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Senior drivers — those 65 years old and older — tend to pay more for car insurance as they age. Risk considerations, such as the increased incidence of accidents and concurrent injuries, are often factored into car insurance rates for seniors. 

Older drivers can find affordable car insurance rates with a little research. Shopping around and comparing policies is one of the best ways to secure a great deal. If you’re a military member or veteran, USAA stands out as the top choice for auto insurance. For non-military members, the following companies are among the best for offering low-cost car insurance to seniors:

CompanyAverage annual premium for 65-year-old driversAverage annual premium for 70-year-old driversAverage annual premium for 75-year-old drivers
Travelers$1,925$2,046$2,261
GEICO$2,009$2,189$2,392
Nationwide$2,182$2,287$2,431
Progressive$2,219$2,383$2,623
State Farm$2,587$2,689$2,883
Farmers$2,754$2,977$3,199
Allstate$3,002$3,093$3,363
USAA*$1,462$1,559$1,734
*USAA is only available to military community members and their families.
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The average annual cost of car insurance for a 70-year-old driver is $2,410, but shopping around can make a big difference. For instance, Travelers averages $2,046 per year and Nationwide $2,189, while Allstate’s rates are considerably higher at $3,093.

Our take on car insurance for seniors

Car insurance for seniors can be quite expensive. This is due to specific risk factors that can be attributed to age, driving capabilities and ability to react quickly on the road. Senior drivers must consider their options thoroughly before purchasing a policy. 

Lauren McKenzie, an insurance broker with A Plus Insurance, says seniors should carefully assess their coverage needs and explore the policy options available from each insurer. She says there are variations between insurance providers concerning the scope of coverage offered, coverage limits, associated costs and more. 

“It’s essential for seniors to communicate their driving habits during the insurance shopping process. This enables insurers to accurately assess the appropriate mileage for each vehicle, potentially resulting in lower premiums for drivers who clock fewer miles,” Mckenzie says. “By contemplating these factors, senior drivers can secure insurance coverage that aligns precisely with their needs while enjoying peace of mind on the road.”

Key Takeaways

  • Car insurance costs for seniors typically rise with age. Between 65 and 75, rates increase by about 15%, or $346 a year.
  • Travelers offers the best deal on car insurance for drivers aged 65 at an average annual cost of $1,925.
  • Understanding what factors impact senior car insurance rates and available discounts can help older drivers save on their annual premiums.

Average car insurance rates for seniors

Full coverage car insurance for 65-year-old seniors costs an average of $2,274 annually. The same coverage for a 75-year-old driver would cost $346 more annually, at $2,620. 

Car insurance rates tend to increase for drivers over 65 as insurers factor in higher accident risk with age. The table below shows the average cost of insurance based on coverage options — state minimum, liability-only and full coverage (comprehensive and collision car insurance). 

Driver’s ageAverage annual premium for state minimum coverageAverage annual premium for liability only coverageAverage annual premium for full coverage 
65$597$775$2,274
70$647$831$2,410
75$719$917$2,620
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To find the best rate for your age group, it’s a good idea to shop around and ask about available car insurance discounts.

Even if you drive very little as you get older, you will still have to pay for enough insurance to meet minimum liability coverage requirements.

Christopher J. Robinette, Professor of Law at Southwestern Law School, explains that “the main purpose of minimum requirements is to protect other drivers on the road financially. The minimum amount needed to do so does not change with the age of the insurance purchaser.”

Best car insurance rates for seniors by age and state

As a senior, you might find lower car insurance rates depending on where you live. Factors like your state’s coverage requirements, population density, crime rates, and local driving and accident trends all play a role in what you pay.

In general, rates have increased due to inflation affecting the cost of parts and repairs and there tend to be more uninsured drivers on the road, leading to costly lawsuits. However, based on what state you live in, your rates could be cheaper because there is a lower assessed risk, or you may live in a smaller state with fewer residents. 

In the table below, learn how your state stacks up for full coverage car insurance for drivers aged 65.

StateAverage annual premium for 65-year-old drivers
Alaska$2,061
Alabama$1,878
Arkansas$2,369
Arizona$2,219
California$2,840
Colorado$2,935
Connecticut$2,498
Washington, D.C.$3,186
Delaware$2,720
Florida$3,506
Georgia$2,620
Hawaii$1,721
Iowa$1,902
Idaho$1,623
Illinois$1,669
Indiana$1,623
Kansas$2,127
Kentucky$2,694
Louisiana$3,867
Massachusetts$1,990
Maryland$2,126
Maine$1,589
Michigan$2,743
Minnesota$2,207
Missouri$2,101
Mississippi$2,165
Montana$2,270
North Carolina$2,552
North Dakota$1,781
Nebraska$2,155
New Hampshire$1,534
New Jersey$2,673
New Mexico$2,291
Nevada$3,159
New York$2,632
Ohio$1,548
Oklahoma$2,387
Oregon$1,729
Pennsylvania$2,121
Rhode Island$2,754
South Carolina$2,167
South Dakota$2,281
Tennessee$1,927
Texas$2,344
Utah$2,109
Virginia$1,719
Vermont$1,369
Washington$2,070
Wisconsin$1,804
West Virginia$2,253
Wyoming$1,920
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Pro move:

If you’re a senior driver looking to save on car insurance, consider taking a defensive driving course. Many insurers offer discounts for completing an approved course, especially if you’re over 55. It’s a quick way to brush up on skills, stay safer on the road, and cut down your premium without changing your coverage.

Cheapest car insurance for seniors

Travelers offers the cheapest car insurance for senior drivers aged 65, 70, and 75, with an annual average rate of $1,925, $2,046 and $2,261, respectively. 

The table below shows the most affordable car insurance companies for seniors by state. This information can serve as a starting point for your comparison shopping and quote requests.

