Home Car insurance How much does car insurance cost for seniors in 2025? How much does car insurance cost for seniors in 2025? The average annual cost of car insurance for a 70-year-old senior driver is $2,410. View Carriers Please enter valid zip Compare top carriers in your area Written by Katrina Raenell Katrina Raenell 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. | Reviewed by Laura Longero Laura Longero Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network. | Expert insight from Lauren McKenzie Lauren McKenzie Insurance broker/agent, A Plus Insurance.Go to comment | Updated on: September 1, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 driversTravelers$1,925$2,046$2,261GEICO$2,009$2,189$2,392Nationwide$2,182$2,287$2,431Progressive$2,219$2,383$2,623State Farm$2,587$2,689$2,883Farmers$2,754$2,977$3,199Allstate$3,002$3,093$3,363USAA*$1,462$1,559$1,734 *USAA is only available to military community members and their families.Powered by: 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$2,27470$647$831$2,41075$719$917$2,620 Powered by: 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 driversAlaska$2,061Alabama$1,878Arkansas$2,369Arizona$2,219California$2,840Colorado$2,935Connecticut$2,498Washington, D.C.$3,186Delaware$2,720Florida$3,506Georgia$2,620Hawaii$1,721Iowa$1,902Idaho$1,623Illinois$1,669Indiana$1,623Kansas$2,127Kentucky$2,694Louisiana$3,867Massachusetts$1,990Maryland$2,126Maine$1,589Michigan$2,743Minnesota$2,207Missouri$2,101Mississippi$2,165Montana$2,270North Carolina$2,552North Dakota$1,781Nebraska$2,155New Hampshire$1,534New Jersey$2,673New Mexico$2,291Nevada$3,159New York$2,632Ohio$1,548Oklahoma$2,387Oregon$1,729Pennsylvania$2,121Rhode Island$2,754South Carolina$2,167South Dakota$2,281Tennessee$1,927Texas$2,344Utah$2,109Virginia$1,719Vermont$1,369Washington$2,070Wisconsin$1,804West Virginia$2,253Wyoming$1,920 Powered by: 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. What to read next Licensing-renewal procedures for elderly drivers Show more 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. State Company Annual premium Alaska GEICO $1,446 Alaska Progressive $1,805 Alaska State Farm $2,482 Alaska Western National Insurance $2,869 Alaska Allstate $3,208 Alaska USAA $1,595 Alabama GEICO $1,608 Alabama Travelers $1,678 Alabama Country Financial $1,742 Alabama Nationwide $1,771 Alabama Progressive $1,975 Alabama Auto-Owners $2,432 Alabama Allstate $2,699 Alabama Farmers $2,779 Alabama USAA $1,616 Arkansas Travelers $1,619 Arkansas GEICO $1,697 Arkansas Shelter Insurance $1,962 Arkansas Nationwide $2,448 Arkansas Southern Farm Bureau $2,595 Arkansas Farmers $2,737 Arkansas Progressive $3,349 Arkansas Alfa Insurance $3,461 Arkansas Allstate $3,768 Arkansas USAA $1,513 Arizona GEICO $1,762 Arizona Travelers $1,768 Arizona Progressive $1,908 Arizona Auto-Owners $2,410 Arizona Nationwide $2,465 Arizona Farmers $2,773 Arizona State Farm $2,820 Arizona Allstate $3,114 Arizona CSAA Insurance (AAA) $5,207 Arizona USAA $1,951 California GEICO $2,050 California State Farm $2,541 California Mercury Insurance $2,824 California Auto Club Enterprises (AAA) $2,856 California CSAA Insurance (AAA) $2,886 California Progressive $2,963 California Farmers $3,345 California Kemper $3,507 California Allstate $3,563 California Travelers $3,579 California Nationwide $4,056 California USAA $2,089 Colorado GEICO $2,156 Colorado Progressive $2,461 Colorado Kemper $2,662 Colorado Auto-Owners $3,109 Colorado Farmers $3,358 Colorado Southern Farm Bureau $3,701 Colorado Allstate $3,736 Colorado Acuity Insurance $4,010 Colorado State Farm $4,069 Colorado USAA $2,188 Connecticut Kemper $1,836 Connecticut GEICO $1,931 Connecticut Nationwide $2,689 Connecticut Progressive $3,228 Connecticut Amica $3,270 Connecticut Allstate $3,280 Connecticut State Farm $3,354 Connecticut Farmers $3,364 Connecticut The Hanover $6,499 Connecticut USAA $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 Delaware GEICO $1,756 Delaware Nationwide $1,833 Delaware Progressive $2,471 Delaware American Family $2,941 Delaware State Farm $3,073 Delaware Donegal Insurance $3,600 Delaware Allstate $4,702 Delaware Sentry Insurance $6,048 Delaware USAA $1,765 Florida UAIC $2,502 Florida Travelers $2,506 Florida State Farm $2,613 Florida GEICO $2,618 Florida Nationwide $3,401 Florida Mercury Insurance $3,847 Florida Allstate $4,507 Florida National General $4,987 Florida Farmers $5,210 Florida Progressive $6,018 Georgia Progressive $1,857 Georgia Country Financial $2,349 Georgia GEICO $2,403 Georgia Auto-Owners $2,510 Georgia Allstate $3,180 Georgia Central Insurance $3,187 Georgia Safeway Insurance $3,430 Georgia Mercury Insurance $3,533 Georgia State Farm $4,005 Georgia USAA $1,858 Hawaii GEICO $1,251 Hawaii Progressive $1,279 Hawaii Farmers $1,746 Hawaii Island Insurance $1,936 Hawaii State Farm $2,312 Hawaii Allstate $2,379 Hawaii USAA $1,141 Iowa Travelers $1,354 Iowa Progressive $1,467 Iowa GEICO $1,615 Iowa Auto-Owners $1,723 Iowa State Farm $1,814 Iowa IMT Insurance $1,893 Iowa West Bend Insurance Company $1,980 Iowa Allstate $2,904 Iowa Iowa Farm Bureau $2,928 Iowa Grinnell Mutual $3,064 Iowa USAA $1,257 Idaho State Farm $1,405 Idaho Farmers $1,595 Idaho Nationwide $1,639 Idaho Auto-Owners $1,646 Idaho GEICO $1,661 Idaho Idaho Farm Bureau $1,868 Idaho Travelers $2,021 Idaho Allstate $2,439 Idaho Sentry Insurance $2,646 Idaho USAA $793 Illinois GEICO $1,245 Illinois Travelers $1,475 Illinois Auto Club Group – ACG (AAA) $1,769 Illinois Country Financial $1,911 Illinois Progressive $1,923 Illinois Auto-Owners $1,933 Illinois Erie Insurance $2,161 Illinois Allstate $2,953 Illinois USAA $1,580 Indiana GEICO $1,060 Indiana Travelers $1,478 Indiana Progressive $1,539 Indiana Auto-Owners $1,873 Indiana Indiana Farmers Insurance $1,891 Indiana Farmers $2,000 Indiana Indiana Farm Bureau $2,457 Indiana Allstate $2,588 Indiana USAA $979 Kansas Travelers $1,599 Kansas Nationwide $1,846 Kansas Progressive $1,855 Kansas Shelter Insurance $2,149 Kansas Farmers $2,202 Kansas GEICO $2,333 Kansas State Farm $2,638 Kansas Allstate $3,424 Kansas Iowa Farm Bureau $3,581 Kansas USAA $1,285 Kentucky Travelers $1,758 Kentucky Shelter Insurance $2,374 Kentucky GEICO $2,489 Kentucky Auto-Owners $2,684 Kentucky Progressive $2,794 Kentucky Kentucky Farm Bureau $3,190 Kentucky State Farm $3,654 Kentucky Allstate $4,342 Kentucky Farmers $5,478 Kentucky USAA $1,667 Louisiana Southern Farm Bureau $2,449 Louisiana GEICO $3,147 Louisiana Progressive $3,423 Louisiana Safeway Insurance $3,854 Louisiana Farmers $4,036 Louisiana Louisiana Farm Bureau $4,722 Louisiana State Farm $4,756 Louisiana Auto Club Enterprises (AAA) $5,315 Louisiana Allstate $9,499 Louisiana USAA $2,772 Massachusetts GEICO $1,314 Massachusetts Plymouth Rock Assurance $1,799 Massachusetts Safety Insurance $1,931 Massachusetts Progressive $2,178 Massachusetts Arbella Insurance $2,251 Massachusetts Farmers $2,399 Massachusetts Allstate $2,544 Massachusetts Amica $2,555 Massachusetts Travelers $2,601 Massachusetts USAA $1,349 Maryland GEICO $1,735 Maryland Nationwide $1,779 Maryland Erie Insurance $2,001 Maryland Travelers $2,250 Maryland Progressive $2,284 Maryland State Farm $2,446 Maryland Penn National Insurance $2,977 Maryland Allstate $4,586 Maryland USAA $1,266 Maine