)
)
)
)
Compare Cheap San Antonio Car Insurance Quotes From $45/mo.
May 13, 2026
)
San Marcos Car Insurance: Compare Cheap Rates
May 13, 2026
Plano Car Insurance: Compare Cheap Rates
May 13, 2026
Lubbock Car Insurance: Compare Cheap Rates
May 13, 2026
)
Odessa Car Insurance: Get Cheap Rates From $44/mo.
May 13, 2026
)
Compare Cheap Midland Car Insurance Quotes From $40/mo.
May 13, 2026
)
McAllen Car Insurance: Get Cheap Rates From $46/mo.
May 13, 2026
)
Mesquite Car Insurance: Compare Cheap Rates
May 13, 2026
)
Compare Cheap Brownsville Car Insurance Quotes From $43/mo.
May 13, 2026
)
Laredo Car Insurance: Compare Cheap Rates
May 13, 2026
)
Killeen Car Insurance: Get Cheap Rates From $40/mo.
May 13, 2026
)
Huntsville Car Insurance: Compare Cheap Rates
May 13, 2026
Irving Car Insurance: Compare Cheap Rates
May 13, 2026
)
Compare Cheap Houston Car Insurance Quotes From $58/mo.
May 13, 2026
)
Galveston Car Insurance: Compare Cheap Rates
May 13, 2026
)
Grand Prairie Car Insurance: Compare Cheap Rates
May 13, 2026
)
Garland Car Insurance: Get Cheap Rates From $49/mo.
May 13, 2026
Fort Worth Car Insurance: Compare Cheap Rates
May 13, 2026
)
Compare Cheap El Paso Car Insurance Quotes From $38/mo.
May 13, 2026
)
Denton Car Insurance: Compare Cheap Rates
May 13, 2026
Compare Cheap Dallas Car Insurance Quotes From $49/mo.
May 13, 2026
Corpus Christi Car Insurance: Get Cheap Rates From $45/mo.
May 13, 2026
)
Compare Cheap Beaumont Car Insurance Quotes From $47/mo.
May 13, 2026
)
Austin Car Insurance: Get Cheap Rates From $45/mo.
May 13, 2026
Sources
- Insurance Information Institiute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
)
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.
Featured in
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.