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 $1,841. 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: April 3, 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: CompanyAge 65Age 70Age 75Nationwide$1,372$1,439$1,557Travelers$1,471$1,564$1,735Geico$1,662$1,770$1,931State Farm$1,765$1,838$1,971Progressive$1,836$1,977$2,189Farmers$2,144$2,295$2,434Allstate$2,352$2,430$2,647USAA$1,290$1,378$1,533 The average annual cost of car insurance for a 70-year-old driver is $1,841. However, it’s possible to save hundreds a year by researching and shopping around. For example, Nationwide and Travelers offer auto insurance at $1,439 and $1,564, respectively, while Allstate’s annual policies cost $2,430. Learn more about the best car insurance for seniors, including average rates by age, the best car insurance companies offering affordable rates and what impacts car insurance rates as drivers age. 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 for seniors tends to increase with age. Between 65 and 75 years old, they spike 15%, or $268 annually. Nationwide offers the best deal on car insurance for seniors at an average annual cost of $1,372. Drivers aged 65 will find the best cheap senior car insurance rates starting at $1,742 for a full coverage policy. Understanding what factors impact senior car insurance rates and available discounts can help older drivers save on their annual premiums. Best average car insurance rates for seniors Car insurance rates tend to increase for drivers over the age of 65. 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). Full coverage car insurance for 65-year-old seniors costs an average of $1,742 annually. The same insurance coverage for a 75-year-old driver would be $268 more annually at $2,010. Often, car insurance rates increase with assessed risk analysis. For example, senior drivers may be perceived to have higher rates of accidents with injuries. This can cause rates to spike as drivers age. See rates by age in the table below. AgeState minimumLiability onlyFull coverage65$488$632$1,74270$526$676$1,84175$589$748$2,010 To find the best rate for your age group, it’s a good idea to shop around and ask about available car insurance discounts. Car insurance costs for older drivers change over time, with a slow and steady rise in premium prices as the calendar advances. So, car insurance for seniors over 60 typically will cost less than car insurance for seniors over 70. 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.” Coverage costs are also higher if you choose more robust coverage that better protects you. Best full coverage car insurance rates for seniors by age and state You may be looking at cheaper car insurance rates as a senior based on where you live in the United States due to your state’s coverage requirements, population density, rate of crime or driving and accident claim statistics. 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. According to Insure’s Best Car Insurance Companies of 2024, Auto Club of Southern California (AAA) is the best company for senior drivers in 2024. In the table below, learn how your state stacks up for senior car insurance for drivers aged 65. State Age 65 Alaska$1,601Alabama$1,711Arkansas$1,782Arizona$1,707California$2,284Colorado$2,205Connecticut$1,628Washington, D.C.