Travelers $826 Maine Auto-Owners $1,027 Maine Progressive $1,123 Maine GEICO $1,356 Maine Allstate $1,855 Maine MMG Insurance $2,005 Maine State Farm $2,269 Maine Frankenmuth Insurance $2,317 Maine Farmers $2,383 Maine USAA $997 Michigan Travelers $2,298 Michigan Progressive $2,559 Michigan Auto-Owners $2,643 Michigan Auto Club Group – ACG (AAA) $2,648 Michigan GEICO $2,841 Michigan Pioneer State Mutual $3,442 Michigan Michigan Farm Bureau $3,635 Michigan Frankenmuth Insurance $4,037 Michigan State Farm $4,202 Michigan USAA $1,875 Minnesota Travelers $1,636 Minnesota Auto-Owners $1,724 Minnesota Auto Club Group – ACG (AAA) $1,945 Minnesota State Farm $2,179 Minnesota Nationwide $2,260 Minnesota North Star Mutual $2,802 Minnesota Allstate $2,948 Minnesota GEICO $3,393 Minnesota Western National Insurance $4,805 Minnesota USAA $1,694 Missouri Travelers $1,591 Missouri GEICO $1,854 Missouri Shelter Insurance $1,999 Missouri Missouri Farm Bureau $2,559 Missouri Nationwide $2,643 Missouri Auto Club Enterprises (AAA) $2,859 Missouri Progressive $3,321 Missouri USAA $1,250 Mississippi Travelers $1,831 Mississippi Shelter Insurance $2,194 Mississippi Progressive $2,252 Mississippi Nationwide $2,352 Mississippi Southern Farm Bureau $2,484 Mississippi GEICO $2,868 Mississippi Allstate $3,013 Mississippi Safeway Insurance $3,845 Mississippi USAA $1,455 Montana State Farm $1,799 Montana Nationwide $1,937 Montana Kemper $2,311 Montana Progressive $2,684 Montana Farmers $2,902 Montana Allstate $3,258 Montana GEICO $3,383 Montana USAA $1,288 North Carolina Erie Insurance $1,257 North Carolina Progressive $1,480 North Carolina State Farm $1,835 North Carolina Nationwide $2,314 North Carolina Farmers $2,479 North Carolina North Carolina Farm Bureau $2,763 North Carolina Penn National Insurance $2,797 North Carolina GEICO $3,843 North Carolina Utica National Insurance Group $3,986 North Carolina Allstate $4,060 North Dakota Nationwide $1,118 North Dakota American Family $1,121 North Dakota Progressive $1,574 North Dakota GEICO $1,853 North Dakota Auto-Owners $2,255 North Dakota Nodak Insurance $2,257 North Dakota North Star Mutual $2,282 North Dakota State Farm $2,464 North Dakota Allstate $2,785 North Dakota USAA $1,020 Nebraska Farmers Mutual of Nebraska $1,398 Nebraska Auto-Owners $1,639 Nebraska Progressive $1,883 Nebraska Shelter Insurance $2,180 Nebraska Allstate $2,561 Nebraska GEICO $3,218 Nebraska Iowa Farm Bureau $3,950 Nebraska USAA $1,679 New Hampshire The Hanover $1,047 New Hampshire GEICO $1,261 New Hampshire Auto-Owners $1,452 New Hampshire Nationwide $1,456 New Hampshire Progressive $1,700 New Hampshire MMG Insurance $1,826 New Hampshire Allstate $2,113 New Hampshire State Farm $2,214 New Hampshire Farmers $2,724 New Hampshire USAA $1,131 New Jersey Selective Insurance $1,939 New Jersey NJM $1,956 New Jersey Plymouth Rock Assurance $2,618 New Jersey Travelers $2,678 New Jersey Farmers $3,042 New Jersey GEICO $3,080 New Jersey Progressive $3,083 New Jersey Allstate $3,239 New Jersey State Farm $3,730 New Jersey The Hanover $5,302 New Mexico GEICO $1,501 New Mexico Progressive $1,875 New Mexico Central Insurance $2,187 New Mexico Nationwide $2,355 New Mexico State Farm $2,533 New Mexico Farmers $2,591 New Mexico Allstate $3,061 New Mexico Kemper $3,394 New Mexico Iowa Farm Bureau $3,418 New Mexico USAA $1,325 Nevada Travelers $2,344 Nevada GEICO $2,749 Nevada American Family $2,931 Nevada Mercury Insurance $3,262 Nevada Progressive $3,614 Nevada State Farm $3,852 Nevada Farmers $3,925 Nevada Allstate $4,423 Nevada CSAA Insurance (AAA) $6,666 Nevada USAA $2,060 New York Progressive $1,311 New York NYCM Insurance $2,315 New York Erie Insurance $2,455 New York GEICO $2,498 New York State Farm $2,801 New York Allstate $3,175 New York Chubb $3,826 New York The Hanover $3,831 New York Travelers $4,130 New York USAA $2,061 Ohio Grange Insurance $1,370 Ohio Progressive $1,571 Ohio GEICO $1,621 Ohio Erie Insurance $1,621 Ohio Auto-Owners $1,686 Ohio Westfield Insurance $1,851 Ohio Allstate $1,882 Ohio Farmers $1,910 Ohio Cincinnati Insurance $2,044 Ohio Travelers $2,413 Ohio USAA $1,052 Oklahoma Progressive $1,749 Oklahoma GEICO $2,083 Oklahoma Shelter Insurance $2,320 Oklahoma Mercury Insurance $2,580 Oklahoma Farmers $2,700 Oklahoma State Farm $2,753 Oklahoma AFR Insurance $2,805 Oklahoma Oklahoma Farm Bureau $3,356 Oklahoma Allstate $3,463 Oklahoma USAA $1,577 Oregon Oregon Mutual Insurance $1,495 Oregon GEICO $1,605 Oregon Nationwide $1,675 Oregon Travelers $1,683 Oregon Country Financial $1,740 Oregon State Farm $2,329 Oregon Farmers $2,443 Oregon Progressive $3,426 Oregon USAA $1,565 Pennsylvania Travelers $1,336 Pennsylvania Nationwide $1,669 Pennsylvania Erie Insurance $1,849 Pennsylvania Westfield Insurance $2,429 Pennsylvania Allstate $2,590 Pennsylvania State Farm $2,658 Pennsylvania GEICO $2,862 Pennsylvania Donegal Insurance $2,945 Pennsylvania Progressive $3,316 Pennsylvania USAA $1,937 Rhode Island State Farm $2,188 Rhode Island Progressive $2,222 Rhode Island Travelers $2,458 Rhode Island Nationwide $2,740 Rhode Island GEICO $3,208 Rhode Island American Family $3,278 Rhode Island Allstate $3,284 Rhode Island Amica $3,642 Rhode Island Farmers $3,838 Rhode Island USAA $1,475 South Carolina Auto-Owners $1,875 South Carolina Nationwide $1,986 South Carolina Southern Farm Bureau $2,085 South Carolina Progressive $2,144 South Carolina Travelers $2,378 South Carolina GEICO $2,685 South Carolina State Farm $3,015 South Carolina Allstate $3,019 South Carolina Sentry Insurance $4,622 South Carolina USAA $1,710 South Dakota Farmers Mutual of Nebraska $1,257 South Dakota Progressive $1,578 South Dakota Nationwide $2,108 South Dakota Allstate $2,256 South Dakota Farmers $2,409 South Dakota State Farm $2,436 South Dakota Auto-Owners $2,495 South Dakota North Star Mutual $2,881 South Dakota GEICO $3,110 South Dakota Iowa Farm Bureau $3,521 South Dakota USAA $1,866 Tennessee GEICO $1,639 Tennessee Travelers $1,659 Tennessee Farm Bureau Insurance of Tennessee $1,772 Tennessee Farmers $1,968 Tennessee Erie Insurance $2,078 Tennessee Nationwide $2,325 Tennessee Progressive $2,341 Tennessee State Farm $2,937 Tennessee Allstate $3,315 Tennessee USAA $1,263 Texas Texas Farm Bureau $1,100 Texas Redpoint Insurance $1,890 Texas State Farm $2,137 Texas Auto Club Enterprises (AAA) $2,369 Texas Progressive $2,511 Texas GEICO $2,544 Texas Allstate $4,127 Texas Farmers $4,354 Texas USAA $1,707 Utah Nationwide $1,149 Utah GEICO $1,470 Utah Auto-Owners $2,106 Utah Progressive $2,401 Utah Farmers $2,597 Utah United Insurance Co $2,798 Utah Allstate $2,987 Utah Iowa Farm Bureau $3,213 Utah State Farm $4,678 Utah USAA $1,449 Virginia Travelers $1,214 Virginia Virginia Farm Bureau $1,315 Virginia GEICO $1,495 Virginia Erie Insurance $1,810 Virginia Auto-Owners $1,994 Virginia Progressive $2,240 Virginia State Farm $2,416 Virginia Allstate $2,528 Virginia Farmers $4,550 Virginia USAA $1,243 Vermont Progressive $914 Vermont Co-operative Insurance Companies $1,351 Vermont State Farm $1,359 Vermont Nationwide $1,521 Vermont Auto-Owners $1,584 Vermont GEICO $1,638 Vermont Allstate $1,814 Vermont Vermont Mutual $2,021 Vermont Farmers $2,807 Vermont USAA $1,043 Washington GEICO $1,921 Washington American Family $2,021 Washington Nationwide $2,152 