StateCompanyAnnual premium
AlaskaGEICO$1,446
AlaskaProgressive$1,805
AlaskaState Farm$2,482
AlaskaWestern National Insurance$2,869
AlaskaAllstate$3,208
AlaskaUSAA*$1,595
AlabamaGEICO$1,608
AlabamaTravelers$1,678
AlabamaCountry Financial$1,742
AlabamaNationwide$1,771
AlabamaProgressive$1,975
AlabamaAuto-Owners$2,432
AlabamaAllstate$2,699
AlabamaFarmers$2,779
AlabamaUSAA*$1,616
ArkansasTravelers$1,619
ArkansasGEICO$1,697
ArkansasShelter Insurance$1,962
ArkansasNationwide$2,448
ArkansasSouthern Farm Bureau$2,595
ArkansasFarmers$2,737
ArkansasProgressive$3,349
ArkansasAlfa Insurance$3,461
ArkansasAllstate$3,768
ArkansasUSAA*$1,513
ArizonaGEICO$1,762
ArizonaTravelers$1,768
ArizonaProgressive$1,908
ArizonaAuto-Owners$2,410
ArizonaNationwide$2,465
ArizonaFarmers$2,773
ArizonaState Farm$2,820
ArizonaAllstate$3,114
ArizonaCSAA Insurance (AAA)$5,207
ArizonaUSAA*$1,951
CaliforniaGEICO$2,050
CaliforniaState Farm$2,541
CaliforniaMercury Insurance$2,824
CaliforniaAuto Club Enterprises (AAA)$2,856
CaliforniaCSAA Insurance (AAA)$2,886
CaliforniaProgressive$2,963
CaliforniaFarmers$3,345
CaliforniaKemper$3,507
CaliforniaAllstate$3,563
CaliforniaTravelers$3,579
CaliforniaNationwide$4,056
CaliforniaUSAA*$2,089
ColoradoGEICO$2,156
ColoradoProgressive$2,461
ColoradoKemper$2,662
ColoradoAuto-Owners$3,109
ColoradoFarmers$3,358
ColoradoSouthern Farm Bureau$3,701
ColoradoAllstate$3,736
ColoradoAcuity Insurance$4,010
ColoradoState Farm$4,069
ColoradoUSAA*$2,188
ConnecticutKemper$1,836
ConnecticutGEICO$1,931
ConnecticutNationwide$2,689
ConnecticutProgressive$3,228
ConnecticutAmica$3,270
ConnecticutAllstate$3,280
ConnecticutState Farm$3,354
ConnecticutFarmers$3,364
ConnecticutThe Hanover$6,499
ConnecticutUSAA*$1,699
Washington, D.C.GEICO$2,071
Washington, D.C.Nationwide$2,864
Washington, D.C.Chubb$3,348
Washington, D.C.State Farm$4,661
Washington, D.C.Allstate$4,759
Washington, D.C.Progressive$4,803
Washington, D.C.USAA*$1,508
DelawareGEICO$1,756
DelawareNationwide$1,833
DelawareProgressive$2,471
DelawareAmerican Family$2,941
DelawareState Farm$3,073
DelawareDonegal Insurance$3,600
DelawareAllstate$4,702
DelawareSentry Insurance$6,048
DelawareUSAA*$1,765
FloridaUAIC$2,502
FloridaTravelers$2,506
FloridaState Farm$2,613
FloridaGEICO$2,618
FloridaNationwide$3,401
FloridaMercury Insurance$3,847
FloridaAllstate$4,507
FloridaNational General$4,987
FloridaFarmers$5,210
FloridaProgressive$6,018
GeorgiaProgressive$1,857
GeorgiaCountry Financial$2,349
GeorgiaGEICO$2,403
GeorgiaAuto-Owners$2,510
GeorgiaAllstate$3,180
GeorgiaCentral Insurance$3,187
GeorgiaSafeway Insurance$3,430
GeorgiaMercury Insurance$3,533
GeorgiaState Farm$4,005
GeorgiaUSAA*$1,858
HawaiiGEICO$1,251
HawaiiProgressive$1,279
HawaiiFarmers$1,746
HawaiiIsland Insurance$1,936
HawaiiState Farm$2,312
HawaiiAllstate$2,379
HawaiiUSAA*$1,141
IowaTravelers$1,354
IowaProgressive$1,467
IowaGEICO$1,615
IowaAuto-Owners$1,723
IowaState Farm$1,814
IowaIMT Insurance$1,893
IowaWest Bend Insurance Company$1,980
IowaAllstate$2,904
IowaIowa Farm Bureau$2,928
IowaGrinnell Mutual$3,064
IowaUSAA*$1,257
IdahoState Farm$1,405
IdahoFarmers$1,595
IdahoNationwide$1,639
IdahoAuto-Owners$1,646
IdahoGEICO$1,661
IdahoIdaho Farm Bureau$1,868
IdahoTravelers$2,021
IdahoAllstate$2,439
IdahoSentry Insurance$2,646
IdahoUSAA*$793
IllinoisGEICO$1,245
IllinoisTravelers$1,475
IllinoisAuto Club Group – ACG (AAA)$1,769
IllinoisCountry Financial$1,911
IllinoisProgressive$1,923
IllinoisAuto-Owners$1,933
IllinoisErie Insurance$2,161
IllinoisAllstate$2,953
IllinoisUSAA*$1,580
IndianaGEICO$1,060
IndianaTravelers$1,478
IndianaProgressive$1,539
IndianaAuto-Owners$1,873
IndianaIndiana Farmers Insurance$1,891
IndianaFarmers$2,000
IndianaIndiana Farm Bureau$2,457
IndianaAllstate$2,588
IndianaUSAA*$979
KansasTravelers$1,599
KansasNationwide$1,846
KansasProgressive$1,855
KansasShelter Insurance$2,149
KansasFarmers$2,202
KansasGEICO$2,333
KansasState Farm$2,638
KansasAllstate$3,424
KansasIowa Farm Bureau$3,581
KansasUSAA*$1,285
KentuckyTravelers$1,758
KentuckyShelter Insurance$2,374
KentuckyGEICO$2,489
KentuckyAuto-Owners$2,684
KentuckyProgressive$2,794
KentuckyKentucky Farm Bureau$3,190
KentuckyState Farm$3,654
KentuckyAllstate$4,342
KentuckyFarmers$5,478
KentuckyUSAA*$1,667
LouisianaSouthern Farm Bureau$2,449
LouisianaGEICO$3,147
LouisianaProgressive$3,423
LouisianaSafeway Insurance$3,854
LouisianaFarmers$4,036
LouisianaLouisiana Farm Bureau$4,722
LouisianaState Farm$4,756
LouisianaAuto Club Enterprises (AAA)$5,315
LouisianaAllstate$9,499
LouisianaUSAA*$2,772
MassachusettsGEICO$1,314
MassachusettsPlymouth Rock Assurance$1,799
MassachusettsSafety Insurance$1,931
MassachusettsProgressive$2,178
MassachusettsArbella Insurance$2,251
MassachusettsFarmers$2,399
MassachusettsAllstate$2,544
MassachusettsAmica$2,555
MassachusettsTravelers$2,601
MassachusettsUSAA*$1,349
MarylandGEICO$1,735
MarylandNationwide$1,779
MarylandErie Insurance$2,001
MarylandTravelers$2,250
MarylandProgressive$2,284
MarylandState Farm$2,446
MarylandPenn National Insurance$2,977
MarylandAllstate$4,586
MarylandUSAA*$1,266
MaineTravelers$826
MaineAuto-Owners$1,027
MaineProgressive$1,123
MaineGEICO$1,356
MaineAllstate$1,855
MaineMMG Insurance$2,005
MaineState Farm$2,269
MaineFrankenmuth Insurance$2,317
MaineFarmers$2,383
MaineUSAA*$997
MichiganTravelers$2,298
MichiganProgressive$2,559
MichiganAuto-Owners$2,643
MichiganAuto Club Group – ACG (AAA)$2,648
MichiganGEICO$2,841
MichiganPioneer State Mutual$3,442
MichiganMichigan Farm Bureau$3,635
MichiganFrankenmuth Insurance$4,037
MichiganState Farm$4,202
MichiganUSAA*$1,875
MinnesotaTravelers$1,636
MinnesotaAuto-Owners$1,724
MinnesotaAuto Club Group – ACG (AAA)$1,945
MinnesotaState Farm$2,179
MinnesotaNationwide$2,260
MinnesotaNorth Star Mutual$2,802
MinnesotaAllstate$2,948
MinnesotaGEICO$3,393
MinnesotaWestern National Insurance$4,805
MinnesotaUSAA*$1,694
MissouriTravelers$1,591
MissouriGEICO$1,854
MissouriShelter Insurance$1,999
MissouriMissouri Farm Bureau$2,559
MissouriNationwide$2,643
MissouriAuto Club Enterprises (AAA)$2,859
MissouriProgressive$3,321
MissouriUSAA*$1,250
MississippiTravelers$1,831
MississippiShelter Insurance$2,194
MississippiProgressive$2,252
MississippiNationwide$2,352
MississippiSouthern Farm Bureau$2,484
MississippiGEICO$2,868
MississippiAllstate$3,013
MississippiSafeway Insurance$3,845
MississippiUSAA*$1,455
MontanaState Farm$1,799
MontanaNationwide$1,937
MontanaKemper$2,311
MontanaProgressive$2,684
MontanaFarmers$2,902
MontanaAllstate$3,258
MontanaGEICO$3,383
MontanaUSAA*$1,288
North CarolinaErie Insurance$1,257
North CarolinaProgressive$1,480
North CarolinaState Farm$1,835
North CarolinaNationwide$2,314
North CarolinaFarmers$2,479
North CarolinaNorth Carolina Farm Bureau$2,763
North CarolinaPenn National Insurance$2,797
North CarolinaGEICO$3,843
North CarolinaUtica National Insurance Group$3,986
North CarolinaAllstate$4,060
North DakotaNationwide$1,118
North DakotaAmerican Family$1,121
North DakotaProgressive$1,574
North DakotaGEICO$1,853
North DakotaAuto-Owners$2,255
North DakotaNodak Insurance$2,257
North DakotaNorth Star Mutual$2,282
North DakotaState Farm$2,464
North DakotaAllstate$2,785
North DakotaUSAA*$1,020
NebraskaFarmers Mutual of Nebraska$1,398
NebraskaAuto-Owners$1,639
NebraskaProgressive$1,883
NebraskaShelter Insurance$2,180
NebraskaAllstate$2,561
NebraskaGEICO$3,218
NebraskaIowa Farm Bureau$3,950
NebraskaUSAA*$1,679
New HampshireThe Hanover$1,047
New HampshireGEICO$1,261
New HampshireAuto-Owners$1,452
New HampshireNationwide$1,456
New HampshireProgressive$1,700
New HampshireMMG Insurance$1,826
New HampshireAllstate$2,113
New HampshireState Farm$2,214
New HampshireFarmers$2,724
New HampshireUSAA*$1,131
New JerseySelective Insurance$1,939
New JerseyNJM$1,956
New JerseyPlymouth Rock Assurance$2,618
New JerseyTravelers$2,678
New JerseyFarmers$3,042
New JerseyGEICO$3,080
New JerseyProgressive$3,083
New JerseyAllstate$3,239
New JerseyState Farm$3,730
New JerseyThe Hanover$5,302
New MexicoGEICO$1,501
New MexicoProgressive$1,875
New MexicoCentral Insurance$2,187
New MexicoNationwide$2,355
New MexicoState Farm$2,533
New MexicoFarmers$2,591
New MexicoAllstate$3,061
New MexicoKemper$3,394
New MexicoIowa Farm Bureau$3,418
New MexicoUSAA*$1,325
NevadaTravelers$2,344
NevadaGEICO$2,749
NevadaAmerican Family$2,931
NevadaMercury Insurance$3,262
NevadaProgressive$3,614
NevadaState Farm$3,852
NevadaFarmers$3,925
NevadaAllstate$4,423
NevadaCSAA Insurance (AAA)$6,666
NevadaUSAA*$2,060
New YorkProgressive$1,311
New YorkNYCM Insurance$2,315
New YorkErie Insurance$2,455
New YorkGEICO$2,498
New YorkState Farm$2,801
New YorkAllstate$3,175
New YorkChubb$3,826
New YorkThe Hanover$3,831
New YorkTravelers$4,130
New YorkUSAA*$2,061
OhioGrange Insurance$1,370
OhioProgressive$1,571
OhioGEICO$1,621
OhioErie Insurance$1,621
OhioAuto-Owners$1,686
OhioWestfield Insurance$1,851
OhioAllstate$1,882
OhioFarmers$1,910
OhioCincinnati Insurance$2,044
OhioTravelers$2,413
OhioUSAA*$1,052
OklahomaProgressive$1,749
OklahomaGEICO$2,083
OklahomaShelter Insurance$2,320
OklahomaMercury Insurance$2,580
OklahomaFarmers$2,700
OklahomaState Farm$2,753
OklahomaAFR Insurance$2,805
OklahomaOklahoma Farm Bureau$3,356
OklahomaAllstate$3,463
OklahomaUSAA*$1,577
OregonOregon Mutual Insurance$1,495
OregonGEICO$1,605
OregonNationwide$1,675
OregonTravelers$1,683
OregonCountry Financial$1,740
OregonState Farm$2,329
OregonFarmers$2,443
OregonProgressive$3,426
OregonUSAA*$1,565
PennsylvaniaTravelers$1,336
PennsylvaniaNationwide$1,669
PennsylvaniaErie Insurance$1,849
PennsylvaniaWestfield Insurance$2,429
PennsylvaniaAllstate$2,590
PennsylvaniaState Farm$2,658
PennsylvaniaGEICO$2,862
PennsylvaniaDonegal Insurance$2,945
PennsylvaniaProgressive$3,316
PennsylvaniaUSAA*$1,937
Rhode IslandState Farm$2,188
Rhode IslandProgressive$2,222
Rhode IslandTravelers$2,458
Rhode IslandNationwide$2,740
Rhode IslandGEICO$3,208
Rhode IslandAmerican Family$3,278
Rhode IslandAllstate$3,284
Rhode IslandAmica$3,642
Rhode IslandFarmers$3,838
Rhode IslandUSAA*$1,475
South CarolinaAuto-Owners$1,875
South CarolinaNationwide$1,986
South CarolinaSouthern Farm Bureau$2,085
South CarolinaProgressive$2,144
South CarolinaTravelers$2,378
South CarolinaGEICO$2,685
South CarolinaState Farm$3,015
South CarolinaAllstate$3,019
South CarolinaSentry Insurance$4,622
South CarolinaUSAA*$1,710
South DakotaFarmers Mutual of Nebraska$1,257
South DakotaProgressive$1,578
South DakotaNationwide$2,108
South DakotaAllstate$2,256
South DakotaFarmers$2,409
South DakotaState Farm$2,436
South DakotaAuto-Owners$2,495
South DakotaNorth Star Mutual$2,881
South DakotaGEICO$3,110
South DakotaIowa Farm Bureau$3,521
South DakotaUSAA*$1,866
TennesseeGEICO$1,639
TennesseeTravelers$1,659
TennesseeFarm Bureau Insurance of Tennessee$1,772
TennesseeFarmers$1,968
TennesseeErie Insurance$2,078
TennesseeNationwide$2,325
TennesseeProgressive$2,341
TennesseeState Farm$2,937
TennesseeAllstate$3,315
TennesseeUSAA*$1,263
TexasTexas Farm Bureau$1,100
TexasRedpoint Insurance$1,890
TexasState Farm$2,137
TexasAuto Club Enterprises (AAA)$2,369
TexasProgressive$2,511
TexasGEICO$2,544
TexasAllstate$4,127
TexasFarmers$4,354
TexasUSAA*$1,707
UtahNationwide$1,149
UtahGEICO$1,470
UtahAuto-Owners$2,106
UtahProgressive$2,401
UtahFarmers$2,597
UtahUnited Insurance Co$2,798
UtahAllstate$2,987
UtahIowa Farm Bureau$3,213
UtahState Farm$4,678
UtahUSAA*$1,449
VirginiaTravelers$1,214
VirginiaVirginia Farm Bureau$1,315
VirginiaGEICO$1,495
VirginiaErie Insurance$1,810
VirginiaAuto-Owners$1,994
VirginiaProgressive$2,240
VirginiaState Farm$2,416
VirginiaAllstate$2,528
VirginiaFarmers$4,550
VirginiaUSAA*$1,243
VermontProgressive$914
VermontCo-operative Insurance Companies$1,351
VermontState Farm$1,359
VermontNationwide$1,521
VermontAuto-Owners$1,584
VermontGEICO$1,638
VermontAllstate$1,814
VermontVermont Mutual$2,021
VermontFarmers$2,807
VermontUSAA*$1,043
WashingtonGEICO$1,921
WashingtonAmerican Family$2,021
WashingtonNationwide$2,152
WashingtonTravelers$2,158
WashingtonFarmers$2,348
WashingtonState Farm$2,459
WashingtonProgressive$2,499
WashingtonAllstate$2,579
WashingtonPEMCO$3,106
WashingtonUSAA*$1,186
WisconsinTravelers$1,221
WisconsinGEICO$1,439
WisconsinNationwide$1,622
WisconsinWest Bend Insurance Company$1,787
WisconsinErie Insurance$2,039
WisconsinAcuity Insurance$2,307
WisconsinFarmers$2,341
WisconsinAllstate$2,853
WisconsinProgressive$3,237
WisconsinUSAA*$1,177
West VirginiaGEICO$1,877
West VirginiaErie Insurance$2,137
West VirginiaFarmers$2,482
West VirginiaWestfield Insurance$2,510
West VirginiaState Farm$2,647
West VirginiaProgressive$2,754
West VirginiaAllstate$3,796
West VirginiaUSAA*$1,566
WyomingAmerican National$879
WyomingState Farm$1,478
WyomingFarmers$1,704
WyomingAllstate$3,126
WyomingGEICO$3,926
WyomingUSAA*$1,414
*USAA is only available to military community members and their families.
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You can find savings by comparing car insurance quotes and discussing the benefits of being a car insurance company’s customer. This includes reviewing their financial and professional standing and what discounts and rate reductions they offer seniors. 

“When senior drivers embark on the search for car insurance, there are several crucial considerations to keep in mind. Foremost among these is the selection of an insurance company boasting a stellar reputation, particularly in terms of financial stability,” Mckenzie says.  “This ensures that policyholders will receive adequate coverage in the event of a claim. Additionally, prioritizing a company renowned for its exemplary customer service is important, as it ensures policyholders receive prompt assistance with inquiries, policy adjustments or claims processing.”

Why is auto insurance higher for seniors?

Insurance rates tend to be higher for senior drivers, especially those over 65, because insurers often view older drivers as a greater risk on the road.

Age-related factors such as diminished vision, slower reaction times, and potential health issues can increase the likelihood of accidents. 

Additionally, when accidents occur, seniors are more susceptible to severe injuries, leading to higher medical costs and, consequently, higher insurance claims.