$2,076Delaware$1,966Florida$2,477Georgia$1,872Hawaii$1,517Iowa$1,404Idaho$1,312Illinois$1,400Indiana$1,361Kansas$1,657Kentucky$2,084Louisiana$2,712Massachusetts$1,430Maryland$1,762Maine$1,107Michigan$2,102Minnesota$1,728Missouri$1,776Mississippi$1,839Montana$2,019North Carolina$1,679North Dakota$1,578Nebraska$1,654New Hampshire$1,188New Jersey$1,856New Mexico$1,942Nevada$1,984New York$1,764Ohio$1,314Oklahoma$1,947Oregon$1,555Pennsylvania$1,678Rhode Island$2,086South Carolina$1,878South Dakota$1,950Tennessee$1,548Texas$1,799Utah$1,728Virginia$1,378Vermont$1,215Washington$1,567Wisconsin$1,489West Virginia$1,806Wyoming$1,696 QuickTake Licensing-renewal procedures for elderly drivers Seniors: Take a Class, Get an Auto Insurance Discount See more > Average car insurance cost for seniors from top carriers USAA offers the cheapest car insurance for drivers aged 65, 70 and 75 at an average annual cost of $1,742, $1,841 & $2,010, respectively. However, USAA only provides services to military members, veterans and their families. Other than USAA, Nationwide, Travelers, and Geico are the top companies that offer cheap insurance rates to senior drivers. 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 $526, liability-only costs $676, and a full coverage policy with a 100/300/100 limit costs $1,841 annually. This is $67 to $151 more yearly than the same policies for a 65-year-old driver. AgeState minimumLiability onlyFull coverage70$526$676$1,841 How much is car insurance for seniors at age 75? As seniors’ capabilities to safely drive a vehicle begins to change, such as eyesight, hearing and response time, so do their car insurance premiums. For drivers 75 and older, they can anticipate seeing an additional $185 to $352 annual increase on their average premium. This means for a 75-year-old driver, the state minimum requirement is $589, liability-only costs $748 and a full coverage policy of 100/300/100 limit is $2,010annually. AgeState minimumLiability onlyFull coverage75$589$748$2,010 Cheapest car insurance for seniors Nationwide Insurance offers the cheapest car insurance for senior drivers aged 65, 70, and 75 at an annual average rate of $1,372, $1,439 and $1,557, respectively. This is a little more than $100 monthly and tops out at $129 monthly for drivers 75 years and older. In the table below, learn more about the most affordable car insurance companies for seniors by state, which can serve as a starting point for your comparison shopping and quote requests. State Company Annual premium AlabamaNationwide$1,240AlabamaTravelers$1,435AlabamaUSAA$1,515AlabamaGeico$1,545AlabamaCountry Financial$1,566AlabamaState Farm$1,716AlabamaAuto-Owners$2,192AlabamaAllstate$2,232AlabamaProgressive$2,309AlabamaFarmers$2,603AlaskaGeico$1,120AlaskaUSAA$1,189AlaskaState Farm$1,684AlaskaProgressive$1,931AlaskaWestern National Insurance$2,017AlaskaAllstate$2,429ArizonaGeico$1,284ArizonaTravelers$1,539ArizonaUSAA$1,608ArizonaNationwide$1,623ArizonaAuto-Owners$1,647ArizonaProgressive$1,944ArizonaState Farm$2,191ArizonaFarmers$2,398ArizonaAllstate$2,427ArizonaCSAA Insurance (AAA)$3,423ArkansasUSAA$1,097ArkansasTravelers$1,410ArkansasNationwide$1,417ArkansasShelter Insurance$1,577ArkansasGeico$1,618ArkansasSouthern Farm Bureau$1,780ArkansasState Farm$1,944ArkansasFarmers$2,199ArkansasProgressive$2,299ArkansasAllstate$2,752ArkansasAlfa Insurance$3,072CaliforniaUSAA$1,842CaliforniaGeico$1,935CaliforniaMercury Insurance$2,072CaliforniaState Farm$2,252CaliforniaAuto Club Enterprises (AAA)$2,377CaliforniaProgressive$2,401CaliforniaAllstate$2,414CaliforniaTravelers$2,461CaliforniaCSAA Insurance (AAA)$2,625CaliforniaNationwide$2,709CaliforniaFarmers$2,977CaliforniaKemper$3,150ColoradoGeico$1,430ColoradoUSAA$1,563ColoradoState Farm$1,802ColoradoKemper$2,023ColoradoSouthern Farm Bureau$2,086ColoradoAllstate$2,624ColoradoAuto-Owners$2,682ColoradoProgressive$2,707ColoradoAcuity Insurance$3,540ColoradoFarmers$3,575ConnecticutGeico$1,470ConnecticutKemper$1,667ConnecticutState