Washington Travelers $2,158 Washington Farmers $2,348 Washington State Farm $2,459 Washington Progressive $2,499 Washington Allstate $2,579 Washington PEMCO $3,106 Washington USAA $1,186 Wisconsin Travelers $1,221 Wisconsin GEICO $1,439 Wisconsin Nationwide $1,622 Wisconsin West Bend Insurance Company $1,787 Wisconsin Erie Insurance $2,039 Wisconsin Acuity Insurance $2,307 Wisconsin Farmers $2,341 Wisconsin Allstate $2,853 Wisconsin Progressive $3,237 Wisconsin USAA $1,177 West Virginia GEICO $1,877 West Virginia Erie Insurance $2,137 West Virginia Farmers $2,482 West Virginia Westfield Insurance $2,510 West Virginia State Farm $2,647 West Virginia Progressive $2,754 West Virginia Allstate $3,796 West Virginia USAA $1,566 Wyoming American National $879 Wyoming State Farm $1,478 Wyoming Farmers $1,704 Wyoming Allstate $3,126 Wyoming GEICO $3,926 Wyoming USAA $1,414 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 premium45$2,463$1,231$20550$2,358$1,179$19655$2,277$1,139$19060$2,250$1,125$18765$2,274$1,137$18970$2,410$1,205$20175$2,620$1,310$218 Powered by: 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.Powered by: 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$3,093Farmers$838$1,219$2,977GEICO$508$695$2,189Nationwide$820$976$2,287Progressive$621$825$2,383State Farm$742$943$2,689Travelers$714$855$2,046USAA*$412$520$1,559 *USAA is only available to military community members and their families.Powered by: 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 costAllstate$1,024$1,270$3,363Farmers$934$1,337$3,199GEICO$563$755$2,392Nationwide$904$1,059$2,431Progressive$699$932$2,623State Farm$818$1,031$2,883Travelers$775$923$2,261USAA*$469$586$1,734 *USAA is only available to military community members and their families.Powered by: 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 premiumAlaskaState Farm$1,807AlaskaGEICO$1,868AlaskaAllstate$3,606AlaskaProgressive$3,676AlaskaUSAA*$1,769AlabamaState Farm$1,961AlabamaNationwide$1,992AlabamaTravelers$2,026AlabamaGEICO$2,458AlabamaAuto-Owners$2,544AlabamaAllstate$3,360AlabamaProgressive$3,976AlabamaFarmers$4,135AlabamaUSAA*$2,327ArkansasTravelers$2,003ArkansasState Farm$2,119ArkansasNationwide$2,314ArkansasGEICO$2,567ArkansasFarmers$3,340ArkansasProgressive$3,611ArkansasAllstate$3,919ArkansasUSAA*$1,607ArizonaGEICO$1,821ArizonaAuto-Owners$2,085ArizonaTravelers$2,152ArizonaNationwide$2,195ArizonaState Farm$2,364ArizonaProgressive$3,077ArizonaAllstate$3,324ArizonaFarmers$3,612ArizonaCSAA Insurance (AAA)$4,955ArizonaUSAA*$2,472CaliforniaMercury Insurance$3,290CaliforniaProgressive$3,549CaliforniaAuto Club Enterprises (AAA)$3,572CaliforniaState Farm$3,622CaliforniaGEICO$3,727CaliforniaCSAA Insurance (AAA)$3,824CaliforniaTravelers$4,022CaliforniaFarmers$4,662CaliforniaNationwide$4,824CaliforniaAllstate$5,564CaliforniaUSAA*$2,926ColoradoState Farm$1,976ColoradoKemper$2,577ColoradoGEICO$2,628ColoradoAllstate$3,549ColoradoAuto-Owners$3,629ColoradoProgressive$4,277ColoradoFarmers$5,400ColoradoUSAA*$2,289ConnecticutState Farm$1,716ConnecticutGEICO$1,781ConnecticutKemper$2,562ConnecticutProgressive$2,695ConnecticutNationwide$2,779ConnecticutAmica$3,586ConnecticutAllstate$3,697ConnecticutFarmers$4,196ConnecticutThe Hanover$6,506ConnecticutUSAA*$1,004Washington, D.C.Erie Insurance$2,080Washington, D.C.Progressive$2,530Washington, D.C.State Farm$2,597Washington, D.C.GEICO$2,759Washington, D.C.Chubb$3,819Washington, D.C.Allstate$5,117Washington, D.C.USAA*$1,908DelawareTravelers$1,493DelawareNationwide$2,147DelawareState Farm$2,345DelawareProgressive$2,790DelawareGEICO$3,443DelawareAmerican Family$3,596DelawareAllstate$5,826DelawareSentry Insurance$6,158FloridaState Farm$2,258FloridaGEICO$2,870FloridaNationwide$2,886FloridaTravelers$3,207FloridaNational General$3,885FloridaProgressive$4,102FloridaFarmers$4,647FloridaAllstate$5,910FloridaMercury Insurance$6,374GeorgiaAuto-Owners$2,245GeorgiaCountry Financial$2,261GeorgiaState Farm$2,489GeorgiaGEICO$2,774GeorgiaAllstate$3,016GeorgiaProgressive$3,216GeorgiaMercury Insurance$5,121GeorgiaUSAA*$2,499HawaiiGEICO$1,728HawaiiProgressive$1,842HawaiiState Farm$2,308HawaiiIsland Insurance$2,362HawaiiFarmers$2,429HawaiiAllstate$2,871HawaiiUSAA*$1,309IowaState Farm$1,296IowaTravelers$1,655IowaAuto-Owners$1,722IowaProgressive$2,037IowaGEICO$2,646IowaAllstate$2,809IowaUSAA*$1,695IdahoState Farm$1,190IdahoAuto-Owners$1,294IdahoTravelers$1,572IdahoGEICO$2,009IdahoNationwide$2,328IdahoFarmers$2,594IdahoAllstate$2,911IdahoUSAA*$1,131IllinoisAuto Club Group – ACG (AAA)$1,170IllinoisAuto-Owners$1,661IllinoisTravelers$1,662IllinoisState Farm$1,695IllinoisErie Insurance$1,895IllinoisGEICO$2,103IllinoisProgressive$2,245IllinoisAllstate$4,831IllinoisUSAA*$2,646IndianaAuto-Owners$1,417IndianaState Farm$1,767IndianaTravelers$1,829IndianaNationwide$1,914IndianaGEICO$1,925IndianaProgressive$2,884IndianaAllstate$3,362IndianaFarmers$3,363IndianaUSAA*$1,211KansasNationwide$1,844KansasState Farm$1,915KansasTravelers$1,998KansasProgressive$2,787KansasGEICO$3,019KansasFarmers$3,343KansasAllstate$4,388KansasUSAA*$1,617KentuckyKentucky Farm Bureau$2,456KentuckyAuto-Owners$2,494KentuckyTravelers$2,568KentuckyState Farm$2,849KentuckyGEICO$3,656KentuckyProgressive$4,098KentuckyAllstate$5,783KentuckyFarmers$6,585KentuckyUSAA*$2,934LouisianaSouthern Farm Bureau$2,970LouisianaSafeway Insurance$3,390LouisianaState Farm$3,870LouisianaFarmers$4,329LouisianaAuto Club Enterprises (AAA)$5,128LouisianaProgressive$5,598LouisianaGEICO$6,200LouisianaUSAA*$3,292MassachusettsState Farm$786MassachusettsGEICO$1,340MassachusettsArbella Insurance$1,472MassachusettsSafety Insurance$2,227MassachusettsTravelers$2,797MassachusettsProgressive$2,877MassachusettsFarmers$3,205MassachusettsAllstate$3,397MassachusettsUSAA*$1,658MarylandGEICO$2,074MarylandNationwide$2,359MarylandErie Insurance$2,505MarylandState Farm$2,631MarylandTravelers$2,810MarylandProgressive$3,059MarylandKemper$3,839MarylandAllstate$5,109MarylandUSAA*$1,891MaineAuto-Owners$1,013MaineTravelers$1,163MaineState Farm$1,423MaineAllstate$1,515MaineFrankenmuth Insurance$1,791MaineProgressive$1,830MaineGEICO$1,900MaineFarmers$2,297MaineUSAA*$1,256MichiganAuto-Owners$2,240MichiganProgressive$2,629MichiganAuto Club Group – ACG (AAA)$3,303MichiganGEICO$3,311MichiganTravelers$3,603MichiganState Farm$3,916MichiganUSAA*$2,365MinnesotaState Farm$1,548MinnesotaNationwide$1,669MinnesotaAuto-Owners$1,896MinnesotaTravelers$2,168MinnesotaAuto Club Group – ACG (AAA)$3,080MinnesotaGEICO$3,889MinnesotaAllstate$4,060MinnesotaUSAA*$2,031MissouriTravelers$1,916MissouriNationwide$1,934MissouriState Farm$2,130MissouriProgressive$2,636MissouriAuto Club Enterprises (AAA)$3,189MissouriAllstate$3,590MissouriGEICO$5,871MissouriUSAA*$1,515MississippiState Farm$1,923MississippiNationwide$2,059MississippiTravelers$2,245MississippiProgressive$3,304MississippiAllstate$3,640MississippiGEICO$3,728MississippiShelter Insurance$4,401MississippiUSAA*$1,993MontanaState Farm$1,853MontanaKemper$3,281MontanaProgressive$3,524MontanaGEICO$3,609MontanaFarmers$3,931MontanaAllstate$4,236MontanaUSAA*$1,179North CarolinaState Farm$1,661North CarolinaErie Insurance$1,695North CarolinaNorth Carolina Farm Bureau$1,709North CarolinaNationwide$2,612North CarolinaProgressive$2,917North CarolinaFarmers$2,939North CarolinaGEICO$3,357North CarolinaAllstate$5,090North