Car insurance premiums are usually highest for teen drivers, but drop significantly after age 25. However, as drivers get older, rates can begin to climb again. Our data shows that premiums typically start rising after age 65. For instance, while a 45-year-old pays an average of $2,463 for a full coverage policy, a 75-year-old pays an average of $2,620 for the same policy.

AgeAverage annual premiumSemi-annual premiumAverage monthly premium
45$2,463$1,231$205
50$2,358$1,179$196
55$2,277$1,139$190
60$2,250$1,125$187
65$2,274$1,137$189
70$2,410$1,205$201
75$2,620$1,310$218
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Average cost of car insurance for 65-years-old drivers

Drivers at 65 pay the lowest premiums before rates climb with age. Travelers offers the cheapest full coverage at $1,925 a year, while USAA drops to $1,462 for military families. GEICO leads for state-minimum coverage at $447 annually, and Allstate is the most expensive at $3,002. 

Check the chart below for more insurer comparisons.

CompanyAverage annual premium for state minimum coverageAverage annual premium for liability only coverageAverage annual premium for full coverage 
Allstate$890 $1,116 $3,002 
Farmers$750 $1,122 $2,754 
GEICO$447 $630 $2,009 
Nationwide$758 $908 $2,182 
Progressive$571 $764 $2,219 
State Farm$708 $904 $2,587 
Travelers$682 $813 $1,925 
USAA*$369 $472 $1,462 
*USAA is only available to military community members and their families.
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* USAA offers its services only to military members, veterans and their families. 

Average cost of car insurance for 70-years-old drivers

At age 70, car insurance costs start climbing due to increased accident risk. GEICO offers the cheapest state-minimum coverage at $508, Travelers leads for full coverage at $2,046, and USAA has the lowest rates for military families at $412. Allstate is the most expensive at $3,093 for full coverage. 

Compare more insurers in the chart below.

CompanyAverage annual premium for state minimum coverageAverage annual premium for liability only coverageAverage annual premium for full coverage 
Allstate$917$1,147$3,093
Farmers$838$1,219$2,977
GEICO$508$695$2,189
Nationwide$820$976$2,287
Progressive$621$825$2,383
State Farm$742$943$2,689
Travelers$714$855$2,046
USAA*$412$520$1,559
*USAA is only available to military community members and their families.
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* USAA offers its services only to military members, veterans and their families. 

Average cost of car insurance for 75-years-old drivers

At age 75, car insurance rates climb sharply due to higher risk tied to vision, hearing, and reaction time changes. GEICO has the cheapest state-minimum policy at $563, Travelers leads for full coverage at $2,261, and USAA drops even lower for military families at $469. Allstate is the most expensive, with full coverage averaging $3,363. 

Compare additional insurers in the chart below.

Top companies for 75-year-oldsAverage annual state minimum costAverage annual liability only costAverage annual full coverage cost
Allstate$1,024$1,270$3,363
Farmers$934$1,337$3,199
GEICO$563$755$2,392
Nationwide$904$1,059$2,431
Progressive$699$932$2,623
State Farm$818$1,031$2,883
Travelers$775$923$2,261
USAA*$469$586$1,734
*USAA is only available to military community members and their families.
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* USAA offers its services only to military members, veterans and their families. 

Cheapest car insurance for seniors with penalties

Finding cheap car insurance can be challenging for seniors who have driving penalties on their records, such as at-fault accidents, DUIs, or traffic tickets. However, some insurance companies offer affordable rates for senior drivers with tickets on their records.

It’s no secret that car insurance increases after an accident, a speeding ticket or a drop in your credit score. But by how much? It depends on the violation type. 

For instance, a DUI can drive up your car insurance by 107% — an increase of about $1,870. An at-fault accident may raise rates by 64%, while prior claims can push premiums up by around 18%.

Explore the following violations and how they impact car insurance rates below.

Cheapest companies for seniors with at-fault accidents

An at-fault accident can make your insurance rates go up. However, some insurers offer accident forgiveness programs. This means they won’t raise your rates after your first accident, especially if you’ve had a good driving record.  

Below is a list of insurers offering cheap rates for senior drivers with an at-fault accident.

State nameCompanyAverage premium
AlaskaState Farm$1,807
AlaskaGEICO$1,868
AlaskaAllstate$3,606
AlaskaProgressive$3,676
AlaskaUSAA*$1,769
AlabamaState Farm$1,961
AlabamaNationwide$1,992
AlabamaTravelers$2,026
AlabamaGEICO$2,458
AlabamaAuto-Owners$2,544
AlabamaAllstate$3,360
AlabamaProgressive$3,976
AlabamaFarmers$4,135
AlabamaUSAA*$2,327
ArkansasTravelers$2,003
ArkansasState Farm$2,119
ArkansasNationwide$2,314
ArkansasGEICO$2,567
ArkansasFarmers$3,340
ArkansasProgressive$3,611
ArkansasAllstate$3,919
ArkansasUSAA*$1,607
ArizonaGEICO$1,821
ArizonaAuto-Owners$2,085
ArizonaTravelers$2,152
ArizonaNationwide$2,195
ArizonaState Farm$2,364
ArizonaProgressive$3,077
ArizonaAllstate$3,324
ArizonaFarmers$3,612
ArizonaCSAA Insurance (AAA)$4,955
ArizonaUSAA*$2,472
CaliforniaMercury Insurance$3,290
CaliforniaProgressive$3,549
CaliforniaAuto Club Enterprises (AAA)$3,572
CaliforniaState Farm$3,622
CaliforniaGEICO$3,727
CaliforniaCSAA Insurance (AAA)$3,824
CaliforniaTravelers$4,022
CaliforniaFarmers$4,662
CaliforniaNationwide$4,824
CaliforniaAllstate$5,564
CaliforniaUSAA*$2,926
ColoradoState Farm$1,976
ColoradoKemper$2,577
ColoradoGEICO$2,628
ColoradoAllstate$3,549
ColoradoAuto-Owners$3,629
ColoradoProgressive$4,277
ColoradoFarmers$5,400
ColoradoUSAA*$2,289
ConnecticutState Farm$1,716
ConnecticutGEICO$1,781
ConnecticutKemper$2,562
ConnecticutProgressive$2,695
ConnecticutNationwide$2,779
ConnecticutAmica$3,586
ConnecticutAllstate$3,697
ConnecticutFarmers$4,196
ConnecticutThe Hanover$6,506
ConnecticutUSAA*$1,004
Washington, D.C.Erie Insurance$2,080
Washington, D.C.Progressive$2,530
Washington, D.C.State Farm$2,597
Washington, D.C.GEICO$2,759
Washington, D.C.Chubb$3,819
Washington, D.C.Allstate$5,117
Washington, D.C.USAA*$1,908
DelawareTravelers$1,493
DelawareNationwide$2,147
DelawareState Farm$2,345
DelawareProgressive$2,790
DelawareGEICO$3,443
DelawareAmerican Family$3,596
DelawareAllstate$5,826
DelawareSentry Insurance$6,158
FloridaState Farm$2,258
FloridaGEICO$2,870
FloridaNationwide$2,886
FloridaTravelers$3,207
FloridaNational General$3,885
FloridaProgressive$4,102
FloridaFarmers$4,647
FloridaAllstate$5,910
FloridaMercury Insurance$6,374
GeorgiaAuto-Owners$2,245
GeorgiaCountry Financial$2,261
GeorgiaState Farm$2,489
GeorgiaGEICO$2,774
GeorgiaAllstate$3,016
GeorgiaProgressive$3,216
GeorgiaMercury Insurance$5,121
GeorgiaUSAA*$2,499
HawaiiGEICO$1,728
HawaiiProgressive$1,842
HawaiiState Farm$2,308
HawaiiIsland Insurance$2,362
HawaiiFarmers$2,429
HawaiiAllstate$2,871
HawaiiUSAA*$1,309
IowaState Farm$1,296
IowaTravelers$1,655
IowaAuto-Owners$1,722
IowaProgressive$2,037
IowaGEICO$2,646
IowaAllstate$2,809
IowaUSAA*$1,695
IdahoState Farm$1,190
IdahoAuto-Owners$1,294
IdahoTravelers$1,572
IdahoGEICO$2,009
IdahoNationwide$2,328
IdahoFarmers$2,594
IdahoAllstate$2,911
IdahoUSAA*$1,131
IllinoisAuto Club Group – ACG (AAA)$1,170
IllinoisAuto-Owners$1,661
IllinoisTravelers$1,662
IllinoisState Farm$1,695
IllinoisErie Insurance$1,895
IllinoisGEICO$2,103
IllinoisProgressive$2,245
IllinoisAllstate$4,831
IllinoisUSAA*$2,646
IndianaAuto-Owners$1,417
IndianaState Farm$1,767
IndianaTravelers$1,829
IndianaNationwide$1,914
IndianaGEICO$1,925
IndianaProgressive$2,884
IndianaAllstate$3,362
IndianaFarmers$3,363
IndianaUSAA*$1,211
KansasNationwide$1,844
KansasState Farm$1,915
KansasTravelers$1,998
KansasProgressive$2,787
KansasGEICO$3,019
KansasFarmers$3,343
KansasAllstate$4,388
KansasUSAA*$1,617
KentuckyKentucky Farm Bureau$2,456
KentuckyAuto-Owners$2,494
KentuckyTravelers$2,568
KentuckyState Farm$2,849
KentuckyGEICO$3,656
KentuckyProgressive$4,098
KentuckyAllstate$5,783
KentuckyFarmers$6,585
KentuckyUSAA*$2,934
LouisianaSouthern Farm Bureau$2,970
LouisianaSafeway Insurance$3,390
LouisianaState Farm$3,870
LouisianaFarmers$4,329
LouisianaAuto Club Enterprises (AAA)$5,128
LouisianaProgressive$5,598
LouisianaGEICO$6,200
LouisianaUSAA*$3,292
MassachusettsState Farm$786
MassachusettsGEICO$1,340
MassachusettsArbella Insurance$1,472
MassachusettsSafety Insurance$2,227
MassachusettsTravelers$2,797
MassachusettsProgressive$2,877
MassachusettsFarmers$3,205
MassachusettsAllstate$3,397
MassachusettsUSAA*$1,658
MarylandGEICO$2,074
MarylandNationwide$2,359
MarylandErie Insurance$2,505
MarylandState Farm$2,631
MarylandTravelers$2,810
MarylandProgressive$3,059
MarylandKemper$3,839
MarylandAllstate$5,109
MarylandUSAA*$1,891
MaineAuto-Owners$1,013
MaineTravelers$1,163
MaineState Farm$1,423
MaineAllstate$1,515
MaineFrankenmuth Insurance$1,791
MaineProgressive$1,830
MaineGEICO$1,900
MaineFarmers$2,297
MaineUSAA*$1,256
MichiganAuto-Owners$2,240
MichiganProgressive$2,629
MichiganAuto Club Group – ACG (AAA)$3,303
MichiganGEICO$3,311
MichiganTravelers$3,603
MichiganState Farm$3,916
MichiganUSAA*$2,365
MinnesotaState Farm$1,548
MinnesotaNationwide$1,669
MinnesotaAuto-Owners$1,896
MinnesotaTravelers$2,168
MinnesotaAuto Club Group – ACG (AAA)$3,080
MinnesotaGEICO$3,889
MinnesotaAllstate$4,060
MinnesotaUSAA*$2,031
MissouriTravelers$1,916
MissouriNationwide$1,934
MissouriState Farm$2,130
MissouriProgressive$2,636
MissouriAuto Club Enterprises (AAA)$3,189
MissouriAllstate$3,590
MissouriGEICO$5,871
MissouriUSAA*$1,515
MississippiState Farm$1,923
MississippiNationwide$2,059
MississippiTravelers$2,245
MississippiProgressive$3,304
MississippiAllstate$3,640
MississippiGEICO$3,728
MississippiShelter Insurance$4,401
MississippiUSAA*$1,993
MontanaState Farm$1,853
MontanaKemper$3,281
MontanaProgressive$3,524
MontanaGEICO$3,609
MontanaFarmers$3,931
MontanaAllstate$4,236
MontanaUSAA*$1,179
North CarolinaState Farm$1,661
North CarolinaErie Insurance$1,695
North CarolinaNorth Carolina Farm Bureau$1,709
North CarolinaNationwide$2,612
North CarolinaProgressive$2,917
North CarolinaFarmers$2,939
North CarolinaGEICO$3,357
North CarolinaAllstate$5,090
North DakotaNationwide$1,610
North DakotaState Farm$1,717
North DakotaAuto-Owners$1,861
North DakotaProgressive$2,076
North DakotaFarmers$2,717
North DakotaAllstate$3,043
North DakotaGEICO$5,902
North DakotaUSAA*$1,149
NebraskaAuto-Owners$1,638
NebraskaNationwide$1,800
NebraskaState Farm$2,359
NebraskaProgressive$2,987
NebraskaAllstate$3,195
NebraskaGEICO$4,996
NebraskaUSAA*$1,919
New HampshireThe Hanover$1,088
New HampshireAuto-Owners$1,136
New HampshireState Farm$1,164
New HampshireNationwide$1,782
New HampshireProgressive$2,147
New HampshireGEICO$2,284
New HampshireFarmers$2,948
New HampshireAllstate$3,250
New HampshireUSAA*$1,300
New JerseyNJM$1,256
New JerseyGEICO$2,168
New JerseyPlymouth Rock Assurance$2,642
New JerseyTravelers$2,914
New JerseyState Farm$3,414
New JerseyProgressive$4,402
New JerseyFarmers$4,789
New JerseyAllstate$5,100
New MexicoState Farm$1,754
New MexicoProgressive$2,247
New MexicoGEICO$2,453
New MexicoNationwide$2,760
New MexicoIowa Farm Bureau$3,376
New MexicoKemper$3,798
New MexicoFarmers$4,114
New MexicoAllstate$4,360
New MexicoUSAA*$1,684
NevadaState Farm$1,555
NevadaTravelers$2,898
NevadaGEICO$3,375
NevadaAllstate$3,518
NevadaFarmers$3,691
NevadaAmerican Family$3,763
NevadaProgressive$3,837
NevadaMercury Insurance$4,830
NevadaCSAA Insurance (AAA)$5,602
NevadaUSAA*$2,332
New YorkProgressive$1,677
New YorkState Farm$2,027
New YorkGEICO$2,419
New YorkErie Insurance$2,583
New YorkAllstate$2,723
New YorkTravelers$3,125
New YorkUSAA*$1,781
OhioErie Insurance$1,353
OhioAuto-Owners$1,508
OhioTravelers$1,998
OhioGEICO$2,760
OhioAllstate$2,811
OhioProgressive$2,951
OhioFarmers$3,225
OhioUSAA*$1,517
OklahomaProgressive$1,731
OklahomaState Farm$1,875
OklahomaShelter Insurance$2,385
OklahomaOklahoma Farm Bureau$3,063
OklahomaAllstate$3,606
OklahomaGEICO$3,693
OklahomaFarmers$4,077
OklahomaMercury Insurance$4,524
OklahomaUSAA*$2,288
OregonNationwide$1,592
OregonState Farm$1,730
OregonTravelers$1,912
OregonProgressive$3,008
OregonGEICO$3,281
OregonFarmers$3,872
OregonAllstate$4,847
OregonUSAA*$2,080
PennsylvaniaTravelers$1,128
PennsylvaniaNationwide$1,737
PennsylvaniaErie Insurance$1,866
PennsylvaniaState Farm$2,513
PennsylvaniaAllstate$3,241
PennsylvaniaGEICO$3,468
PennsylvaniaProgressive$3,470
PennsylvaniaUSAA*$2,709
Rhode IslandState Farm$1,730
Rhode IslandProgressive$2,087
Rhode IslandNationwide$2,774
Rhode IslandGEICO$2,813
Rhode IslandTravelers$3,154
Rhode IslandAmerican Family$3,660
Rhode IslandAmica$3,847
Rhode IslandFarmers$4,294
Rhode IslandAllstate$4,553
South CarolinaAuto-Owners$1,899
South CarolinaState Farm$2,294
South CarolinaTravelers$2,684
South CarolinaGEICO$2,850
South CarolinaProgressive$3,104
South CarolinaAllstate$4,073
South CarolinaUSAA*$2,236
South DakotaState Farm$1,937
South DakotaNationwide$2,166
South DakotaFarmers$2,533
South DakotaAllstate$2,849
South DakotaAuto-Owners$2,987
South DakotaProgressive$3,538
South DakotaGEICO$3,717
South DakotaUSAA*$2,465
TennesseeState Farm$1,778
TennesseeErie Insurance$1,958
TennesseeTravelers$2,089
TennesseeNationwide$2,451
TennesseeGEICO$2,701
TennesseeFarmers$2,722
TennesseeProgressive$2,775
TennesseeAllstate$4,721
TennesseeUSAA*$1,822
TexasState Farm$2,040
TexasGEICO$2,325
TexasNationwide$2,398
TexasAuto Club Enterprises (AAA)$3,055
TexasAllstate$4,202
TexasProgressive$4,551
TexasUSAA*$2,906
UtahNationwide$1,801
UtahState Farm$2,308
UtahAuto-Owners$2,397
UtahProgressive$2,766
UtahGEICO$2,850
UtahAllstate$3,245
UtahFarmers$4,609
UtahUSAA*$1,975
VirginiaState Farm$1,558
VirginiaErie Insurance$1,643
VirginiaTravelers$1,704
VirginiaGEICO$2,018
VirginiaProgressive$3,251
VirginiaAllstate$4,102
VirginiaFarmers$5,136
VirginiaUSAA*$1,803
VermontState Farm$1,189
VermontNationwide$1,279
VermontAuto-Owners$1,483
VermontProgressive$1,697
VermontVermont Mutual$1,871
VermontGEICO$1,952
VermontAllstate$2,569
VermontFarmers$2,652
VermontUSAA*$1,180
WashingtonState Farm$1,916
WashingtonTravelers$2,083
WashingtonGEICO$2,128
WashingtonNationwide$2,502
WashingtonAllstate$2,503
WashingtonAmerican Family$2,710
WashingtonFarmers$2,922
WashingtonProgressive$4,841
WashingtonUSAA*$1,243
WisconsinTravelers$1,544
WisconsinErie Insurance$1,638
WisconsinNationwide$1,985
WisconsinGEICO$2,412
WisconsinState Farm$2,447
WisconsinFarmers$3,041
WisconsinAllstate$3,696
WisconsinProgressive$3,806
WisconsinUSAA*$1,419
West VirginiaNationwide$1,727
West VirginiaState Farm$1,735
West VirginiaErie Insurance$1,852
West VirginiaWestfield Insurance$2,880
West VirginiaProgressive$2,928
West VirginiaFarmers$2,997
West VirginiaAllstate$4,257
West VirginiaGEICO$4,468
West VirginiaUSAA*$1,755
WyomingAmerican National$1,362
WyomingState Farm$1,543
WyomingFarmers$2,204
WyomingAllstate$3,746
WyomingGEICO$3,947
WyomingUSAA*$1,384
*USAA is only available to military community members and their families.
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Cheapest companies for seniors with a DUI