Farm$1,708ConnecticutProgressive$1,797ConnecticutNationwide$1,806ConnecticutFarmers$2,118ConnecticutAllstate$2,307ConnecticutAmica$2,625ConnecticutThe Hanover$3,912ConnecticutUSAA$700DelawareNationwide$1,457DelawareUSAA$1,457DelawareTravelers$1,572DelawareGeico$1,642DelawareState Farm$2,189DelawareProgressive$2,205DelawareDonegal Insurance$2,519DelawareAmerican Family$2,663DelawareAllstate$3,616DelawareSentry Insurance$3,851FloridaGeico$2,036FloridaState Farm$2,050FloridaNationwide$2,169FloridaTravelers$2,350FloridaUAIC$2,702FloridaProgressive$2,883FloridaNational General$3,103FloridaMercury Insurance$3,254FloridaFarmers$3,286FloridaAllstate$3,506GeorgiaAuto-Owners$1,673GeorgiaProgressive$1,698GeorgiaUSAA$1,707GeorgiaCountry Financial$1,764GeorgiaAllstate$2,052GeorgiaCentral Insurance$2,053GeorgiaGeico$2,134GeorgiaState Farm$2,277GeorgiaMercury Insurance$2,288GeorgiaSafeway Insurance$2,853HawaiiUSAA$1,067HawaiiGeico$1,184HawaiiProgressive$1,279HawaiiFarmers$1,495HawaiiIsland Insurance$1,771HawaiiAllstate$1,882HawaiiState Farm$1,938IdahoState Farm$1,085IdahoIdaho Farm Bureau$1,360IdahoNationwide$1,404IdahoTravelers$1,453IdahoGeico$1,489IdahoFarmers$1,581IdahoAllstate$1,877IdahoSentry Insurance$2,135IdahoUSAA$761IdahoAuto-Owners$973IllinoisGeico$1,033IllinoisTravelers$1,148IllinoisAuto-Owners$1,397IllinoisProgressive$1,459IllinoisCountry Financial$1,475IllinoisState Farm$1,553IllinoisErie Insurance$1,593IllinoisUSAA$1,689IllinoisAllstate$2,803IllinoisAuto Club Group – ACG (AAA)$992IndianaNationwide$1,194IndianaAuto-Owners$1,202IndianaTravelers$1,289IndianaProgressive$1,539IndianaState Farm$1,545IndianaIndiana Farmers Insurance$1,615IndianaFarmers$1,951IndianaIndiana Farm Bureau$1,990IndianaAllstate$2,257IndianaUSAA$832IndianaGeico$892IowaUSAA$1,111IowaTravelers$1,162IowaState Farm$1,180IowaWest Bend Insurance Company$1,317IowaAuto-Owners$1,334IowaProgressive$1,341IowaGeico$1,490IowaIMT Insurance$1,507IowaIowa Farm Bureau$1,528IowaAllstate$2,022IowaGrinnell Mutual$2,161KansasUSAA$1,078KansasNationwide$1,102KansasTravelers$1,401KansasState Farm$1,777KansasIowa Farm Bureau$1,792KansasProgressive$1,795KansasShelter Insurance$1,796KansasGeico$1,861KansasFarmers$1,876KansasAllstate$2,963KentuckyTravelers$1,782KentuckyShelter Insurance$1,785KentuckyUSAA$1,872KentuckyKentucky Farm Bureau$1,929KentuckyAuto-Owners$1,999KentuckyGeico$2,310KentuckyState Farm$2,634KentuckyProgressive$2,727KentuckyAllstate$3,167KentuckyFarmers$3,465LouisianaUSAA$2,045LouisianaSouthern Farm Bureau$2,363LouisianaFarmers$2,634LouisianaSafeway Insurance$2,797LouisianaGeico$2,817LouisianaLouisiana Farm Bureau$2,874LouisianaProgressive$2,994LouisianaState Farm$3,472LouisianaAuto Club Enterprises (AAA)$3,635MaineAllstate$1,058MaineProgressive$1,096MaineGeico$1,157MaineState Farm$1,216MaineMMG Insurance$1,411MaineFrankenmuth Insurance$1,416MaineFarmers$1,666MaineAuto-Owners$683MaineTravelers$735MaineUSAA$827MarylandUSAA$1,019MarylandNationwide$1,330MarylandGeico$1,418MarylandTravelers$1,738MarylandErie Insurance$1,768MarylandPenn National Insurance$1,827MarylandKemper$1,850MarylandProgressive$1,956MarylandState Farm$2,191MarylandAllstate$3,232MassachusettsUSAA$1,179MassachusettsArbella Insurance$1,336MassachusettsSafety Insurance$1,345MassachusettsPlymouth Rock Assurance$1,454MassachusettsFarmers$1,677MassachusettsProgressive$1,953MassachusettsTravelers$2,057MassachusettsAllstate$2,072MassachusettsAmica$2,105MassachusettsState Farm$523MassachusettsGeico$923MichiganUSAA$1,585MichiganTravelers$1,790MichiganProgressive$1,968MichiganAuto-Owners$2,011MichiganGeico$2,313MichiganAuto Club Group – ACG (AAA)$2,315MichiganPioneer State