DakotaNationwide$1,610North DakotaState Farm$1,717North DakotaAuto-Owners$1,861North DakotaProgressive$2,076North DakotaFarmers$2,717North DakotaAllstate$3,043North DakotaGEICO$5,902North DakotaUSAA*$1,149NebraskaAuto-Owners$1,638NebraskaNationwide$1,800NebraskaState Farm$2,359NebraskaProgressive$2,987NebraskaAllstate$3,195NebraskaGEICO$4,996NebraskaUSAA*$1,919New HampshireThe Hanover$1,088New HampshireAuto-Owners$1,136New HampshireState Farm$1,164New HampshireNationwide$1,782New HampshireProgressive$2,147New HampshireGEICO$2,284New HampshireFarmers$2,948New HampshireAllstate$3,250New HampshireUSAA*$1,300New JerseyNJM$1,256New JerseyGEICO$2,168New JerseyPlymouth Rock Assurance$2,642New JerseyTravelers$2,914New JerseyState Farm$3,414New JerseyProgressive$4,402New JerseyFarmers$4,789New JerseyAllstate$5,100New MexicoState Farm$1,754New MexicoProgressive$2,247New MexicoGEICO$2,453New MexicoNationwide$2,760New MexicoIowa Farm Bureau$3,376New MexicoKemper$3,798New MexicoFarmers$4,114New MexicoAllstate$4,360New MexicoUSAA*$1,684NevadaState Farm$1,555NevadaTravelers$2,898NevadaGEICO$3,375NevadaAllstate$3,518NevadaFarmers$3,691NevadaAmerican Family$3,763NevadaProgressive$3,837NevadaMercury Insurance$4,830NevadaCSAA Insurance (AAA)$5,602NevadaUSAA*$2,332New YorkProgressive$1,677New YorkState Farm$2,027New YorkGEICO$2,419New YorkErie Insurance$2,583New YorkAllstate$2,723New YorkTravelers$3,125New YorkUSAA*$1,781OhioErie Insurance$1,353OhioAuto-Owners$1,508OhioTravelers$1,998OhioGEICO$2,760OhioAllstate$2,811OhioProgressive$2,951OhioFarmers$3,225OhioUSAA*$1,517OklahomaProgressive$1,731OklahomaState Farm$1,875OklahomaShelter Insurance$2,385OklahomaOklahoma Farm Bureau$3,063OklahomaAllstate$3,606OklahomaGEICO$3,693OklahomaFarmers$4,077OklahomaMercury Insurance$4,524OklahomaUSAA*$2,288OregonNationwide$1,592OregonState Farm$1,730OregonTravelers$1,912OregonProgressive$3,008OregonGEICO$3,281OregonFarmers$3,872OregonAllstate$4,847OregonUSAA*$2,080PennsylvaniaTravelers$1,128PennsylvaniaNationwide$1,737PennsylvaniaErie Insurance$1,866PennsylvaniaState Farm$2,513PennsylvaniaAllstate$3,241PennsylvaniaGEICO$3,468PennsylvaniaProgressive$3,470PennsylvaniaUSAA*$2,709Rhode IslandState Farm$1,730Rhode IslandProgressive$2,087Rhode IslandNationwide$2,774Rhode IslandGEICO$2,813Rhode IslandTravelers$3,154Rhode IslandAmerican Family$3,660Rhode IslandAmica$3,847Rhode IslandFarmers$4,294Rhode IslandAllstate$4,553South CarolinaAuto-Owners$1,899South CarolinaState Farm$2,294South CarolinaTravelers$2,684South CarolinaGEICO$2,850South CarolinaProgressive$3,104South CarolinaAllstate$4,073South CarolinaUSAA*$2,236South DakotaState Farm$1,937South DakotaNationwide$2,166South DakotaFarmers$2,533South DakotaAllstate$2,849South DakotaAuto-Owners$2,987South DakotaProgressive$3,538South DakotaGEICO$3,717South DakotaUSAA*$2,465TennesseeState Farm$1,778TennesseeErie Insurance$1,958TennesseeTravelers$2,089TennesseeNationwide$2,451TennesseeGEICO$2,701TennesseeFarmers$2,722TennesseeProgressive$2,775TennesseeAllstate$4,721TennesseeUSAA*$1,822TexasState Farm$2,040TexasGEICO$2,325TexasNationwide$2,398TexasAuto Club Enterprises (AAA)$3,055TexasAllstate$4,202TexasProgressive$4,551TexasUSAA*$2,906UtahNationwide$1,801UtahState Farm$2,308UtahAuto-Owners$2,397UtahProgressive$2,766UtahGEICO$2,850UtahAllstate$3,245UtahFarmers$4,609UtahUSAA*$1,975VirginiaState Farm$1,558VirginiaErie Insurance$1,643VirginiaTravelers$1,704VirginiaGEICO$2,018VirginiaProgressive$3,251VirginiaAllstate$4,102VirginiaFarmers$5,136VirginiaUSAA*$1,803VermontState Farm$1,189VermontNationwide$1,279VermontAuto-Owners$1,483VermontProgressive$1,697VermontVermont Mutual$1,871VermontGEICO$1,952VermontAllstate$2,569VermontFarmers$2,652VermontUSAA*$1,180WashingtonState Farm$1,916WashingtonTravelers$2,083WashingtonGEICO$2,128WashingtonNationwide$2,502WashingtonAllstate$2,503WashingtonAmerican Family$2,710WashingtonFarmers$2,922WashingtonProgressive$4,841WashingtonUSAA*$1,243WisconsinTravelers$1,544WisconsinErie Insurance$1,638WisconsinNationwide$1,985WisconsinGEICO$2,412WisconsinState Farm$2,447WisconsinFarmers$3,041WisconsinAllstate$3,696WisconsinProgressive$3,806WisconsinUSAA*$1,419West VirginiaNationwide$1,727West VirginiaState Farm$1,735West VirginiaErie Insurance$1,852West VirginiaWestfield Insurance$2,880West VirginiaProgressive$2,928West VirginiaFarmers$2,997West VirginiaAllstate$4,257West VirginiaGEICO$4,468West VirginiaUSAA*$1,755WyomingAmerican National$1,362WyomingState Farm$1,543WyomingFarmers$2,204WyomingAllstate$3,746WyomingGEICO$3,947WyomingUSAA*$1,384 *USAA is only available to military community members and their families.Powered by: 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 premiumAlaskaState Farm$1,670AlaskaGEICO$2,363AlaskaProgressive$2,398AlaskaAllstate$3,440AlaskaUSAA*$2,017AlabamaState Farm$1,759AlabamaTravelers$2,166AlabamaNationwide$2,579AlabamaProgressive$2,767AlabamaAllstate$2,866AlabamaGEICO$3,351AlabamaAuto-Owners$3,788AlabamaFarmers$5,023AlabamaUSAA*$2,959ArkansasState Farm$1,965ArkansasTravelers$2,131ArkansasProgressive$2,508ArkansasGEICO$2,999ArkansasNationwide$3,063ArkansasAllstate$3,526ArkansasFarmers$4,609ArkansasUSAA*$1,955ArizonaProgressive$2,184ArizonaState Farm$2,187ArizonaTravelers$2,315ArizonaAuto-Owners$2,672ArizonaGEICO$2,721ArizonaNationwide$3,261ArizonaAllstate$3,873ArizonaFarmers$4,235ArizonaCSAA Insurance (AAA)$5,250ArizonaUSAA*$3,510CaliforniaMercury Insurance$3,319CaliforniaGEICO$4,627CaliforniaTravelers$4,925CaliforniaProgressive$5,209CaliforniaAuto Club Enterprises (AAA)$6,827CaliforniaNationwide$7,295CaliforniaState Farm$7,564CaliforniaCSAA Insurance (AAA)$9,064CaliforniaAllstate$9,331CaliforniaFarmers$11,879CaliforniaUSAA*$5,526ColoradoState Farm$1,844ColoradoGEICO$2,648ColoradoAllstate$3,121ColoradoProgressive$3,208ColoradoKemper$4,161ColoradoAuto-Owners$4,258ColoradoFarmers$6,733ColoradoUSAA*$3,067ConnecticutState Farm$1,716ConnecticutProgressive$1,985ConnecticutKemper$2,430ConnecticutAllstate$2,963ConnecticutNationwide$3,545ConnecticutGEICO$4,413ConnecticutFarmers$4,712ConnecticutAmica$9,743ConnecticutThe Hanover$22,274ConnecticutUSAA*$1,237Washington, D.C.Progressive$1,734Washington, D.C.State Farm$2,392Washington, D.C.Erie Insurance$2,473Washington, D.C.GEICO$3,585Washington, D.C.Allstate$4,777Washington, D.C.Chubb$6,268Washington, D.C.USAA*$2,094DelawareState Farm$2,160DelawareTravelers$2,646DelawareProgressive$2,759DelawareNationwide$2,813DelawareGEICO$3,786DelawareAllstate$4,676DelawareSentry Insurance$4,783DelawareAmerican Family$7,209DelawareUSAA*$2,530FloridaState Farm$2,100FloridaProgressive$3,001FloridaNational General$3,041FloridaTravelers$3,531FloridaGEICO$3,611FloridaAllstate$4,376FloridaNationwide$4,419FloridaMercury Insurance$5,532FloridaFarmers$7,695GeorgiaState Farm$2,298GeorgiaCountry Financial$2,460GeorgiaProgressive$2,644GeorgiaAllstate$2,681GeorgiaAuto-Owners$3,010GeorgiaMercury Insurance$3,276GeorgiaGEICO$4,547GeorgiaUSAA*$3,016HawaiiProgressive$2,050HawaiiState Farm$2,123HawaiiFarmers$2,588HawaiiAllstate$4,771HawaiiGEICO$8,264HawaiiIsland Insurance$15,070HawaiiUSAA*$2,145IowaState Farm$1,214IowaProgressive$1,382IowaTravelers$1,782IowaAllstate$2,518IowaGEICO$2,822IowaAuto-Owners$3,274IowaUSAA*$1,747IdahoState Farm$1,098IdahoTravelers$1,684IdahoAuto-Owners$1,978IdahoFarmers$2,064IdahoAllstate$2,445IdahoNationwide$3,042IdahoGEICO$3,688IdahoUSAA*$1,486IllinoisState