For senior drivers with a DUI on their record, finding affordable car insurance can be challenging, but it’s not impossible. Many insurers offer competitive rates for older drivers, even with a DUI. 

Senior drivers need to shop around and compare quotes from different companies to ensure they get the best coverage at the most affordable price.

State nameCompanyAverage premium
AlaskaState Farm$1,670
AlaskaGEICO$2,363
AlaskaProgressive$2,398
AlaskaAllstate$3,440
AlaskaUSAA*$2,017
AlabamaState Farm$1,759
AlabamaTravelers$2,166
AlabamaNationwide$2,579
AlabamaProgressive$2,767
AlabamaAllstate$2,866
AlabamaGEICO$3,351
AlabamaAuto-Owners$3,788
AlabamaFarmers$5,023
AlabamaUSAA*$2,959
ArkansasState Farm$1,965
ArkansasTravelers$2,131
ArkansasProgressive$2,508
ArkansasGEICO$2,999
ArkansasNationwide$3,063
ArkansasAllstate$3,526
ArkansasFarmers$4,609
ArkansasUSAA*$1,955
ArizonaProgressive$2,184
ArizonaState Farm$2,187
ArizonaTravelers$2,315
ArizonaAuto-Owners$2,672
ArizonaGEICO$2,721
ArizonaNationwide$3,261
ArizonaAllstate$3,873
ArizonaFarmers$4,235
ArizonaCSAA Insurance (AAA)$5,250
ArizonaUSAA*$3,510
CaliforniaMercury Insurance$3,319
CaliforniaGEICO$4,627
CaliforniaTravelers$4,925
CaliforniaProgressive$5,209
CaliforniaAuto Club Enterprises (AAA)$6,827
CaliforniaNationwide$7,295
CaliforniaState Farm$7,564
CaliforniaCSAA Insurance (AAA)$9,064
CaliforniaAllstate$9,331
CaliforniaFarmers$11,879
CaliforniaUSAA*$5,526
ColoradoState Farm$1,844
ColoradoGEICO$2,648
ColoradoAllstate$3,121
ColoradoProgressive$3,208
ColoradoKemper$4,161
ColoradoAuto-Owners$4,258
ColoradoFarmers$6,733
ColoradoUSAA*$3,067
ConnecticutState Farm$1,716
ConnecticutProgressive$1,985
ConnecticutKemper$2,430
ConnecticutAllstate$2,963
ConnecticutNationwide$3,545
ConnecticutGEICO$4,413
ConnecticutFarmers$4,712
ConnecticutAmica$9,743
ConnecticutThe Hanover$22,274
ConnecticutUSAA*$1,237
Washington, D.C.Progressive$1,734
Washington, D.C.State Farm$2,392
Washington, D.C.Erie Insurance$2,473
Washington, D.C.GEICO$3,585
Washington, D.C.Allstate$4,777
Washington, D.C.Chubb$6,268
Washington, D.C.USAA*$2,094
DelawareState Farm$2,160
DelawareTravelers$2,646
DelawareProgressive$2,759
DelawareNationwide$2,813
DelawareGEICO$3,786
DelawareAllstate$4,676
DelawareSentry Insurance$4,783
DelawareAmerican Family$7,209
DelawareUSAA*$2,530
FloridaState Farm$2,100
FloridaProgressive$3,001
FloridaNational General$3,041
FloridaTravelers$3,531
FloridaGEICO$3,611
FloridaAllstate$4,376
FloridaNationwide$4,419
FloridaMercury Insurance$5,532
FloridaFarmers$7,695
GeorgiaState Farm$2,298
GeorgiaCountry Financial$2,460
GeorgiaProgressive$2,644
GeorgiaAllstate$2,681
GeorgiaAuto-Owners$3,010
GeorgiaMercury Insurance$3,276
GeorgiaGEICO$4,547
GeorgiaUSAA*$3,016
HawaiiProgressive$2,050
HawaiiState Farm$2,123
HawaiiFarmers$2,588
HawaiiAllstate$4,771
HawaiiGEICO$8,264
HawaiiIsland Insurance$15,070
HawaiiUSAA*$2,145
IowaState Farm$1,214
IowaProgressive$1,382
IowaTravelers$1,782
IowaAllstate$2,518
IowaGEICO$2,822
IowaAuto-Owners$3,274
IowaUSAA*$1,747
IdahoState Farm$1,098
IdahoTravelers$1,684
IdahoAuto-Owners$1,978
IdahoFarmers$2,064
IdahoAllstate$2,445
IdahoNationwide$3,042
IdahoGEICO$3,688
IdahoUSAA*$1,486
IllinoisState Farm$1,566
IllinoisProgressive$1,669
IllinoisTravelers$1,801
IllinoisAuto Club Group – ACG (AAA)$1,966
IllinoisErie Insurance$2,242
IllinoisAuto-Owners$2,512
IllinoisGEICO$3,121
IllinoisAllstate$4,140
IllinoisUSAA*$3,382
IndianaProgressive$1,776
IndianaState Farm$1,815
IndianaTravelers$1,964
IndianaGEICO$2,193
IndianaNationwide$2,538
IndianaAllstate$2,694
IndianaAuto-Owners$2,741
IndianaFarmers$3,618
IndianaUSAA*$1,144
KansasState Farm$1,795
KansasProgressive$1,931
KansasTravelers$2,148
KansasNationwide$2,489
KansasFarmers$3,056
KansasAllstate$3,790
KansasGEICO$5,658
KansasUSAA*$2,458
KentuckyState Farm$2,655
KentuckyTravelers$2,781
KentuckyProgressive$3,568
KentuckyAllstate$4,072
KentuckyAuto-Owners$4,214
KentuckyKentucky Farm Bureau$4,242
KentuckyGEICO$5,586
KentuckyFarmers$8,609
KentuckyUSAA*$2,761
LouisianaSouthern Farm Bureau$3,033
LouisianaProgressive$3,376
LouisianaState Farm$3,611
LouisianaSafeway Insurance$3,623
LouisianaAuto Club Enterprises (AAA)$4,775
LouisianaFarmers$6,328
LouisianaGEICO$7,089
LouisianaUSAA*$3,283
MassachusettsState Farm$951
MassachusettsGEICO$1,587
MassachusettsArbella Insurance$2,172
MassachusettsProgressive$2,353
MassachusettsTravelers$2,716
MassachusettsSafety Insurance$2,872
MassachusettsFarmers$3,511
MassachusettsAllstate$4,269
MassachusettsUSAA*$2,686
MarylandGEICO$1,678
MarylandErie Insurance$2,035
MarylandState Farm$2,324
MarylandProgressive$2,736
MarylandTravelers$3,070
MarylandNationwide$3,219
MarylandAllstate$4,057
MarylandKemper$4,912
MarylandUSAA*$2,717
MaineAuto-Owners$1,137
MaineTravelers$1,239
MaineProgressive$1,263
MaineState Farm$1,312
MaineAllstate$1,461
MaineFarmers$2,282
MaineGEICO$3,114
MaineFrankenmuth Insurance$6,379
MaineUSAA*$1,679
MichiganProgressive$2,198
MichiganAuto-Owners$4,450
MichiganAuto Club Group – ACG (AAA)$5,852
MichiganTravelers$6,170
MichiganState Farm$8,245
MichiganGEICO$10,747
MichiganUSAA*$2,721
MinnesotaState Farm$1,430
MinnesotaNationwide$2,031
MinnesotaTravelers$2,558
MinnesotaAuto-Owners$2,837
MinnesotaAllstate$4,062
MinnesotaGEICO$7,374
MinnesotaAuto Club Group – ACG (AAA)$8,395
MinnesotaUSAA*$2,364
MissouriProgressive$1,943
MissouriState Farm$1,976
MissouriTravelers$2,064
MissouriNationwide$2,559
MissouriAuto Club Enterprises (AAA)$3,136
MissouriAllstate$3,321
MissouriGEICO$5,852
MissouriUSAA*$1,787
MississippiState Farm$1,741
MississippiProgressive$2,408
MississippiTravelers$2,423
MississippiNationwide$2,739
MississippiAllstate$3,389
MississippiShelter Insurance$4,958
MississippiGEICO$7,046
MississippiUSAA*$2,326
MontanaState Farm$1,748
MontanaKemper$2,303
MontanaProgressive$2,554
MontanaAllstate$3,867
MontanaFarmers$5,126
MontanaGEICO$6,619
MontanaUSAA*$1,667
North CarolinaState Farm$4,301
North CarolinaErie Insurance$4,431
North CarolinaNationwide$5,089
North CarolinaGEICO$6,653
North CarolinaNorth Carolina Farm Bureau$6,954
North CarolinaProgressive$7,523
North CarolinaFarmers$7,658
North CarolinaAllstate$10,841
North DakotaAmerican Family$1,224
North DakotaProgressive$1,457
North DakotaState Farm$1,606
North DakotaNationwide$2,157
North DakotaAuto-Owners$2,660
North DakotaFarmers$3,512
North DakotaAllstate$4,082
North DakotaGEICO$8,872
North DakotaUSAA*$1,771
NebraskaProgressive$1,966
NebraskaAuto-Owners$2,156
NebraskaState Farm$2,196
NebraskaNationwide$2,199
NebraskaAllstate$2,935
NebraskaGEICO$8,218
NebraskaUSAA*$2,469
New HampshireThe Hanover$1,222
New HampshireAuto-Owners$1,378
New HampshireState Farm$1,405
New HampshireProgressive$1,515
New HampshireNationwide$2,454
New HampshireFarmers$2,649
New HampshireAllstate$2,806
New HampshireGEICO$2,946
New HampshireUSAA*$1,317
New JerseyNJM$1,512
New JerseyPlymouth Rock Assurance$2,197
New JerseyTravelers$2,787
New JerseyProgressive$3,101
New JerseyGEICO$3,197
New JerseyAllstate$3,375
New JerseyFarmers$4,023
New JerseyState Farm$8,181
New MexicoState Farm$1,632
New MexicoProgressive$1,761
New MexicoGEICO$3,093
New MexicoKemper$3,777
New MexicoNationwide$3,778
New MexicoAllstate$3,914
New MexicoIowa Farm Bureau$4,175
New MexicoFarmers$4,830
New MexicoUSAA*$2,039
NevadaState Farm$1,442
NevadaTravelers$3,182
NevadaAllstate$3,482
NevadaProgressive$3,544
NevadaAmerican Family$3,665
NevadaGEICO$4,199
NevadaFarmers$4,591
NevadaMercury Insurance$4,680
NevadaCSAA Insurance (AAA)$4,691
NevadaUSAA*$3,231
New YorkProgressive$996
New YorkState Farm$1,913
New YorkErie Insurance$2,742
New YorkAllstate$2,890
New YorkTravelers$3,122
New YorkGEICO$4,701
New YorkUSAA*$2,104
OhioErie Insurance$1,762
OhioProgressive$1,922
OhioAuto-Owners$2,096
OhioTravelers$2,136
OhioAllstate$2,436
OhioFarmers$3,398
OhioGEICO$3,595
OhioUSAA*$1,361
OklahomaProgressive$1,115
OklahomaState Farm$1,755
OklahomaShelter Insurance$2,730
OklahomaMercury Insurance$2,997
OklahomaGEICO$3,190
OklahomaAllstate$3,430
OklahomaOklahoma Farm Bureau$4,430
OklahomaFarmers$4,596
OklahomaUSAA*$2,548
OregonState Farm$1,475
OregonTravelers$2,074
OregonProgressive$2,102
OregonNationwide$2,817
OregonFarmers$3,705
OregonAllstate$3,912
OregonGEICO$4,141
OregonUSAA*$2,034
PennsylvaniaTravelers$1,198
PennsylvaniaErie Insurance$2,356
PennsylvaniaState Farm$2,380
PennsylvaniaProgressive$2,686
PennsylvaniaNationwide$2,739
PennsylvaniaGEICO$3,887
PennsylvaniaUSAA*$2,232
Rhode IslandProgressive$2,481
Rhode IslandAmerican Family$3,234
Rhode IslandNationwide$3,564
Rhode IslandTravelers$3,875
Rhode IslandAllstate$4,323
Rhode IslandFarmers$5,549
Rhode IslandGEICO$7,839
Rhode IslandAmica$9,108
Rhode IslandUSAA*$2,254
South CarolinaState Farm$2,070
South CarolinaProgressive$2,122
South CarolinaAuto-Owners$2,830
South CarolinaTravelers$2,905
South CarolinaAllstate$3,371
South CarolinaGEICO$4,812
South CarolinaUSAA*$2,530
South DakotaState Farm$1,849
South DakotaFarmers$2,418
South DakotaProgressive$2,851
South DakotaNationwide$2,966
South DakotaAllstate$3,236
South DakotaAuto-Owners$3,900
South DakotaGEICO$7,180
South DakotaUSAA*$3,429
TennesseeState Farm$1,643
TennesseeProgressive$1,925
TennesseeTravelers$2,241
TennesseeErie Insurance$2,330
TennesseeGEICO$2,889
TennesseeNationwide$3,140
TennesseeFarmers$3,434
TennesseeAllstate$4,089
TennesseeUSAA*$2,128
TexasGEICO$2,734
TexasState Farm$2,814
TexasAuto Club Enterprises (AAA)$3,074
TexasNationwide$3,174
TexasProgressive$3,290
TexasAllstate$4,188
TexasUSAA*$2,522
UtahProgressive$1,993
UtahState Farm$2,119
UtahNationwide$2,363
UtahGEICO$2,736
UtahAllstate$3,087
UtahAuto-Owners$3,600
UtahFarmers$4,926
UtahUSAA*$2,247
VirginiaState Farm$1,439
VirginiaTravelers$1,828
VirginiaErie Insurance$1,948
VirginiaAuto-Owners$2,226
VirginiaProgressive$2,630
VirginiaGEICO$2,859
VirginiaAllstate$2,940
VirginiaFarmers$8,690
VirginiaUSAA*$2,076
VermontProgressive$1,097
VermontState Farm$1,100
VermontAuto-Owners$1,647
VermontNationwide$1,682
VermontAllstate$2,519
VermontGEICO$3,336
VermontFarmers$3,675
VermontVermont Mutual$5,155
VermontUSAA*$1,515
WashingtonState Farm$1,775
WashingtonGEICO$2,136
WashingtonAmerican Family$2,255
WashingtonTravelers$2,255
WashingtonAllstate$2,308
WashingtonFarmers$2,957
WashingtonNationwide$3,260
WashingtonProgressive$3,269
WashingtonUSAA*$1,740
WisconsinTravelers$1,664
WisconsinErie Insurance$1,936
WisconsinProgressive$2,178
WisconsinState Farm$2,262
WisconsinNationwide$2,664
WisconsinGEICO$2,802
WisconsinAllstate$2,908
WisconsinFarmers$4,040
WisconsinUSAA*$1,649
West VirginiaState Farm$1,614
West VirginiaNationwide$2,170
West VirginiaErie Insurance$2,345
West VirginiaProgressive$2,500
West VirginiaAllstate$4,068
West VirginiaFarmers$4,589
West VirginiaWestfield Insurance$4,797
West VirginiaGEICO$4,979
West VirginiaUSAA*$1,997
WyomingState Farm$1,437
WyomingAmerican National$1,543
WyomingAllstate$3,387
WyomingFarmers$3,528
WyomingGEICO$6,620
WyomingUSAA*$1,930
*USAA is only available to military community members and their families.
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Cheapest companies for seniors with tickets

Even minor traffic tickets can raise your insurance rates. Some insurers offer discounts to help offset this increase. Taking a defensive driving course can also help lower your rates, as many companies offer discounts for completing such courses. Seniors may find more affordable options with these insurers:

State nameCompanyAverage premium
AlaskaState Farm$1,670
AlaskaGEICO$2,227
AlaskaProgressive$2,774
AlaskaAllstate$2,896
AlaskaUSAA*$1,398
AlabamaState Farm$1,759
AlabamaNationwide$1,808
AlabamaTravelers$1,996
AlabamaAllstate$2,366
AlabamaAuto-Owners$2,572
AlabamaGEICO$2,852
AlabamaProgressive$2,959
AlabamaFarmers$3,854
AlabamaUSAA*$1,614
ArkansasState Farm$1,965
ArkansasTravelers$2,160
ArkansasNationwide$2,201
ArkansasGEICO$2,647
ArkansasProgressive$2,991
ArkansasAllstate$3,076
ArkansasFarmers$3,605
ArkansasUSAA*$1,204
ArizonaState Farm$2,187
ArizonaTravelers$2,214
ArizonaGEICO$2,322
ArizonaNationwide$2,329
ArizonaProgressive$2,577
ArizonaAuto-Owners$2,672
ArizonaFarmers$2,897
ArizonaAllstate$3,530
ArizonaCSAA Insurance (AAA)$3,908
ArizonaUSAA*$1,902
CaliforniaMercury Insurance$2,655
CaliforniaGEICO$2,869
CaliforniaAuto Club Enterprises (AAA)$3,103
CaliforniaCSAA Insurance (AAA)$3,187
CaliforniaState Farm$3,249
CaliforniaProgressive$3,314
CaliforniaAllstate$3,419
CaliforniaTravelers$3,481
CaliforniaFarmers$4,005
CaliforniaNationwide$4,767
CaliforniaUSAA*$2,167
ColoradoState Farm$1,844
ColoradoKemper$2,522
ColoradoGEICO$2,606
ColoradoAllstate$2,695
ColoradoAuto-Owners$2,965
ColoradoProgressive$3,469
ColoradoFarmers$5,810
ColoradoUSAA*$1,824
ConnecticutGEICO$1,372
ConnecticutState Farm$1,716
ConnecticutProgressive$2,026
ConnecticutKemper$2,393
ConnecticutFarmers$2,493
ConnecticutNationwide$3,545
ConnecticutAmica$4,317
ConnecticutThe Hanover$5,132
ConnecticutUSAA*$702
Washington, D.C.Erie Insurance$1,685
Washington, D.C.Progressive$1,915
Washington, D.C.State Farm$2,392
Washington, D.C.GEICO$2,949
Washington, D.C.Chubb$3,062
Washington, D.C.Allstate$4,341
Washington, D.C.USAA*$1,442
DelawareNationwide$2,109
DelawareState Farm$2,160
DelawareTravelers$2,275
DelawareGEICO$2,584
DelawareProgressive$2,707
DelawareAmerican Family$2,880
DelawareAllstate$3,881
DelawareSentry Insurance$5,702
DelawareUSAA*$1,794
FloridaState Farm$2,100
FloridaNationwide$3,156
FloridaTravelers$3,353
FloridaGEICO$3,493
FloridaProgressive$3,555
FloridaNational General$3,836
FloridaMercury Insurance$4,557
FloridaFarmers$5,020
GeorgiaAuto-Owners$2,009
GeorgiaCountry Financial$2,181
GeorgiaAllstate$2,247
GeorgiaState Farm$2,298
GeorgiaProgressive$2,302
GeorgiaGEICO$3,027
GeorgiaMercury Insurance$3,646
GeorgiaUSAA*$1,834
HawaiiProgressive$1,685
HawaiiFarmers$1,809
HawaiiState Farm$2,123
HawaiiAllstate$2,625
HawaiiIsland Insurance$9,307
HawaiiUSAA*$1,116
IowaState Farm$1,214
IowaTravelers$1,705
IowaProgressive$1,730
IowaAllstate$2,088
IowaAuto-Owners$2,351
IowaGEICO$2,415
IowaUSAA*$1,317
IdahoState Farm$1,098
IdahoAuto-Owners$1,309
IdahoGEICO$1,384
IdahoTravelers$1,611
IdahoFarmers$1,915
IdahoAllstate$2,103
IdahoNationwide$2,234
IdahoUSAA*$896
IllinoisAuto Club Group – ACG (AAA)$1,117
IllinoisErie Insurance$1,548
IllinoisState Farm$1,566
IllinoisTravelers$1,638
IllinoisProgressive$1,958
IllinoisAuto-Owners$2,096
IllinoisGEICO$2,355
IllinoisAllstate$3,446
IllinoisUSAA*$2,022
IndianaState Farm$1,575
IndianaAuto-Owners$1,841
IndianaNationwide$1,865
IndianaTravelers$1,878
IndianaGEICO$2,091
IndianaProgressive$2,245
IndianaAllstate$2,685
IndianaFarmers$2,716
IndianaUSAA*$919
KansasNationwide$1,373
KansasState Farm$1,795
KansasTravelers$1,909
KansasGEICO$2,031
KansasFarmers$2,188
KansasProgressive$2,257
KansasAllstate$3,176
KansasUSAA*$1,266
KentuckyAuto-Owners$2,448
KentuckyTravelers$2,654
KentuckyState Farm$2,655
KentuckyProgressive$3,433
KentuckyAllstate$3,621
KentuckyGEICO$3,632
KentuckyKentucky Farm Bureau$4,242
KentuckyFarmers$6,118
KentuckyUSAA*$2,149
LouisianaSouthern Farm Bureau$2,639
LouisianaSafeway Insurance$2,809
LouisianaState Farm$3,611
LouisianaProgressive$4,053
LouisianaFarmers$4,419
LouisianaAuto Club Enterprises (AAA)$4,602
LouisianaGEICO$6,181
LouisianaUSAA*$2,628
MassachusettsState Farm$595
MassachusettsGEICO$971
MassachusettsSafety Insurance$1,604
MassachusettsFarmers$2,084
MassachusettsProgressive$2,549
MassachusettsTravelers$2,593
MassachusettsUSAA*$1,282
MarylandGEICO$1,702
MarylandNationwide$1,940
MarylandErie Insurance$2,035
MarylandState Farm$2,324
MarylandProgressive$2,447
MarylandTravelers$2,915
MarylandKemper$2,921
MarylandAllstate$4,214
MarylandUSAA*$1,216
MaineAuto-Owners$784
MaineAllstate$1,186
MaineTravelers$1,187
MaineState Farm$1,312
MaineProgressive$1,462
MaineFrankenmuth Insurance$1,799
MaineGEICO$1,806
MaineFarmers$2,099
MaineUSAA*$935
MichiganGEICO$2,208
MichiganProgressive$2,333
MichiganAuto-Owners$2,711
MichiganTravelers$2,841
MichiganAuto Club Group – ACG (AAA)$4,421
MichiganState Farm$5,050
MichiganUSAA*$2,073
MinnesotaState Farm$1,430
MinnesotaNationwide$1,585
MinnesotaAuto-Owners$1,917
MinnesotaTravelers$2,243
MinnesotaAuto Club Group – ACG (AAA)$2,923
MinnesotaAllstate$3,292
MinnesotaGEICO$3,410
MinnesotaUSAA*$1,568
MissouriNationwide$1,825
MissouriTravelers$1,971
MissouriState Farm$1,976
MissouriProgressive$2,149
MissouriAllstate$2,881
MissouriAuto Club Enterprises (AAA)$3,019
MissouriGEICO$3,582
MissouriUSAA*$1,195
MississippiState Farm$1,741
MississippiNationwide$2,026
MississippiTravelers$2,320
MississippiShelter Insurance$2,650
MississippiProgressive$2,654
MississippiAllstate$2,722
MississippiGEICO$2,822
MississippiUSAA*$1,557
MontanaState Farm$1,748
MontanaKemper$2,699
MontanaGEICO$2,747
MontanaProgressive$2,979
MontanaAllstate$3,147
MontanaFarmers$4,657
MontanaUSAA*$1,115
North CarolinaState Farm$1,613
North CarolinaErie Insurance$1,647
North CarolinaNorth Carolina Farm Bureau$1,660
North CarolinaNationwide$1,920
North CarolinaGEICO$2,352
North CarolinaProgressive$2,836
North CarolinaFarmers$2,856
North CarolinaAllstate$4,001
North DakotaAmerican Family$1,224
North DakotaNationwide$1,546
North DakotaState Farm$1,606
North DakotaProgressive$1,643
North DakotaAuto-Owners$1,879
North DakotaFarmers$2,243
North DakotaAllstate$2,502
North DakotaUSAA*$890
NebraskaNationwide$1,270
NebraskaAuto-Owners$1,699
NebraskaState Farm$2,196
NebraskaProgressive$2,386
NebraskaAllstate$2,476
NebraskaGEICO$2,527
NebraskaUSAA*$1,485
New HampshireAuto-Owners$906
New HampshireProgressive$1,765
New HampshireNationwide$1,779
New HampshireFarmers$2,234
New HampshireGEICO$2,437
New HampshireAllstate$2,544
New HampshireUSAA*$933
New JerseyNJM$1,512
New JerseyPlymouth Rock Assurance$2,258
New JerseyTravelers$2,539
New JerseyAllstate$3,189
New JerseyProgressive$3,460
New JerseyFarmers$3,570
New JerseyState Farm$4,180
New MexicoState Farm$1,632
New MexicoProgressive$1,994
New MexicoNationwide$2,313
New MexicoGEICO$2,612
New MexicoIowa Farm Bureau$2,906
New MexicoAllstate$3,133
New MexicoKemper$3,602
New MexicoFarmers$3,873
New MexicoUSAA*$1,279
NevadaState Farm$1,442
NevadaAllstate$2,839
NevadaAmerican Family$2,857
NevadaTravelers$3,025
NevadaFarmers$3,035
NevadaProgressive$3,215
NevadaMercury Insurance$3,523
NevadaGEICO$4,021
NevadaCSAA Insurance (AAA)$4,395
NevadaUSAA*$1,881
New YorkProgressive$1,132
New YorkState Farm$1,913
New YorkErie Insurance$2,105
New YorkGEICO$2,419
New YorkAllstate$2,511
New YorkTravelers$3,040
New YorkUSAA*$1,630
OhioErie Insurance$1,192
OhioAuto-Owners$1,371
OhioTravelers$2,042
OhioAllstate$2,201
OhioProgressive$2,396
OhioFarmers$2,725
OhioGEICO$2,955
OhioUSAA*$1,138
OklahomaProgressive$1,327
OklahomaState Farm$1,755
OklahomaShelter Insurance$2,199
OklahomaAllstate$2,905
OklahomaFarmers$3,241
OklahomaOklahoma Farm Bureau$3,291
OklahomaMercury Insurance$3,397
OklahomaGEICO$3,416
OklahomaUSAA*$1,708
OregonState Farm$1,475
OregonTravelers$1,976
OregonNationwide$2,037
OregonProgressive$2,318
OregonFarmers$2,760
OregonAllstate$3,456
OregonGEICO$3,593
OregonUSAA*$1,560
PennsylvaniaTravelers$1,047
PennsylvaniaErie Insurance$1,622
PennsylvaniaNationwide$1,931
PennsylvaniaState Farm$2,380
PennsylvaniaGEICO$3,494
PennsylvaniaUSAA*$1,861
Rhode IslandNationwide$2,652
Rhode IslandProgressive$2,744
Rhode IslandAmerican Family$3,100
Rhode IslandTravelers$3,414
Rhode IslandAllstate$3,583
Rhode IslandGEICO$3,848
Rhode IslandFarmers$4,398
Rhode IslandAmica$4,679
Rhode IslandUSAA*$1,385
South CarolinaAuto-Owners$1,989
South CarolinaState Farm$2,070
South CarolinaProgressive$2,306
South CarolinaTravelers$2,778
South CarolinaAllstate$3,188
South CarolinaUSAA*$1,690
South DakotaState Farm$1,849
South DakotaAllstate$2,078
South DakotaNationwide$2,130
South DakotaFarmers$2,337
South DakotaGEICO$2,408
South DakotaAuto-Owners$3,008
South DakotaProgressive$3,218
South DakotaUSAA*$2,054
TennesseeErie Insurance$1,585
TennesseeState Farm$1,643
TennesseeProgressive$2,000
TennesseeTravelers$2,146
TennesseeNationwide$2,249
TennesseeFarmers$2,662
TennesseeGEICO$2,810
TennesseeAllstate$3,314
TennesseeUSAA*$1,317
TexasNationwide$1,701
TexasGEICO$2,427
TexasAuto Club Enterprises (AAA)$2,756
TexasProgressive$3,871
TexasUSAA*$1,891
UtahNationwide$1,243
UtahAuto-Owners$1,754
UtahState Farm$2,119
UtahProgressive$2,282
UtahAllstate$2,525
UtahGEICO$2,910
UtahFarmers$3,455
UtahUSAA*$1,503
VirginiaErie Insurance$1,340
VirginiaState Farm$1,439
VirginiaTravelers$1,757
VirginiaAuto-Owners$2,226
VirginiaGEICO$2,422
VirginiaAllstate$2,582
VirginiaProgressive$2,731
VirginiaFarmers$3,771
VirginiaUSAA*$1,335
VermontState Farm$1,100
VermontAuto-Owners$1,125
VermontNationwide$1,259
VermontGEICO$1,262
VermontProgressive$1,282
VermontVermont Mutual$1,871
VermontAllstate$2,114
VermontFarmers$2,615
VermontUSAA*$852
WashingtonState Farm$1,775
WashingtonFarmers$1,872
WashingtonAllstate$1,928
WashingtonGEICO$2,040
WashingtonTravelers$2,152
WashingtonAmerican Family$2,255
WashingtonNationwide$2,572
WashingtonProgressive$3,450
WashingtonUSAA*$985
WisconsinErie Insurance$1,340
WisconsinTravelers$1,589
WisconsinNationwide$1,928
WisconsinState Farm$2,262
WisconsinGEICO$2,453
WisconsinAllstate$2,627
WisconsinProgressive$2,707
WisconsinFarmers$2,964
WisconsinUSAA*$1,048
West VirginiaState Farm$1,614
West VirginiaNationwide$1,670
West VirginiaErie Insurance$1,723
West VirginiaProgressive$2,370
West VirginiaAllstate$3,347
West VirginiaFarmers$3,422
West VirginiaGEICO$4,768
West VirginiaUSAA*$1,272
WyomingAmerican National$1,171
WyomingState Farm$1,437
WyomingFarmers$2,184
WyomingAllstate$3,120
WyomingGEICO$5,162
WyomingUSAA*$1,204
*USAA is only available to military community members and their families.
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Factors that affect auto insurance rates for seniors 

Most insurance companies consider age, gender and perceived risk when determining car insurance premiums. When it comes to senior car insurance, age becomes a risk factor similar to that of teen drivers, but for different reasons. Increased age may cause a decline in driving skills and reflexes. It’s important to know that some states, such as California, Hawaii and Massachusetts, restrict insurance increases based on age.