Mutual$2,333MichiganFrankenmuth Insurance$2,685MichiganMichigan Farm Bureau$2,773MichiganState Farm$3,473MinnesotaNationwide$1,191MinnesotaUSAA$1,361MinnesotaState Farm$1,368MinnesotaTravelers$1,480MinnesotaAuto-Owners$1,544MinnesotaAuto Club Group – ACG (AAA)$1,591MinnesotaNorth Star Mutual$2,022MinnesotaAllstate$2,461MinnesotaGeico$2,483MinnesotaWestern National Insurance$3,029MississippiNationwide$1,245MississippiUSAA$1,369MississippiTravelers$1,611MississippiState Farm$1,703MississippiSouthern Farm Bureau$1,737MississippiProgressive$1,961MississippiShelter Insurance$2,281MississippiAllstate$2,542MississippiGeico$2,582MississippiSafeway Insurance$2,939MissouriUSAA$1,084MissouriNationwide$1,236MissouriTravelers$1,440MissouriMissouri Farm Bureau$1,698MissouriShelter Insurance$1,763MissouriProgressive$1,865MissouriState Farm$1,901MissouriAuto Club Enterprises (AAA)$2,263MissouriAllstate$2,671MissouriGeico$3,030MontanaNationwide$1,270MontanaState Farm$1,739MontanaKemper$2,311MontanaProgressive$2,335MontanaGeico$2,636MontanaAllstate$2,900MontanaFarmers$2,923MontanaUSAA$934NebraskaNationwide$1,040NebraskaAuto-Owners$1,178NebraskaUSAA$1,244NebraskaShelter Insurance$1,530NebraskaProgressive$1,618NebraskaFarmers Mutual of Nebraska$1,624NebraskaIowa Farm Bureau$1,961NebraskaState Farm$2,115NebraskaAllstate$2,355NebraskaGeico$2,598NevadaState Farm$1,431NevadaGeico$1,731NevadaUSAA$1,772NevadaTravelers$2,127NevadaMercury Insurance$2,274NevadaAmerican Family$2,451NevadaFarmers$2,466NevadaProgressive$2,515NevadaAllstate$2,682NevadaCSAA Insurance (AAA)$3,660New HampshireState Farm$1,123New HampshireNationwide$1,133New HampshireMMG Insurance$1,188New HampshireGeico$1,277New HampshireProgressive$1,426New HampshireFarmers$1,918New HampshireAllstate$2,361New HampshireAuto-Owners$852New HampshireUSAA$936New HampshireThe Hanover$940New JerseyNJM$1,229New JerseyGeico$1,505New JerseyTravelers$1,758New JerseySelective Insurance$1,873New JerseyPlymouth Rock Assurance$1,886New JerseyState Farm$2,100New JerseyAllstate$2,342New JerseyProgressive$2,431New JerseyFarmers$2,611New MexicoUSAA$1,114New MexicoGeico$1,418New MexicoProgressive$1,583New MexicoState Farm$1,604New MexicoCentral Insurance$1,677New MexicoNationwide$1,699New MexicoIowa Farm Bureau$2,654New MexicoFarmers$2,809New MexicoAllstate$2,905New MexicoKemper$3,230New YorkProgressive$1,049New YorkNYCM Insurance$1,367New YorkUSAA$1,698New YorkErie Insurance$1,838New YorkState Farm$1,874New YorkGeico$1,932New YorkAllstate$2,067New YorkThe Hanover$2,278New YorkChubb$2,724New YorkTravelers$2,774North CarolinaErie Insurance$1,165North CarolinaNorth Carolina Farm Bureau$1,232North CarolinaState Farm$1,262North CarolinaNationwide$1,435North CarolinaGeico$1,620North CarolinaPenn National Insurance$1,872North CarolinaFarmers$2,028North CarolinaProgressive$2,028North CarolinaUtica National Insurance Group$2,031North CarolinaAllstate$2,647North DakotaNationwide$1,029North DakotaProgressive$1,346North DakotaState Farm$1,585North DakotaAuto-Owners$1,587North DakotaNorth Star Mutual$1,727North DakotaFarmers$1,809North DakotaNodak Insurance$1,983North DakotaAllstate$2,293North DakotaGeico$2,793North DakotaUSAA$773North DakotaAmerican Family$983OhioGrange Insurance$1,004OhioAuto-Owners$1,138OhioErie Insurance$1,221OhioTravelers$1,362OhioGeico$1,415OhioCincinnati Insurance$1,615OhioWestfield Insurance$1,645OhioProgressive$1,678OhioFarmers$1,789OhioAllstate$1,914OhioUSAA$987OklahomaProgressive$1,042OklahomaUSAA$1,482OklahomaState Farm$1,733OklahomaGeico$1,849OklahomaShelter Insurance$1,928OklahomaAFR Insurance$2,155OklahomaMercury Insurance$2,186OklahomaFarmers$2,667OklahomaAllstate$2,709OklahomaOklahoma