Farm$1,566IllinoisProgressive$1,669IllinoisTravelers$1,801IllinoisAuto Club Group – ACG (AAA)$1,966IllinoisErie Insurance$2,242IllinoisAuto-Owners$2,512IllinoisGEICO$3,121IllinoisAllstate$4,140IllinoisUSAA*$3,382IndianaProgressive$1,776IndianaState Farm$1,815IndianaTravelers$1,964IndianaGEICO$2,193IndianaNationwide$2,538IndianaAllstate$2,694IndianaAuto-Owners$2,741IndianaFarmers$3,618IndianaUSAA*$1,144KansasState Farm$1,795KansasProgressive$1,931KansasTravelers$2,148KansasNationwide$2,489KansasFarmers$3,056KansasAllstate$3,790KansasGEICO$5,658KansasUSAA*$2,458KentuckyState Farm$2,655KentuckyTravelers$2,781KentuckyProgressive$3,568KentuckyAllstate$4,072KentuckyAuto-Owners$4,214KentuckyKentucky Farm Bureau$4,242KentuckyGEICO$5,586KentuckyFarmers$8,609KentuckyUSAA*$2,761LouisianaSouthern Farm Bureau$3,033LouisianaProgressive$3,376LouisianaState Farm$3,611LouisianaSafeway Insurance$3,623LouisianaAuto Club Enterprises (AAA)$4,775LouisianaFarmers$6,328LouisianaGEICO$7,089LouisianaUSAA*$3,283MassachusettsState Farm$951MassachusettsGEICO$1,587MassachusettsArbella Insurance$2,172MassachusettsProgressive$2,353MassachusettsTravelers$2,716MassachusettsSafety Insurance$2,872MassachusettsFarmers$3,511MassachusettsAllstate$4,269MassachusettsUSAA*$2,686MarylandGEICO$1,678MarylandErie Insurance$2,035MarylandState Farm$2,324MarylandProgressive$2,736MarylandTravelers$3,070MarylandNationwide$3,219MarylandAllstate$4,057MarylandKemper$4,912MarylandUSAA*$2,717MaineAuto-Owners$1,137MaineTravelers$1,239MaineProgressive$1,263MaineState Farm$1,312MaineAllstate$1,461MaineFarmers$2,282MaineGEICO$3,114MaineFrankenmuth Insurance$6,379MaineUSAA*$1,679MichiganProgressive$2,198MichiganAuto-Owners$4,450MichiganAuto Club Group – ACG (AAA)$5,852MichiganTravelers$6,170MichiganState Farm$8,245MichiganGEICO$10,747MichiganUSAA*$2,721MinnesotaState Farm$1,430MinnesotaNationwide$2,031MinnesotaTravelers$2,558MinnesotaAuto-Owners$2,837MinnesotaAllstate$4,062MinnesotaGEICO$7,374MinnesotaAuto Club Group – ACG (AAA)$8,395MinnesotaUSAA*$2,364MissouriProgressive$1,943MissouriState Farm$1,976MissouriTravelers$2,064MissouriNationwide$2,559MissouriAuto Club Enterprises (AAA)$3,136MissouriAllstate$3,321MissouriGEICO$5,852MissouriUSAA*$1,787MississippiState Farm$1,741MississippiProgressive$2,408MississippiTravelers$2,423MississippiNationwide$2,739MississippiAllstate$3,389MississippiShelter Insurance$4,958MississippiGEICO$7,046MississippiUSAA*$2,326MontanaState Farm$1,748MontanaKemper$2,303MontanaProgressive$2,554MontanaAllstate$3,867MontanaFarmers$5,126MontanaGEICO$6,619MontanaUSAA*$1,667North CarolinaState Farm$4,301North CarolinaErie Insurance$4,431North CarolinaNationwide$5,089North CarolinaGEICO$6,653North CarolinaNorth Carolina Farm Bureau$6,954North CarolinaProgressive$7,523North CarolinaFarmers$7,658North CarolinaAllstate$10,841North DakotaAmerican Family$1,224North DakotaProgressive$1,457North DakotaState Farm$1,606North DakotaNationwide$2,157North DakotaAuto-Owners$2,660North DakotaFarmers$3,512North DakotaAllstate$4,082North DakotaGEICO$8,872North DakotaUSAA*$1,771NebraskaProgressive$1,966NebraskaAuto-Owners$2,156NebraskaState Farm$2,196NebraskaNationwide$2,199NebraskaAllstate$2,935NebraskaGEICO$8,218NebraskaUSAA*$2,469New HampshireThe Hanover$1,222New HampshireAuto-Owners$1,378New HampshireState Farm$1,405New HampshireProgressive$1,515New HampshireNationwide$2,454New HampshireFarmers$2,649New HampshireAllstate$2,806New HampshireGEICO$2,946New HampshireUSAA*$1,317New JerseyNJM$1,512New JerseyPlymouth Rock Assurance$2,197New JerseyTravelers$2,787New JerseyProgressive$3,101New JerseyGEICO$3,197New JerseyAllstate$3,375New JerseyFarmers$4,023New JerseyState Farm$8,181New MexicoState Farm$1,632New MexicoProgressive$1,761New MexicoGEICO$3,093New MexicoKemper$3,777New MexicoNationwide$3,778New MexicoAllstate$3,914New MexicoIowa Farm Bureau$4,175New MexicoFarmers$4,830New MexicoUSAA*$2,039NevadaState Farm$1,442NevadaTravelers$3,182NevadaAllstate$3,482NevadaProgressive$3,544NevadaAmerican Family$3,665NevadaGEICO$4,199NevadaFarmers$4,591NevadaMercury Insurance$4,680NevadaCSAA Insurance (AAA)$4,691NevadaUSAA*$3,231New YorkProgressive$996New YorkState Farm$1,913New YorkErie Insurance$2,742New YorkAllstate$2,890New YorkTravelers$3,122New YorkGEICO$4,701New YorkUSAA*$2,104OhioErie Insurance$1,762OhioProgressive$1,922OhioAuto-Owners$2,096OhioTravelers$2,136OhioAllstate$2,436OhioFarmers$3,398OhioGEICO$3,595OhioUSAA*$1,361OklahomaProgressive$1,115OklahomaState Farm$1,755OklahomaShelter Insurance$2,730OklahomaMercury Insurance$2,997OklahomaGEICO$3,190OklahomaAllstate$3,430OklahomaOklahoma Farm Bureau$4,430OklahomaFarmers$4,596OklahomaUSAA*$2,548OregonState Farm$1,475OregonTravelers$2,074OregonProgressive$2,102OregonNationwide$2,817OregonFarmers$3,705OregonAllstate$3,912OregonGEICO$4,141OregonUSAA*$2,034PennsylvaniaTravelers$1,198PennsylvaniaErie Insurance$2,356PennsylvaniaState Farm$2,380PennsylvaniaProgressive$2,686PennsylvaniaNationwide$2,739PennsylvaniaGEICO$3,887PennsylvaniaUSAA*$2,232Rhode IslandProgressive$2,481Rhode IslandAmerican Family$3,234Rhode IslandNationwide$3,564Rhode IslandTravelers$3,875Rhode IslandAllstate$4,323Rhode IslandFarmers$5,549Rhode IslandGEICO$7,839Rhode IslandAmica$9,108Rhode IslandUSAA*$2,254South CarolinaState Farm$2,070South CarolinaProgressive$2,122South CarolinaAuto-Owners$2,830South CarolinaTravelers$2,905South CarolinaAllstate$3,371South CarolinaGEICO$4,812South CarolinaUSAA*$2,530South DakotaState Farm$1,849South DakotaFarmers$2,418South DakotaProgressive$2,851South DakotaNationwide$2,966South DakotaAllstate$3,236South DakotaAuto-Owners$3,900South DakotaGEICO$7,180South DakotaUSAA*$3,429TennesseeState Farm$1,643TennesseeProgressive$1,925TennesseeTravelers$2,241TennesseeErie Insurance$2,330TennesseeGEICO$2,889TennesseeNationwide$3,140TennesseeFarmers$3,434TennesseeAllstate$4,089TennesseeUSAA*$2,128TexasGEICO$2,734TexasState Farm$2,814TexasAuto Club Enterprises (AAA)$3,074TexasNationwide$3,174TexasProgressive$3,290TexasAllstate$4,188TexasUSAA*$2,522UtahProgressive$1,993UtahState Farm$2,119UtahNationwide$2,363UtahGEICO$2,736UtahAllstate$3,087UtahAuto-Owners$3,600UtahFarmers$4,926UtahUSAA*$2,247VirginiaState Farm$1,439VirginiaTravelers$1,828VirginiaErie Insurance$1,948VirginiaAuto-Owners$2,226VirginiaProgressive$2,630VirginiaGEICO$2,859VirginiaAllstate$2,940VirginiaFarmers$8,690VirginiaUSAA*$2,076VermontProgressive$1,097VermontState Farm$1,100VermontAuto-Owners$1,647VermontNationwide$1,682VermontAllstate$2,519VermontGEICO$3,336VermontFarmers$3,675VermontVermont Mutual$5,155VermontUSAA*$1,515WashingtonState Farm$1,775WashingtonGEICO$2,136WashingtonAmerican Family$2,255WashingtonTravelers$2,255WashingtonAllstate$2,308WashingtonFarmers$2,957WashingtonNationwide$3,260WashingtonProgressive$3,269WashingtonUSAA*$1,740WisconsinTravelers$1,664WisconsinErie Insurance$1,936WisconsinProgressive$2,178WisconsinState Farm$2,262WisconsinNationwide$2,664WisconsinGEICO$2,802WisconsinAllstate$2,908WisconsinFarmers$4,040WisconsinUSAA*$1,649West VirginiaState Farm$1,614West VirginiaNationwide$2,170West VirginiaErie Insurance$2,345West VirginiaProgressive$2,500West VirginiaAllstate$4,068West VirginiaFarmers$4,589West VirginiaWestfield Insurance$4,797West VirginiaGEICO$4,979West VirginiaUSAA*$1,997WyomingState