Hawaii, Massachusetts, Michigan and Montana don’t allow marital status as a rating factor. And, other states, like Pennsylvania, have rules in place to keep a “widow’s penalty” from occurring.

Some additional factors that impact senior auto insurance rates include:

  • Annual mileage: How much you drive impacts your premium. This is due to a reduced risk to your insurer if you drive under 7,500 miles or start to drive less. Remember to discuss this discount with your insurer. 
  • Credit history: Again, insurance companies set premiums from assessed risk. If your credit history isn’t in the best shape, insurers may deem you have risky behaviors and increase your premiums. Remember to discuss ways you can decrease your rate with your insurer if your credit history is creating an uptick in your premium. 
  • Driving experience and record: Your driving record is important to car insurance companies, including how long you’ve been driving, claims you’ve received and traffic offenses you’ve committed. The more you have on your record, the higher your premiums can be. However, you can also receive discounts for having a clean record and being claims-free for at least three years. 
  • Insurance coverage: The more coverage you opt for, the more you will pay for your premiums. We recommend 100/300/100 liability coverage, which will cost you more annually but can save you quite a bit in an accident. If you want to save money, raise your deductible instead. Your deductible is what you pay out of pocket before your insurance policy kicks in.
  • Vehicle type: The make, model, safety features and cost of your vehicle are factored into your insurance premium. For example, if you drive a high-priced and desired vehicle that may have an increased risk for theft, your premium likely will be more expensive. The cost of repairs and parts should you be in an accident will also be a consideration factor for your car insurance rate. 

Low-mileage car insurance for seniors

As a senior driver, you may find that you’re driving less frequently than you used to. Lower mileage can translate into significant savings on your car insurance, Whether due to retirement, reduced commuting, or simply a preference for staying closer to home.

Insurance companies often consider mileage as a key factor in determining premiums. The less you drive, the lower your risk of an accident. This reduced risk can lead to discounted rates on your insurance policy.

Below are the insurers that provide affordable car insurance options for senior drivers, tailored to their annual mileage.

State nameCompanyAverage premium (Lower annual mileage)Rates under 7,500 mileageRates for 7,500-9,999 mileageRates for 10,000-11,999 mileageRates for 12,000-14,999 mileage
AlaskaGEICO$1,598$1,583$1,583$1,594$1,632
AlaskaState Farm$2,054$2,054
AlaskaProgressive$2,598$2,551$2,604$2,612$2,624
AlaskaUSAA*$1,434$1,362$1,399$1,459$1,518
AlabamaState Farm$1,812$1,812
AlabamaGEICO$2,060$2,039$2,039$2,057$2,105
AlabamaProgressive$2,107$2,058$2,104$2,120$2,147
ArkansasTravelers$1,383$1,330$1,353$1,401$1,447
ArkansasShelter Insurance$1,979$1,937$1,966$1,992$2,020
ArkansasState Farm$2,063$2,063
ArkansasGEICO$2,533$2,507$2,507$2,529$2,590
ArkansasAuto Club Enterprises (AAA)$2,769$2,733$2,773$2,773$2,795
ArizonaTravelers$1,548$1,506$1,524$1,561$1,598
ArizonaProgressive$1,934$1,905$1,931$1,945$1,953
ArizonaGEICO$2,215$2,193$2,193$2,216$2,260
ArizonaThe Hartford$2,395$2,212$2,306$2,531$2,531
ArizonaState Farm$2,446$2,446
ArizonaCSAA Insurance (AAA)$5,611$5,611$5,611
CaliforniaGEICO$1,947$1,853$1,892$1,954$2,089
CaliforniaMercury Insurance$2,044$1,930$2,011$2,093$2,144
CaliforniaProgressive$2,315$2,161$2,241$2,379$2,480
CaliforniaAllstate$2,393$2,242$2,288$2,428$2,615
CaliforniaWawanesa Insurance$2,393$2,280$2,339$2,442$2,512
CaliforniaAuto Club Enterprises (AAA)$2,503$2,372$2,513$2,513$2,614
CaliforniaState Farm$2,811$2,640$2,758$2,893$2,955
CaliforniaTravelers$2,950$2,757$2,838$3,034$3,171
CaliforniaNationwide$3,133$2,856$3,006$3,273$3,399
CaliforniaKemper$3,378$3,266$3,279$3,403$3,566
CaliforniaCSAA Insurance (AAA)$3,431$3,242$3,336$3,498$3,647
CaliforniaFarmers$3,832$3,509$3,641$3,952$4,225
ColoradoAmerican National$1,352$1,352
ColoradoProgressive$2,557$2,492$2,556$2,577$2,604
ColoradoState Farm$2,808$2,808
ColoradoCalifornia Casualty$2,816$2,500$2,651$2,930$3,182
ColoradoGEICO$2,942$2,908$2,908$2,940$3,014
ColoradoUSAA*$2,236$2,113$2,169$2,280$2,383
ConnecticutState Farm$2,606$2,606
ConnecticutThe Hanover$7,668$7,391$7,511$7,703$8,066
ConnecticutUSAA*$2,143$2,095$2,136$2,199
Washington, D.C.GEICO$2,453$2,427$2,427$2,449$2,511
Washington, D.C.State Farm$3,266$3,266
Washington, D.C.Allstate$5,560$5,446$5,498$5,547$5,749
Washington, D.C.USAA*$1,091$1,051$1,070$1,153
DelawareState Farm$2,303$2,303
DelawareProgressive$2,426$2,386$2,421$2,434$2,461
DelawareGEICO$2,976$2,947$2,947$2,974$3,035
DelawareDonegal Insurance$3,262$3,120$3,183$3,309$3,436
DelawareAllstate$5,509$5,346$5,446$5,546$5,697
DelawareUSAA*$1,646$1,609$1,640$1,688
FloridaGEICO$2,475$2,394$2,428$2,498$2,581
FloridaState Farm$2,716$2,716
FloridaAllstate$7,043$6,742$6,960$7,146$7,326
GeorgiaCentral Insurance$2,622$2,464$2,536$2,675$2,815
GeorgiaState Farm$3,620$3,620
GeorgiaAllstate$4,285$4,024$4,131$4,364$4,620
GeorgiaUSAA*$1,977$1,877$1,934$2,010$2,086
IowaPekin Insurance$1,337$1,272$1,272$1,342$1,463
IowaProgressive$1,412$1,383$1,403$1,419$1,444
IowaState Farm$1,427$1,427
IowaIowa Farm Bureau$1,564$1,564
IowaGEICO$1,704$1,683$1,683$1,700$1,749
IowaAuto-Owners$2,017$2,017$2,017$2,017
IowaAllstate$3,215$3,118$3,208$3,208$3,326
IdahoState Farm$1,018$1,018
IllinoisTravelers$1,274$1,225$1,247$1,290$1,334
IllinoisGEICO$1,729$1,709$1,709$1,727$1,770
IllinoisErie Insurance$1,907$1,907$1,907$1,907$1,907
IllinoisProgressive$2,025$1,997$2,025$2,033$2,046
IllinoisAuto Club Group – ACG (AAA)$2,039$2,039$2,039
IllinoisState Farm$2,373$2,373
IllinoisPekin Insurance$4,639$4,424$4,424$4,646$5,064
IndianaTravelers$1,200$1,153$1,174$1,216$1,257
IndianaProgressive$1,584$1,562$1,580$1,590$1,606
IndianaGEICO$1,612$1,595$1,595$1,608$1,649
IndianaIndiana Farmers Insurance$1,792$1,783$1,783$1,800$1,800
IndianaState Farm$2,075$2,075
KansasProgressive$1,735$1,693$1,726$1,747$1,775
KansasShelter Insurance$1,867$1,805$1,832$1,902$1,930
KansasIowa Farm Bureau$2,208$2,208
KansasState Farm$2,271$2,271
KansasAllstate$4,607$4,489$4,531$4,617$4,790
KansasUSAA*$1,168$1,104$1,138$1,189$1,241
KentuckyShelter Insurance$1,961$1,917$1,947$1,975$2,004
KentuckyKentucky Farm Bureau$2,267$2,267
KentuckyState Farm$2,351$2,351
KentuckyProgressive$2,749$2,693$2,744$2,764$2,793
LouisianaProgressive$4,162$3,987$4,130$4,190$4,342
LouisianaGEICO$4,993$4,934$4,934$5,000$5,105
LouisianaState Farm$5,037$5,037
LouisianaAuto Club Enterprises (AAA)$6,995$6,688$7,091$7,091$7,110
LouisianaUSAA*$3,102$2,973$3,044$3,145$3,247
MassachusettsState Farm$662$662
MassachusettsGEICO$1,503$1,488$1,492$1,492$1,540
MassachusettsSafety Insurance$1,743$1,662$1,797$1,792$1,438
MassachusettsN&D Group$2,040$1,876$1,952$2,111$2,221
MassachusettsArbella Insurance$2,119$2,070$2,168
MassachusettsTravelers$2,158$2,071$2,110$2,188$2,263
MassachusettsThe Hanover$2,243$2,243
MassachusettsQuincy Mutual$2,319$2,234$2,327$2,327$2,389
MassachusettsFarmers$2,324$2,324
MassachusettsProgressive$2,345$2,304$2,339$2,359$2,377
MassachusettsVermont Mutual$2,513$2,513
MassachusettsAllstate$2,593$2,593