Farm Bureau$2,847OregonNationwide$1,304OregonUSAA$1,315OregonTravelers$1,350OregonGeico$1,373OregonOregon Mutual Insurance$1,464OregonCountry Financial$1,465OregonState Farm$1,467OregonProgressive$1,837OregonFarmers$2,277OregonAllstate$3,007PennsylvaniaNationwide$1,079PennsylvaniaErie Insurance$1,600PennsylvaniaWestfield Insurance$1,782PennsylvaniaUSAA$1,796PennsylvaniaDonegal Insurance$2,098PennsylvaniaGeico$2,210PennsylvaniaProgressive$2,332PennsylvaniaState Farm$2,355PennsylvaniaAllstate$2,544PennsylvaniaTravelers$902Rhode IslandUSAA$1,215Rhode IslandState Farm$1,330Rhode IslandNationwide$1,817Rhode IslandProgressive$1,991Rhode IslandAmerican Family$2,089Rhode IslandTravelers$2,279Rhode IslandGeico$2,431Rhode IslandAmica$2,463Rhode IslandAllstate$2,995Rhode IslandFarmers$3,273South CarolinaUSAA$1,443South CarolinaAuto-Owners$1,545South CarolinaProgressive$1,787South CarolinaTravelers$1,983South CarolinaSouthern Farm Bureau$1,999South CarolinaState Farm$2,023South CarolinaGeico$2,272South CarolinaAllstate$2,527South CarolinaSentry Insurance$3,475South DakotaNationwide$1,243South DakotaUSAA$1,628South DakotaFarmers Mutual of Nebraska$1,657South DakotaState Farm$1,818South DakotaFarmers$1,841South DakotaAllstate$1,963South DakotaIowa Farm Bureau$2,062South DakotaAuto-Owners$2,147South DakotaGeico$2,233South DakotaNorth Star Mutual$2,615South DakotaProgressive$2,748StateCompany (cheap car insurance providers)Avg premiumTennesseeUSAA$1,190TennesseeFarm Bureau Insurance of Tennessee$1,227TennesseeTravelers$1,419TennesseeGeico$1,536TennesseeState Farm$1,601TennesseeNationwide$1,625TennesseeErie Insurance$1,639TennesseeProgressive$1,679TennesseeFarmers$1,744TennesseeAllstate$3,068TexasTexas Farm Bureau$1,072TexasNationwide$1,478TexasGeico$1,536TexasRedpoint Insurance$1,681TexasState Farm$1,817TexasUSAA$1,832TexasAuto Club Enterprises (AAA)$2,034TexasAllstate$2,833TexasProgressive$2,984UtahNationwide$1,095UtahUSAA$1,327UtahGeico$1,420UtahAuto-Owners$1,525UtahProgressive$1,859UtahState Farm$2,115UtahUnited Insurance Co$2,296UtahIowa Farm Bureau$2,308UtahAllstate$2,371UtahFarmers$2,705VermontAuto-Owners$1,054VermontState Farm$1,106VermontGeico$1,323VermontVermont Mutual$1,550VermontCo-operative Insurance Companies$1,581VermontAllstate$1,912VermontFarmers$2,011VermontUSAA$819VermontNationwide$917VermontProgressive$927VirginiaTravelers$1,176VirginiaUSAA$1,267VirginiaVirginia Farm Bureau$1,289VirginiaGeico$1,331VirginiaErie Insurance$1,345VirginiaState Farm$1,415VirginiaAuto-Owners$1,471VirginiaAllstate$2,073VirginiaProgressive$2,157VirginiaFarmers$3,374WashingtonGeico$1,142WashingtonTravelers$1,512WashingtonNationwide$1,516WashingtonPEMCO$1,655WashingtonState Farm$1,741WashingtonFarmers$1,810WashingtonAllstate$1,856WashingtonAmerican Family$2,021WashingtonProgressive$2,726WashingtonUSAA$977Washington, D.C.USAA$1,319Washington, D.C.Geico$1,520Washington, D.C.Progressive$1,568Washington, D.C.Erie Insurance$1,680Washington, D.C.State Farm$2,373Washington, D.C.Nationwide$2,569Washington, D.C.Chubb$2,839Washington, D.C.Allstate$3,905West VirginiaNationwide$1,189West VirginiaUSAA$1,293West VirginiaState Farm$1,596West VirginiaErie Insurance$1,745West VirginiaProgressive$1,989West VirginiaWestfield Insurance$2,025West VirginiaFarmers$2,141West VirginiaGeico$2,166West VirginiaEncova Insurance$2,725West VirginiaAllstate$3,145WisconsinTravelers$1,032WisconsinNationwide$1,103WisconsinGeico$1,279WisconsinErie Insurance$1,373WisconsinWest Bend Insurance Company$1,414WisconsinAcuity Insurance$1,822WisconsinProgressive$2,068WisconsinFarmers$2,070WisconsinState Farm$2,174WisconsinAllstate$2,449WisconsinUSAA$993WyomingUSAA$1,198WyomingState Farm$1,370WyomingFarmers$1,704WyomingGeico$2,770WyomingAllstate$2,805WyomingAmerican National$879 Finding cheap senior car insurance may be your sole focus as an older driver — so much so that you may skip over doing your research. 