Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jul 18, 2021

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Just What's Essential

  • Auto insurance for senior citizens is cheaper than it is for any other driver.
  • Senior citizens have eight ways they can save on car insurance.
  • Seniors who are veterans are eligible for USAA.

Senior citizen car insurance is simply any car insurance policy connected to a 60-year-old or older policyholder. If you’re looking for the best insurance for senior citizens, you’ve come to the right place.

This guide explains the dos and don’ts of car insurance for senior citizens and how to get senior citizen discounts. Seniors have a better chance of securing affordable car insurance, and we’ll show you how.

If you want to compare senior citizen car insurance quotes in your local area, enter your ZIP code in the free online quote tool to compare multiple companies.

How much does senior citizen car insurance cost?

Auto insurance for senior citizens varies by state. Instead of car insurance rates by age chart, we simplified our data to monthly premiums by state. Let’s examine the average car insurance rates of senior drivers.

American Family vs. Farmers Average Monthly Rates by Age
AgeAmerican Family Average Monthly PremiumFarmers Average Monthly Premium
Teens$317.50$543.17
20's$140.42$168.33
30's$140.42$128.58
40's$90.75$125.92
50's$90.75$125.58
60's$82.17$116.83
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The average cost of car insurance for senior citizens is $174 per month.

Maine, Wisconsin, and Indiana have the cheapest senior citizen car insurance rates, but Michigan, Rhode Island, and Louisiana have the most expensive car insurance for senior citizens.

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The Best Car Insurance Companies for Senior Citizens

The average monthly rates presented above are general car insurance rates. However, we uncovered more research when we focused on auto insurance costs by the 10 most prominent car insurance companies. Let’s examine their monthly car insurance costs below.

American Family vs. Farmers Car Insurance Rates by Driving History
Citation TypeAmerican Family Average Monthly PremiumFarmers Average Monthly Premium
At-fault accident with less than $1,000 damage$82.50$141.58
At-fault accident with more than $1,000 damage$146.92$194.50
DWI/DUI$154.75$269.92
Speeding Ticket$105.83$170.42
Reckless Driving$154.75$386.33
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USAA is the cheapest company in the United States, but USAA is only available to active and retired military veterans and their immediate families. Following USAA is State Farm and Travelers, but the most expensive companies are Liberty Mutual and Allstate.

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Why is car insurance cheaper for seniors?

According to the Insurance Information Institute, drivers aged 65 and older were among the least affected by fatal crashes in 2018 – which is the latest traffic safety data. Senior citizens drive much less than other age groups, and they usually have more experience than other drivers.

Is car insurance for seniors worth it?

Yes. Any senior citizen that plans to drive should get a car insurance policy. Take advantage of the statistics that auto insurance companies follow and cheap senior citizen car insurance rates through various discounts.

Car Insurance Discounts for Senior Citizens

When you buy senior citizen car insurance, you may be eligible for a discount. However, not all companies provide a senior or mature driver discount. Let’s look at a few companies that do offer a senior driver discount.

Available Discounts from American Family and Farmers Car Insurance Companies
DiscountAmerican FamilyFarmers
Multi-PolicyYesYes
Good StudentYesYes
Anti-Theft DevicesNoYes
Multi-VehicleYesYes
Air BagYesYes
Anti-Lock BrakesNoYes
Defensive DriverYesNo
Good DriverYesYes
Driver's TrainingNoNo
Student Away at SchoolYesYes
Green VehicleNoYes
Advanced PurchaseYesNo
Home OwnerNoYes
BundlingYesYes
Know Your DriveYesNo
Low Annual MileageYesNo
LoyaltyYesYes
Auto PayYesYes
PaperlessNoYes
Paid in FullNoYes
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Senior driver discounts may seem scarce, but some deals provide up to 10 percent off. There are other discounts you can use to save money, such as a good driving record (safe driver or defensive driver discounts).

Eight Ways You Can Save Money on Senior Citizen Car Insurance

We spent most of the guide talking about car insurance rates for seniors, but we haven’t elaborated on how you can save money. Here are eight ways you can be cost-efficient with senior citizen auto insurance.

  1. Enroll and complete a state-regulated driving course.
  2. Buy an older model vehicle or a vehicle with better safety ratings.
  3. Report anti-theft and other safety features to receive a discount.
  4. Drive your vehicle less.
  5. Increase your deductible and lower your car insurance rate.
  6. Drop collision and comprehensive coverage.
  7. Bundle other insurance policies to your car insurance policy.
  8. Shop around for cheap senior citizen car insurance.

These methods will ultimately lower your auto insurance premiums. Cheaper auto insurance rates will give you peace of mind and more confidence regarding your financial budget.

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Senior Citizen Car Insurance: The Bottom Line

It’s not uncommon for senior citizens to have high-risk car insurance, but senior drivers are statistically less commonly involved in high-risk situations. When a senior driver is married, it decreases car insurance premiums even more.

To secure the cheapest auto insurance rates for seniors, ask about discounts. Senior driver discounts are only the tip of the iceberg. Once other discounts are added to the policy, you can save hundreds on car insurance per year.

Enter your ZIP code in the free comparison tool below to compare multiple companies in your local area that provide senior citizen car insurance.