MassachusettsAmica$2,836$2,836
MarylandErie Insurance$2,073$2,073$2,073$2,073$2,073
MarylandProgressive$2,669$2,632$2,666$2,680$2,699
MarylandState Farm$2,680$2,680
MarylandAllstate$6,338$6,206$6,382$6,382$6,382
MarylandUSAA*$1,500$1,439$1,470$1,520$1,570
MaineTravelers$717$691$702$725$749
MaineAuto-Owners$1,060$1,060$1,060$1,060
MaineState Farm$1,790$1,790
MaineAllstate$2,113$2,070$2,089$2,108$2,183
MichiganGEICO$2,059$2,059
MichiganProgressive$3,004$2,924$2,979$3,038$3,077
MichiganTravelers$3,032$3,032$3,032$3,032$3,032
MichiganState Farm$5,068$5,068
MichiganPioneer State Mutual$5,158$4,798$4,942$5,339$5,554
MichiganThe Hanover$12,042$11,963$11,963$11,963$12,279
MinnesotaAuto Club Group – ACG (AAA)$1,803$1,803$1,803
MinnesotaState Farm$2,173$2,173
MinnesotaWestern National Insurance$3,538$3,516$3,516$3,559$3,559
MinnesotaAllstate$3,901$3,814$3,852$3,891$4,047
MissouriTravelers$1,421$1,374$1,395$1,437$1,480
MissouriShelter Insurance$2,276$2,202$2,234$2,317$2,350
MissouriProgressive$2,606$2,501$2,588$2,624$2,711
MissouriState Farm$2,625$2,625
MissouriAuto Club Enterprises (AAA)$3,724$3,637$3,750$3,750$3,760
MissouriGEICO$5,020$4,964$4,964$5,016$5,135
MissouriUSAA*$1,168$1,105$1,138$1,189$1,242
MississippiTravelers$1,593$1,550$1,569$1,608$1,646
MississippiState Farm$1,771$1,771
MississippiProgressive$2,235$2,181$2,223$2,248$2,287
MississippiShelter Insurance$2,262$2,198$2,226$2,298$2,327
MississippiGEICO$2,788$2,788
MontanaState Farm$1,469$1,469
MontanaProgressive$2,613$2,567$2,595$2,623$2,668
MontanaAllstate$3,354$3,354
MontanaUSAA*$1,106$1,081$1,102$1,135
North CarolinaProgressive$1,223$1,237$1,220$1,197
North DakotaAmerican Family$1,152$1,138$1,147$1,157$1,167
North DakotaProgressive$1,434$1,389$1,424$1,444$1,478
North DakotaNodak Insurance$1,835$1,835
North DakotaState Farm$1,842$1,842
North DakotaAllstate$2,947$2,888$2,915$2,941$3,045
NebraskaProgressive$1,761$1,704$1,746$1,773$1,820
NebraskaShelter Insurance$1,880$1,819$1,845$1,914$1,941
NebraskaState Farm$2,031$2,031
NebraskaAuto Club Group – ACG (AAA)$2,683$2,683$2,683
NebraskaAllstate$3,297$3,237$3,237$3,297$3,417
NebraskaUSAA*$1,641$1,560$1,597$1,668$1,740
New HampshireThe Hanover$960$956$956$956$971
New HampshireAuto-Owners$1,258$1,258$1,258$1,258
New HampshireProgressive$1,372$1,352$1,368$1,377$1,392
New HampshireGEICO$1,612$1,595$1,595$1,609$1,650
New HampshireState Farm$1,652$1,652
New HampshireAllstate$2,968$2,900$2,925$2,974$3,073
New JerseySelective Insurance$1,738$1,695$1,695$1,780$1,780
New JerseyGEICO$1,739$1,739
New JerseyNJM$2,047$2,011$2,011$2,082$2,082
New JerseyProgressive$3,114$3,040$3,098$3,144$3,176
New JerseyState Farm$3,416$3,416
New JerseyAllstate$3,681$3,681
New MexicoCentral Insurance$2,043$1,920$1,975$2,083$2,194
New MexicoGEICO$2,102$2,081$2,081$2,102$2,146
New MexicoProgressive$2,206$2,167$2,206$2,218$2,235
New MexicoState Farm$2,243$2,243
New MexicoIowa Farm Bureau$2,817$2,817
New MexicoAllstate$3,949$3,896$3,896$3,932$4,074
New MexicoUSAA*$1,176$1,115$1,148$1,193$1,248
NevadaTravelers$2,055$2,000$2,024$2,074$2,124
NevadaAmerican Family$3,155$3,073$3,123$3,182$3,240
NevadaState Farm$3,350$3,350
NevadaProgressive$3,605$3,487$3,614$3,640$3,680
NevadaGEICO$4,465$4,419$4,419$4,475$4,546
NevadaAllstate$4,820$4,506$4,635$4,915$5,224
New YorkNYCM Insurance$1,288$1,293$1,270
New YorkGEICO$3,243$3,243
New YorkState Farm$3,282$3,282
New YorkErie Insurance$4,471$4,471$4,471$4,471$4,471
New YorkTravelers$4,924$4,790$4,848$4,968$5,089
New YorkAllstate$5,641$5,535$5,642$5,642$5,747
New YorkThe Hanover$7,002$6,494$6,747$7,190$7,579
OhioErie Insurance$1,262$1,262$1,262$1,262$1,262
OhioGrange Insurance$1,325$1,286$1,303$1,338$1,373
OhioTravelers$1,354$1,299$1,324$1,373$1,422
OhioProgressive$1,469$1,431$1,456$1,472$1,514
OhioGEICO$1,864$1,845$1,845$1,860$1,907
OhioAllstate$2,777$2,607$2,677$2,828$2,995
OklahomaShelter Insurance$2,339$2,294$2,324$2,353$2,384
OklahomaState Farm$2,372$2,372
OklahomaProgressive$2,832$2,734$2,812$2,849$2,934
OklahomaGEICO$3,340$3,309$3,309$3,333$3,408
OregonTravelers$1,347$1,295$1,318$1,365$1,411
OregonProgressive$1,925$1,892$1,921$1,934$1,954
OregonState Farm$1,974$1,974
OregonGEICO$2,186$2,165$2,165$2,184$2,230
PennsylvaniaTravelers$1,640$1,597$1,615$1,654$1,692
PennsylvaniaErie Insurance$2,256$2,256$2,256$2,256$2,256
PennsylvaniaState Farm$3,004$3,004
PennsylvaniaGEICO$3,701$3,575$3,591$3,708$3,931
PennsylvaniaDonegal Insurance$3,759$3,598$3,669$3,813$3,956
PennsylvaniaAllstate$4,755$4,536$4,631$4,829$5,024
PennsylvaniaUSAA*$2,841$2,716$2,771$2,882$2,993
Rhode IslandState Farm$1,937$1,937
Rhode IslandAmerican Family$3,322$3,172$3,235$3,387$3,493
Rhode IslandGEICO$3,881$3,881
Rhode IslandQuincy Mutual$3,895$3,712$3,712$4,079$4,079
Rhode IslandAllstate$4,411$4,411
South CarolinaAmerican National$883$883
South CarolinaProgressive$1,775$1,713$1,761$1,786$1,841
South CarolinaAuto-Owners$1,780$1,780$1,780$1,780
South CarolinaGEICO$2,065$2,065
South CarolinaState Farm$2,571$2,571
South CarolinaAllstate$3,251$3,251
South CarolinaUSAA*$1,593$1,514$1,559$1,619$1,679
South DakotaState Farm$1,819$1,819
South DakotaAllstate$2,532$2,472$2,516$2,516$2,626
South DakotaProgressive$2,579$2,501$2,548$2,598$2,668
South DakotaGEICO$3,120$3,120
TennesseeTravelers$1,377$1,324$1,348$1,394$1,441
TennesseeErie Insurance$1,692$1,692$1,692$1,692$1,692
TennesseeProgressive$2,092$2,030$2,075$2,101$2,163
TennesseeState Farm$2,304$2,304
TennesseeGEICO$2,459$2,432$2,432$2,455$2,518
TexasRedpoint Insurance$1,659$1,541$1,541$1,777$1,777
TexasProgressive$2,851$2,789$2,849$2,865$2,900
TexasAuto Club Enterprises (AAA)$3,109$2,906$3,122$3,122$3,284
TexasChubb$3,889$3,670$3,771$3,965$4,152
TexasUSAA*$1,919$1,828$1,883$1,937$2,028
UtahProgressive$2,137$2,089$2,134$2,151$2,173
UtahGEICO$2,558$2,532$2,532$2,558$2,611
UtahUnited Insurance Co$2,867$2,833$2,843$2,875$2,918
UtahState Farm$3,972$3,972
UtahUSAA*$1,446$1,375$1,416$1,470$1,524
VirginiaTravelers$1,191$1,143$1,165$1,207$1,249
VirginiaVirginia Farm Bureau$1,404$1,388$1,393$1,407$1,426
VirginiaErie Insurance$1,525$1,525$1,525$1,525$1,525
VirginiaGEICO$1,694$1,677$1,677$1,692$1,730
VirginiaProgressive$1,966$1,939$1,965$1,975$1,985
VirginiaState Farm$2,100$2,100
VirginiaAllstate$3,539$3,323$3,412$3,604$3,815
VirginiaUSAA*$1,218$1,144$1,201$1,235$1,293
VermontState Farm$1,049$1,049
VermontAuto-Owners$1,439$1,439$1,439$1,439
VermontAllstate$2,372$2,372
WashingtonState Farm$1,868$1,868
WashingtonAmerican Family$2,311$2,280$2,301$2,321$2,342
WashingtonGEICO$2,505$2,470$2,470$2,531$2,550
WashingtonPEMCO$2,605$2,536$2,592$2,624$2,667
WisconsinTravelers$1,031$991$1,009$1,045$1,080
WisconsinSecura Insurance$1,254$1,254$1,254$1,254
WisconsinErie Insurance$1,551$1,551$1,551$1,551$1,551
WisconsinAuto Club Group – ACG (AAA)$1,830$1,830$1,830
WisconsinAcuity Insurance$2,045$1,956$1,996$2,074$2,153
WisconsinProgressive$2,054$2,000$2,042$2,069$2,103
WisconsinState Farm$2,084$2,084
WisconsinGEICO$2,283$2,258$2,258$2,278$2,337
WisconsinAllstate$3,144$3,144
West VirginiaErie Insurance$1,601$1,601$1,601$1,601$1,601
West VirginiaGEICO$1,902$1,825$1,838$1,907$2,037
West VirginiaState Farm$2,099$2,099
West VirginiaUSAA*$1,429$1,396$1,425$1,466
WyomingAllstate$2,983$2,983
WyomingUSAA*$1,098$1,073$1,094$1,126
*USAA is only available to military community members and their families.
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How seniors can get lower car insurance rates