Farm$1,437WyomingAmerican National$1,543WyomingAllstate$3,387WyomingFarmers$3,528WyomingGEICO$6,620WyomingUSAA*$1,930 *USAA is only available to military community members and their families.Powered by: 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 premiumAlaskaState Farm$1,670AlaskaGEICO$2,227AlaskaProgressive$2,774AlaskaAllstate$2,896AlaskaUSAA*$1,398AlabamaState Farm$1,759AlabamaNationwide$1,808AlabamaTravelers$1,996AlabamaAllstate$2,366AlabamaAuto-Owners$2,572AlabamaGEICO$2,852AlabamaProgressive$2,959AlabamaFarmers$3,854AlabamaUSAA*$1,614ArkansasState Farm$1,965ArkansasTravelers$2,160ArkansasNationwide$2,201ArkansasGEICO$2,647ArkansasProgressive$2,991ArkansasAllstate$3,076ArkansasFarmers$3,605ArkansasUSAA*$1,204ArizonaState Farm$2,187ArizonaTravelers$2,214ArizonaGEICO$2,322ArizonaNationwide$2,329ArizonaProgressive$2,577ArizonaAuto-Owners$2,672ArizonaFarmers$2,897ArizonaAllstate$3,530ArizonaCSAA Insurance (AAA)$3,908ArizonaUSAA*$1,902CaliforniaMercury Insurance$2,655CaliforniaGEICO$2,869CaliforniaAuto Club Enterprises (AAA)$3,103CaliforniaCSAA Insurance (AAA)$3,187CaliforniaState Farm$3,249CaliforniaProgressive$3,314CaliforniaAllstate$3,419CaliforniaTravelers$3,481CaliforniaFarmers$4,005CaliforniaNationwide$4,767CaliforniaUSAA*$2,167ColoradoState Farm$1,844ColoradoKemper$2,522ColoradoGEICO$2,606ColoradoAllstate$2,695ColoradoAuto-Owners$2,965ColoradoProgressive$3,469ColoradoFarmers$5,810ColoradoUSAA*$1,824ConnecticutGEICO$1,372ConnecticutState Farm$1,716ConnecticutProgressive$2,026ConnecticutKemper$2,393ConnecticutFarmers$2,493ConnecticutNationwide$3,545ConnecticutAmica$4,317ConnecticutThe Hanover$5,132ConnecticutUSAA*$702Washington, D.C.Erie Insurance$1,685Washington, D.C.Progressive$1,915Washington, D.C.State Farm$2,392Washington, D.C.GEICO$2,949Washington, D.C.Chubb$3,062Washington, D.C.Allstate$4,341Washington, D.C.USAA*$1,442DelawareNationwide$2,109DelawareState Farm$2,160DelawareTravelers$2,275DelawareGEICO$2,584DelawareProgressive$2,707DelawareAmerican Family$2,880DelawareAllstate$3,881DelawareSentry Insurance$5,702DelawareUSAA*$1,794FloridaState Farm$2,100FloridaNationwide$3,156FloridaTravelers$3,353FloridaGEICO$3,493FloridaProgressive$3,555FloridaNational General$3,836FloridaMercury Insurance$4,557FloridaFarmers$5,020GeorgiaAuto-Owners$2,009GeorgiaCountry Financial$2,181GeorgiaAllstate$2,247GeorgiaState Farm$2,298GeorgiaProgressive$2,302GeorgiaGEICO$3,027GeorgiaMercury Insurance$3,646GeorgiaUSAA*$1,834HawaiiProgressive$1,685HawaiiFarmers$1,809HawaiiState Farm$2,123HawaiiAllstate$2,625HawaiiIsland Insurance$9,307HawaiiUSAA*$1,116IowaState Farm$1,214IowaTravelers$1,705IowaProgressive$1,730IowaAllstate$2,088IowaAuto-Owners$2,351IowaGEICO$2,415IowaUSAA*$1,317IdahoState Farm$1,098IdahoAuto-Owners$1,309IdahoGEICO$1,384IdahoTravelers$1,611IdahoFarmers$1,915IdahoAllstate$2,103IdahoNationwide$2,234IdahoUSAA*$896IllinoisAuto Club Group – ACG (AAA)$1,117IllinoisErie Insurance$1,548IllinoisState Farm$1,566IllinoisTravelers$1,638IllinoisProgressive$1,958IllinoisAuto-Owners$2,096IllinoisGEICO$2,355IllinoisAllstate$3,446IllinoisUSAA*$2,022IndianaState Farm$1,575IndianaAuto-Owners$1,841IndianaNationwide$1,865IndianaTravelers$1,878IndianaGEICO$2,091IndianaProgressive$2,245IndianaAllstate$2,685IndianaFarmers$2,716IndianaUSAA*$919KansasNationwide$1,373KansasState Farm$1,795KansasTravelers$1,909KansasGEICO$2,031KansasFarmers$2,188KansasProgressive$2,257KansasAllstate$3,176KansasUSAA*$1,266KentuckyAuto-Owners$2,448KentuckyTravelers$2,654KentuckyState Farm$2,655KentuckyProgressive$3,433KentuckyAllstate$3,621KentuckyGEICO$3,632KentuckyKentucky Farm Bureau$4,242KentuckyFarmers$6,118KentuckyUSAA*$2,149LouisianaSouthern Farm Bureau$2,639LouisianaSafeway Insurance$2,809LouisianaState Farm$3,611LouisianaProgressive$4,053LouisianaFarmers$4,419LouisianaAuto Club Enterprises (AAA)$4,602LouisianaGEICO$6,181LouisianaUSAA*$2,628MassachusettsState Farm$595MassachusettsGEICO$971MassachusettsSafety Insurance$1,604MassachusettsFarmers$2,084MassachusettsProgressive$2,549MassachusettsTravelers$2,593MassachusettsUSAA*$1,282MarylandGEICO$1,702MarylandNationwide$1,940MarylandErie Insurance$2,035MarylandState Farm$2,324MarylandProgressive$2,447MarylandTravelers$2,915MarylandKemper$2,921MarylandAllstate$4,214MarylandUSAA*$1,216MaineAuto-Owners$784MaineAllstate$1,186MaineTravelers$1,187MaineState Farm$1,312MaineProgressive$1,462MaineFrankenmuth Insurance$1,799MaineGEICO$1,806MaineFarmers$2,099MaineUSAA*$935MichiganGEICO$2,208MichiganProgressive$2,333MichiganAuto-Owners$2,711MichiganTravelers$2,841MichiganAuto Club Group – ACG (AAA)$4,421MichiganState Farm$5,050MichiganUSAA*$2,073MinnesotaState Farm$1,430MinnesotaNationwide$1,585MinnesotaAuto-Owners$1,917MinnesotaTravelers$2,243MinnesotaAuto Club Group – ACG (AAA)$2,923MinnesotaAllstate$3,292MinnesotaGEICO$3,410MinnesotaUSAA*$1,568MissouriNationwide$1,825MissouriTravelers$1,971MissouriState Farm$1,976MissouriProgressive$2,149MissouriAllstate$2,881MissouriAuto Club Enterprises (AAA)$3,019MissouriGEICO$3,582MissouriUSAA*$1,195MississippiState Farm$1,741MississippiNationwide$2,026MississippiTravelers$2,320MississippiShelter Insurance$2,650MississippiProgressive$2,654MississippiAllstate$2,722MississippiGEICO$2,822MississippiUSAA*$1,557MontanaState Farm$1,748MontanaKemper$2,699MontanaGEICO$2,747MontanaProgressive$2,979MontanaAllstate$3,147MontanaFarmers$4,657MontanaUSAA*$1,115North CarolinaState Farm$1,613North CarolinaErie Insurance$1,647North CarolinaNorth Carolina Farm Bureau$1,660North CarolinaNationwide$1,920North CarolinaGEICO$2,352North CarolinaProgressive$2,836North CarolinaFarmers$2,856North CarolinaAllstate$4,001North DakotaAmerican Family$1,224North DakotaNationwide$1,546North DakotaState Farm$1,606North DakotaProgressive$1,643North DakotaAuto-Owners$1,879North DakotaFarmers$2,243North DakotaAllstate$2,502North DakotaUSAA*$890NebraskaNationwide$1,270NebraskaAuto-Owners$1,699NebraskaState Farm$2,196NebraskaProgressive$2,386NebraskaAllstate$2,476NebraskaGEICO$2,527NebraskaUSAA*$1,485New HampshireAuto-Owners$906New HampshireProgressive$1,765New HampshireNationwide$1,779New HampshireFarmers$2,234New HampshireGEICO$2,437New HampshireAllstate$2,544New HampshireUSAA*$933New JerseyNJM$1,512New JerseyPlymouth Rock Assurance$2,258New JerseyTravelers$2,539New JerseyAllstate$3,189New JerseyProgressive$3,460New JerseyFarmers$3,570New JerseyState Farm$4,180New MexicoState Farm$1,632New MexicoProgressive$1,994New MexicoNationwide$2,313New MexicoGEICO$2,612New MexicoIowa Farm Bureau$2,906New MexicoAllstate$3,133New MexicoKemper$3,602New MexicoFarmers$3,873New MexicoUSAA*$1,279NevadaState Farm$1,442NevadaAllstate$2,839NevadaAmerican Family$2,857NevadaTravelers$3,025NevadaFarmers$3,035NevadaProgressive$3,215NevadaMercury Insurance$3,523NevadaGEICO$4,021NevadaCSAA Insurance (AAA)$4,395NevadaUSAA*$1,881New YorkProgressive$1,132New YorkState Farm$1,913New YorkErie Insurance$2,105New YorkGEICO$2,419New YorkAllstate$2,511New YorkTravelers$3,040New YorkUSAA*$1,630OhioErie Insurance$1,192OhioAuto-Owners$1,371OhioTravelers$2,042OhioAllstate$2,201OhioProgressive$2,396OhioFarmers$2,725OhioGEICO$2,955OhioUSAA*$1,138OklahomaProgressive$1,327OklahomaState Farm$1,755OklahomaShelter Insurance$2,199OklahomaAllstate$2,905OklahomaFarmers$3,241OklahomaOklahoma Farm Bureau$3,291OklahomaMercury