Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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: Feb 8, 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.

Average Monthly Car Insurance Rates for Senior Citizens 65 and Older by State
StateAverage Monthly Rates of 65-Year-Old DriversAverage Monthly Rates of 75-Year-Old DriversAverage Monthly Rates of 85-Year-Old Drivers
Maine$81$84$83
Wisconsin$89$108$134
Indiana$97$117$155
Idaho$101$127$159
North Carolina$102$102$102
Ohio$105$123$155
Virginia$107$141$187
Alaska$107$128$153
Hawaii$107$107$107
Iowa$112$132$159
Vermont$113$142$177
Washington$115$145$183
Massachusetts$116$116$116
Oklahoma$116$161$196
Pennsylvania$120$140$179
Nebraska$122$141$173
Tennessee$122$154$189
North Dakota$125$148$167
Kansas$125$144$176
Illinois$125$151$195
Arkansas$127$157$199
Minnesota$128$152$193
Mississippi$128$148$186
Alabama$129$154$192
South Carolina$131$162$208
South Dakota$133$144$169
Georgia$134$165$206
New Hampshire$134$148$189
New Mexico$138$162$200
Wyoming$139$165$193
Missouri$140$171$214
West Virginia$140$177$227
Oregon$142$176$223
Montana$146$187$226
Texas$152$180$221
New Jersey$153$147$174
California$153$153$153
Arizona$165$207$268
Utah$171$212$274
Colorado$178$211$263
New York$180$220$277
Connecticut$182$241$311
Delaware$184$226$270
Maryland$193$194$194
Nevada$194$236$307
Kentucky$194$241$306
Florida$213$258$348
Louisiana$236$234$233
Rhode Island$269$281$281
Michigan$333$389$471
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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.

Monthly Senior Citizen Car Insurance Rates by Gender and Company
CompaniesAverage Monthly Car Insurance Rates of a Married 60-Year-Old FemaleAverage Monthly Car Insurance Rates of a Married 60-Year-Old Male
USAA$121$121
State Farm$156$156
Travelers$171$173
American Family$166$168
Progressive$166$171
GEICO$187$190
Nationwide$178$185
Farmers$195$204
Allstate$243$249
Liberty Mutual$287$307
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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.

Senior Citizen Car Insurance Discounts
CompanySenior Citizen Car Insurance Discount
21st CenturyYes - n/a
AAANo
AllstateYes - 10%
American FamilyNo
AmeripriseNo
AmicaNo
Country FinancialNo
EsuranceYes - n/a
FarmersYes - n/a
GeicoNo
Liberty MutualNo
MetLifeYes - 10%
NationwideNo
ProgressiveNo
Safe AutoNo
SafecoNo
State FarmNo
The GeneralYes - 5%
The HanoverYe s- 5%
The HartfordYes - n/a
TravelersNo
USAAYes - n/a
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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.