Car insurance rates often decrease once you hit your 60s, but there are still ways seniors can save even more. Many insurance companies offer senior driver discounts, especially for those who complete a defensive driving course.

Retirees may also benefit from lower rates if they drive less than they used to, so ask your insurer about low-mileage discounts. Bundling auto and home insurance, maintaining a clean driving record, and choosing a car with strong safety features can also help reduce premiums.

Finally, it’s worth shopping around. Rates vary by company, and some insurers specialize in affordable coverage for older drivers. Comparing quotes every few years can lead to significant savings.

Frequently asked questions: Auto insurance for seniors

How much is car insurance for seniors at age 70?

One of the biggest impacts on car insurance costs is age. This is due to the risks associated with senior driving accidents and claims, which tend to increase as drivers age. 

For a 70-year-old driver, the state minimum insurance costs $647, liability-only costs $831, and a full coverage policy with a 100/300/100 limit costs $2,410 annually – $136 more yearly than the same policy for a 65-year-old driver.

How much is car insurance for seniors at age 75?

As drivers age, changes in eyesight, hearing, and reaction time can increase risk on the road—and car insurance premiums rise accordingly. By age 75, rates are about $346 higher than they are for 65-year-old drivers. 

On average, a 75-year-old pays $719 per year for state-minimum coverage, $917 for liability-only, and $2,620 for full coverage with 100/300/100 limits.

How can I add a senior driver to my insurance?

Contact your car insurance company if you live with a senior who plans on driving your vehicle. They will likely need to be added to your policy to ensure you don’t have to pay exorbitant out-of-pocket expenses if they’re in an accident while behind your wheel. 

If the senior driver using your car still has their insurance policy, it’s still worth chatting with your insurer about available options and their policy. This can not only ensure everyone is correctly covered while driving but could save the senior driver money.

What should I do about my car insurance if I can’t get my license renewed?

States have requirements regarding license renewals and how often seniors’ driver’s licenses need to be renewed. According to data compiled by the IIHS, this can range from every four to eight years and require a vision exam and road test.  

However, if at any time your license renewal is not approved, you may no longer legally drive a motorized vehicle. At this time, you can cancel your car insurance if no one else is going to be driving the vehicle. You should also contact your insurer to discuss your options or notify them of the non-renewal.

When is it time for a senior to stop driving?

As we age, so do our faculties, reflexes and capabilities to make decisions. These impairments impact our driving ability. In general, drivers aged 70 and older have higher fatal crashes per mile traveled than middle-aged drivers. 

However, according to the IIHS, they were also involved in 11% fewer fatal collisions per capita from 1997 to 2021. This can be attributed to limiting driving to fewer miles, avoiding night driving, and having to renew in person, where they can be screened for driving stability. 

Senior drivers will begin to exhibit warning signs that indicate it’s time to put the keys away and stop driving. While this topic can be challenging to navigate and may elicit emotional responses and feelings of codependency and loss of independence, it’s important to communicate concerns and implement a plan if you begin noticing some of the following signs, according to The Hartford.

  • Driving confidence is shaky 
  • Other drivers often honk at you while driving
  • Easily distracted while driving
  • Erratic driving 
  • Getting lost when driving in familiar places
  • Hitting curbs 
  • Increased agitation or irritation when driving
  • Incorrect signaling 
  • Parking inappropriately 
  • Minor accidents, tickets or collisions begin to occur often 
  • Missing stop signs and other traffic signals
  • Riding the brake
  • Scrapes or dents in the vehicle 
  • Taking medications that interfere with driving

It will take courage and support for a senior driver to cease driving. This may require family members to pitch in on transportation help or begin to find alternative public transportation options. While this can be a challenging transition, it is also a wise choice that should be celebrated as it ensures the safety of all on the road. 

Methodology 

In 2025, Insure.com editors collected rates from Quadrant Information Services for 60, 70, and 75-year-old male and female drivers driving a 2023 Honda Accord LX with good insurance scores and no violations on their records for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles. We analyzed 7,52,63,537 records from 169 insurance companies across 34,588 ZIP codes.

Car insurance rates were calculated using a sample profile of a 65-year-old male and female driver, with the following incidents applied:

  • 1 At-fault property damage accident over $2K
  • 1 At-fault property damage accident under $2K
  • At-fault bodily injury accident
  • DUI/DWI first offense
  • Speeding 30+ over the limit
  • Speeding ticket 1-10 MPH over limit
  • Speeding ticket 11-29 MPH over limit

These are sample rates and should be used for comparison purposes only.

author image
Katrina Raenell
Contributing Researcher

 
  

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.

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