Insurance$3,397OklahomaGEICO$3,416OklahomaUSAA*$1,708OregonState Farm$1,475OregonTravelers$1,976OregonNationwide$2,037OregonProgressive$2,318OregonFarmers$2,760OregonAllstate$3,456OregonGEICO$3,593OregonUSAA*$1,560PennsylvaniaTravelers$1,047PennsylvaniaErie Insurance$1,622PennsylvaniaNationwide$1,931PennsylvaniaState Farm$2,380PennsylvaniaGEICO$3,494PennsylvaniaUSAA*$1,861Rhode IslandNationwide$2,652Rhode IslandProgressive$2,744Rhode IslandAmerican Family$3,100Rhode IslandTravelers$3,414Rhode IslandAllstate$3,583Rhode IslandGEICO$3,848Rhode IslandFarmers$4,398Rhode IslandAmica$4,679Rhode IslandUSAA*$1,385South CarolinaAuto-Owners$1,989South CarolinaState Farm$2,070South CarolinaProgressive$2,306South CarolinaTravelers$2,778South CarolinaAllstate$3,188South CarolinaUSAA*$1,690South DakotaState Farm$1,849South DakotaAllstate$2,078South DakotaNationwide$2,130South DakotaFarmers$2,337South DakotaGEICO$2,408South DakotaAuto-Owners$3,008South DakotaProgressive$3,218South DakotaUSAA*$2,054TennesseeErie Insurance$1,585TennesseeState Farm$1,643TennesseeProgressive$2,000TennesseeTravelers$2,146TennesseeNationwide$2,249TennesseeFarmers$2,662TennesseeGEICO$2,810TennesseeAllstate$3,314TennesseeUSAA*$1,317TexasNationwide$1,701TexasGEICO$2,427TexasAuto Club Enterprises (AAA)$2,756TexasProgressive$3,871TexasUSAA*$1,891UtahNationwide$1,243UtahAuto-Owners$1,754UtahState Farm$2,119UtahProgressive$2,282UtahAllstate$2,525UtahGEICO$2,910UtahFarmers$3,455UtahUSAA*$1,503VirginiaErie Insurance$1,340VirginiaState Farm$1,439VirginiaTravelers$1,757VirginiaAuto-Owners$2,226VirginiaGEICO$2,422VirginiaAllstate$2,582VirginiaProgressive$2,731VirginiaFarmers$3,771VirginiaUSAA*$1,335VermontState Farm$1,100VermontAuto-Owners$1,125VermontNationwide$1,259VermontGEICO$1,262VermontProgressive$1,282VermontVermont Mutual$1,871VermontAllstate$2,114VermontFarmers$2,615VermontUSAA*$852WashingtonState Farm$1,775WashingtonFarmers$1,872WashingtonAllstate$1,928WashingtonGEICO$2,040WashingtonTravelers$2,152WashingtonAmerican Family$2,255WashingtonNationwide$2,572WashingtonProgressive$3,450WashingtonUSAA*$985WisconsinErie Insurance$1,340WisconsinTravelers$1,589WisconsinNationwide$1,928WisconsinState Farm$2,262WisconsinGEICO$2,453WisconsinAllstate$2,627WisconsinProgressive$2,707WisconsinFarmers$2,964WisconsinUSAA*$1,048West VirginiaState Farm$1,614West VirginiaNationwide$1,670West VirginiaErie Insurance$1,723West VirginiaProgressive$2,370West VirginiaAllstate$3,347West VirginiaFarmers$3,422West VirginiaGEICO$4,768West VirginiaUSAA*$1,272WyomingAmerican National$1,171WyomingState Farm$1,437WyomingFarmers$2,184WyomingAllstate$3,120WyomingGEICO$5,162WyomingUSAA*$1,204 *USAA is only available to military community members and their families.Powered by: 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 mileageAlaskaGEICO$1,598$1,583$1,583$1,594$1,632AlaskaState Farm$2,054$2,054–––AlaskaProgressive$2,598$2,551$2,604$2,612$2,624AlaskaUSAA*$1,434$1,362$1,399$1,459$1,518AlabamaState Farm$1,812$1,812–––AlabamaGEICO$2,060$2,039$2,039$2,057$2,105AlabamaProgressive$2,107$2,058$2,104$2,120$2,147ArkansasTravelers$1,383$1,330$1,353$1,401$1,447ArkansasShelter Insurance$1,979$1,937$1,966$1,992$2,020ArkansasState Farm$2,063$2,063–––ArkansasGEICO$2,533$2,507$2,507$2,529$2,590ArkansasAuto Club Enterprises (AAA)$2,769$2,733$2,773$2,773$2,795ArizonaTravelers$1,548$1,506$1,524$1,561$1,598ArizonaProgressive$1,934$1,905$1,931$1,945$1,953ArizonaGEICO$2,215$2,193$2,193$2,216$2,260ArizonaThe Hartford$2,395$2,212$2,306$2,531$2,531ArizonaState Farm$2,446$2,446–––ArizonaCSAA Insurance (AAA)$5,611$5,611$5,611––CaliforniaGEICO$1,947$1,853$1,892$1,954$2,089CaliforniaMercury Insurance$2,044$1,930$2,011$2,093$2,144CaliforniaProgressive$2,315$2,161$2,241$2,379$2,480CaliforniaAllstate$2,393$2,242$2,288$2,428$2,615CaliforniaWawanesa Insurance$2,393$2,280$2,339$2,442$2,512CaliforniaAuto Club Enterprises (AAA)$2,503$2,372$2,513$2,513$2,614CaliforniaState Farm$2,811$2,640$2,758$2,893$2,955CaliforniaTravelers$2,950$2,757$2,838$3,034$3,171CaliforniaNationwide$3,133$2,856$3,006$3,273$3,399CaliforniaKemper$3,378$3,266$3,279$3,403$3,566CaliforniaCSAA Insurance (AAA)$3,431$3,242$3,336$3,498$3,647CaliforniaFarmers$3,832$3,509$3,641$3,952$4,225ColoradoAmerican National$1,352$1,352–––ColoradoProgressive$2,557$2,492$2,556$2,577$2,604ColoradoState Farm$2,808$2,808–––ColoradoCalifornia Casualty$2,816$2,500$2,651$2,930$3,182ColoradoGEICO$2,942$2,908$2,908$2,940$3,014ColoradoUSAA*$2,236$2,113$2,169$2,280$2,383ConnecticutState Farm$2,606$2,606–––ConnecticutThe Hanover$7,668$7,391$7,511$7,703$8,066ConnecticutUSAA*$2,143$2,095$2,136$2,199–Washington, D.C.GEICO$2,453$2,427$2,427$2,449$2,511Washington, D.C.State Farm$3,266$3,266–––Washington, D.C.Allstate$5,560$5,446$5,498$5,547$5,749Washington, 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$2,461DelawareGEICO$2,976$2,947$2,947$2,974$3,035DelawareDonegal Insurance$3,262$3,120$3,183$3,309$3,436DelawareAllstate$5,509$5,346$5,446$5,546$5,697DelawareUSAA*$1,646$1,609$1,640$1,688–FloridaGEICO$2,475$2,394$2,428$2,498$2,581FloridaState Farm$2,716$2,716–––FloridaAllstate$7,043$6,742$6,960$7,146$7,326GeorgiaCentral Insurance$2,622$2,464$2,536$2,675$2,815GeorgiaState Farm$3,620$3,620–––GeorgiaAllstate$4,285$4,024$4,131$4,364$4,620GeorgiaUSAA*$1,977$1,877$1,934$2,010$2,086IowaPekin Insurance$1,337$1,272$1,272$1,342$1,463IowaProgressive$1,412$1,383$1,403$1,419$1,444IowaState Farm$1,427$1,427–––IowaIowa Farm Bureau$1,564$1,564–––IowaGEICO$1,704$1,683$1,683$1,700$1,749IowaAuto-Owners$2,017$2,017$2,017$2,017–IowaAllstate$3,215$3,118$3,208$3,208$3,326IdahoState Farm$1,018$1,018–––IllinoisTravelers$1,274$1,225$1,247$1,290$1,334IllinoisGEICO$1,729$1,709$1,709$1,727$1,770IllinoisErie Insurance$1,907$1,907$1,907$1,907$1,907IllinoisProgressive$2,025$1,997$2,025$2,033$2,046IllinoisAuto 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$5,064IndianaTravelers$1,200$1,153$1,174$1,216$1,257IndianaProgressive$1,584$1,562$1,580$1,590$1,606IndianaGEICO$1,612$1,595$1,595$1,608$1,649IndianaIndiana Farmers Insurance$1,792$1,783$1,783$1,800$1,800IndianaState Farm$2,075$2,075–––KansasProgressive$1,735$1,693$1,726$1,747$1,775KansasShelter Insurance$1,867$1,805$1,832$1,902$1,930KansasIowa Farm Bureau$2,208$2,208–––KansasState Farm$2,271$2,271–––KansasAllstate$4,607$4,489$4,531$4,617$4,790KansasUSAA*$1,168$1,104$1,138$1,189$1,241KentuckyShelter Insurance$1,961$1,917$1,947$1,975$2,004KentuckyKentucky Farm Bureau$2,267$2,267–––KentuckyState Farm$2,351$2,351–––KentuckyProgressive$2,749$2,693$2,744$2,764$2,793LouisianaProgressive$4,162$3,987$4,130$4,190$4,342LouisianaGEICO$4,993$4,934$4,934$5,000$5,105LouisianaState Farm$5,037$5,037–––LouisianaAuto Club Enterprises (AAA)$6,995$6,688$7,091$7,091$7,110LouisianaUSAA*$3,102$2,973$3,044$3,145$3,247MassachusettsState Farm$662$662–––MassachusettsGEICO$1,503$1,488$1,492$1,492$1,540MassachusettsSafety Insurance$1,743$1,662$1,797$1,792$1,438MassachusettsN&D Group$2,040$1,876$1,952$2,111$2,221MassachusettsArbella Insurance$2,119$2,070$2,168––MassachusettsTravelers$2,158$2,071$2,110$2,188$2,263MassachusettsThe Hanover$2,243$2,243–––MassachusettsQuincy Mutual$2,319$2,234$2,327$2,327$2,389MassachusettsFarmers$2,324$2,324–––MassachusettsProgressive$2,345$2,304$2,339$2,359$2,377MassachusettsVermont 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$2,073MarylandProgressive$2,669$2,632$2,666$2,680$2,699MarylandState Farm$2,680$2,680–––MarylandAllstate$6,338$6,206$6,382$6,382$6,382MarylandUSAA*$1,500$1,439$1,470$1,520$1,570MaineTravelers$717$691$702$725$749MaineAuto-Owners$1,060$1,060$1,060$1,060–MaineState Farm$1,790$1,790–––MaineAllstate$2,113$2,070$2,089$2,108$2,183MichiganGEICO$2,059$2,059–––MichiganProgressive$3,004$2,924$2,979$3,038$3,077MichiganTravelers$3,032$3,032$3,032$3,032$3,032MichiganState Farm$5,068$5,068–––MichiganPioneer State Mutual$5,158$4,798$4,942$5,339$5,554MichiganThe Hanover$12,042$11,963$11,963$11,963$12,279MinnesotaAuto 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$3,559MinnesotaAllstate$3,901$3,814$3,852$3,891$4,047MissouriTravelers$1,421$1,374$1,395$1,437$1,480MissouriShelter Insurance$2,276$2,202$2,234$2,317$2,350MissouriProgressive$2,606$2,501$2,588$2,624$2,711MissouriState Farm$2,625$2,625–––MissouriAuto Club Enterprises (AAA)$3,724$3,637$3,750$3,750$3,760MissouriGEICO$5,020$4,964$4,964$5,016$5,135MissouriUSAA*$1,168$1,105$1,138$1,189$1,242MississippiTravelers$1,593$1,550$1,569$1,608$1,646MississippiState Farm$1,771$1,771–––MississippiProgressive$2,235$2,181$2,223$2,248$2,287MississippiShelter Insurance$2,262$2,198$2,226$2,298$2,327MississippiGEICO$2,788$2,788–––MontanaState Farm$1,469$1,469–––MontanaProgressive$2,613$2,567$2,595$2,623$2,668MontanaAllstate$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$1,167North DakotaProgressive$1,434$1,389$1,424$1,444$1,478North DakotaNodak Insurance$1,835$1,835–––North DakotaState Farm$1,842$1,842–––North DakotaAllstate$2,947$2,888$2,915$2,941$3,045NebraskaProgressive$1,761$1,704$1,746$1,773$1,820NebraskaShelter Insurance$1,880$1,819$1,845$1,914$1,941NebraskaState 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$3,417NebraskaUSAA*$1,641$1,560$1,597$1,668$1,740New HampshireThe Hanover$960$956$956$956$971New HampshireAuto-Owners$1,258$1,258$1,258$1,258–New HampshireProgressive$1,372$1,352$1,368$1,377$1,392New HampshireGEICO$1,612$1,595$1,595$1,609$1,650New HampshireState Farm$1,652$1,652–––New HampshireAllstate$2,968$2,900$2,925$2,974$3,073New JerseySelective Insurance$1,738$1,695$1,695$1,780$1,780New JerseyGEICO$1,739$1,739–––New JerseyNJM$2,047$2,011$2,011$2,082$2,082New JerseyProgressive$3,114$3,040$3,098$3,144$3,176New JerseyState Farm$3,416$3,416–––New JerseyAllstate$3,681$3,681–––New MexicoCentral Insurance$2,043$1,920$1,975$2,083$2,194New MexicoGEICO$2,102$2,081$2,081$2,102$2,146New MexicoProgressive$2,206$2,167$2,206$2,218$2,235New MexicoState Farm$2,243$2,243–––New MexicoIowa Farm Bureau$2,817$2,817–––New MexicoAllstate$3,949$3,896$3,896$3,932$4,074New MexicoUSAA*$1,176$1,115$1,148$1,193$1,248NevadaTravelers$2,055$2,000$2,024$2,074$2,124NevadaAmerican Family$3,155$3,073$3,123$3,182$3,240NevadaState Farm$3,350$3,350–––NevadaProgressive$3,605$3,487$3,614$3,640$3,680NevadaGEICO$4,465$4,419$4,419$4,475$4,546NevadaAllstate$4,820$4,506$4,635$4,915$5,224New 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$4,471New YorkTravelers$4,924$4,790$4,848$4,968$5,089New YorkAllstate$5,641$5,535$5,642$5,642$5,747New YorkThe Hanover$7,002$6,494$6,747$7,190$7,579OhioErie Insurance$1,262$1,262$1,262$1,262$1,262OhioGrange Insurance$1,325$1,286$1,303$1,338$1,373OhioTravelers$1,354$1,299$1,324$1,373$1,422OhioProgressive$1,469$1,431$1,456$1,472$1,514OhioGEICO$1,864$1,845$1,845$1,860$1,907OhioAllstate$2,777$2,607$2,677$2,828$2,995OklahomaShelter Insurance$2,339$2,294$2,324$2,353$2,384OklahomaState Farm$2,372$2,372–––OklahomaProgressive$2,832$2,734$2,812$2,849$2,934OklahomaGEICO$3,340$3,309$3,309$3,333$3,408OregonTravelers$1,347$1,295$1,318$1,365$1,411OregonProgressive$1,925$1,892$1,921$1,934$1,954OregonState Farm$1,974$1,974–––OregonGEICO$2,186$2,165$2,165$2,184$2,230PennsylvaniaTravelers$1,640$1,597$1,615$1,654$1,692PennsylvaniaErie Insurance$2,256$2,256$2,256$2,256$2,256PennsylvaniaState Farm$3,004$3,004–––PennsylvaniaGEICO$3,701$3,575$3,591$3,708$3,931PennsylvaniaDonegal Insurance$3,759$3,598$3,669$3,813$3,956PennsylvaniaAllstate$4,755$4,536$4,631$4,829$5,024PennsylvaniaUSAA*$2,841$2,716$2,771$2,882$2,993Rhode IslandState Farm$1,937$1,937–––Rhode IslandAmerican Family$3,322$3,172$3,235$3,387$3,493Rhode IslandGEICO$3,881$3,881–––Rhode IslandQuincy Mutual$3,895$3,712$3,712$4,079$4,079Rhode IslandAllstate$4,411$4,411–––South CarolinaAmerican National$883$883–––South CarolinaProgressive$1,775$1,713$1,761$1,786$1,841South 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$1,679South DakotaState Farm$1,819$1,819–––South DakotaAllstate$2,532$2,472$2,516$2,516$2,626South DakotaProgressive$2,579$2,501$2,548$2,598$2,668South DakotaGEICO$3,120$3,120–––TennesseeTravelers$1,377$1,324$1,348$1,394$1,441TennesseeErie Insurance$1,692$1,692$1,692$1,692$1,692TennesseeProgressive$2,092$2,030$2,075$2,101$2,163TennesseeState Farm$2,304$2,304–––TennesseeGEICO$2,459$2,432$2,432$2,455$2,518TexasRedpoint Insurance$1,659$1,541$1,541$1,777$1,777TexasProgressive$2,851$2,789$2,849$2,865$2,900TexasAuto Club Enterprises (AAA)$3,109$2,906$3,122$3,122$3,284TexasChubb$3,889$3,670$3,771$3,965$4,152TexasUSAA*$1,919$1,828$1,883$1,937$2,028UtahProgressive$2,137$2,089$2,134$2,151$2,173UtahGEICO$2,558$2,532$2,532$2,558$2,611UtahUnited Insurance Co$2,867$2,833$2,843$2,875$2,918UtahState Farm$3,972$3,972–––UtahUSAA*$1,446$1,375$1,416$1,470$1,524VirginiaTravelers$1,191$1,143$1,165$1,207$1,249VirginiaVirginia Farm Bureau$1,404$1,388$1,393$1,407$1,426VirginiaErie Insurance$1,525$1,525$1,525$1,525$1,525VirginiaGEICO$1,694$1,677$1,677$1,692$1,730VirginiaProgressive$1,966$1,939$1,965$1,975$1,985VirginiaState Farm$2,100$2,100–––VirginiaAllstate$3,539$3,323$3,412$3,604$3,815VirginiaUSAA*$1,218$1,144$1,201$1,235$1,293VermontState 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$2,342WashingtonGEICO$2,505$2,470$2,470$2,531$2,550WashingtonPEMCO$2,605$2,536$2,592$2,624$2,667WisconsinTravelers$1,031$991$1,009$1,045$1,080WisconsinSecura Insurance$1,254$1,254$1,254$1,254–WisconsinErie Insurance$1,551$1,551$1,551$1,551$1,551WisconsinAuto Club Group – ACG (AAA)$1,830$1,830$1,830––WisconsinAcuity Insurance$2,045$1,956$1,996$2,074$2,153WisconsinProgressive$2,054$2,000$2,042$2,069$2,103WisconsinState Farm$2,084$2,084–––WisconsinGEICO$2,283$2,258$2,258$2,278$2,337WisconsinAllstate$3,144$3,144–––West VirginiaErie Insurance$1,601$1,601$1,601$1,601$1,601West VirginiaGEICO$1,902$1,825$1,838$1,907$2,037West 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.Powered by: 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. Katrina RaenellContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? Do you have to add a teenage driver to your car insurance policy? What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Our take on car insurance for seniorsAverage car insurance rates for seniorsBest car insurance rates for seniors by age and stateCheapest car insurance for seniorsWhy is auto insurance higher for seniors?Average cost of car insurance for 65-years-old driversAverage cost of car insurance for 70-years-old driversAverage cost of car insurance for 75-years-old driversCheapest car insurance for seniors with penaltiesFactors that affect auto insurance rates for seniorsLow-mileage car insurance for seniorsHow seniors can get lower car insurance ratesFrequently asked questions: Auto insurance for seniorsMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330