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.” Is auto insurance higher for senior citizens? Senior drivers, particularly those over 65, pay higher insurance rates. This increase is due to insurers perceiving older drivers as higher risk. 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 typically higher for teen drivers, but they tend to decrease significantly once they turn 25. However, rates start to rise again as drivers age. According to an analysis by Insure.com, insurance rates generally begin to increase after drivers reach age 65. For example, a 45-year-old driver may pay $1,869 for car insurance, while a 75-year-old could pay $2,010 for the same coverage. AgeAverage annual ratesSemi-annual ratesAverage monthly rates45$1,869$935$15650$1,790$895$14955$1,737$869$14560$1,717$859$14365$1,742$871$14570$1,841$921$15375$2,010$1,005$168 Average cost of car insurance for seniors at 65-years-old On average, 65-year-old drivers pay the least for their demographic. This is due to insurance companies assessing an increase in risk as drivers age and a higher likelihood of accidents, injuries and claims for those age 70 and older. Nationwide offers the cheapest full coverage insurance for 65-year-old drivers at $1,372 annually for full coverage. USAA offers cheaper options for those who have been military members or in a military member household, starting at $341. Geico has the cheapest state minimum coverage at $409 per year. The most expensive insurance premium for 65-year-olds is from Allstate at $2,352 annually for a full coverage policy. Learn what other insurance companies offer 65-year-old drivers in the chart below. Top Companies for the age 65State minimumLiability onlyFull coverageAllstate$695$847$2,352Farmers$637$964$2,144Geico$409$565$1,662Nationwide$496$618$1,372Progressive$540$684$1,836State Farm$464$603$1,765Travelers$515$642$1,471USAA$341$443$1,290 Average cost of car insurance for seniors at 70-years-old Senior drivers’ insurance premiums will begin to increase at age 70 because of an assessed higher likelihood of accidents, injuries and claims. Geico offers the cheapest insurance for 70-year-old drivers at $455 annually for state minimum coverage. Nationwide offers the cheapest full coverage policy at $1,439. USAA offers cheaper options for military members or those in a military member household, starting at $380 annually for the state minimum. The most expensive insurance premium for 70-year-olds is from Allstate at $2,430 annually for a full coverage policy. Learn what other insurance companies offer 70-year-old drivers in the chart below. Top Companies for the age 70State minimumLiability onlyFull coverageAllstate$726$880$2,430Farmers$691$1,022$2,295Geico$455$614$1,770Nationwide$535$659$1,439Progressive$578$734$1,977State Farm$487$630$1,838Travelers$547$681$1,564USAA$380$488$1,378 Average cost of car insurance for seniors at 75-years-old Drivers over the age of 75 will see the steepest hikes and most costly car insurance rates. As drivers age, their capabilities may begin to deteriorate, such as their eyesight, hearing and failure to respond quickly to situations while driving. Insurance companies will assess this as an increased risk and raise rates. The cheapest insurance for 75-year-old drivers is offered by Geico at $509 annually for state minimum coverage. For full coverage, Nationwide is the cheapest at $1,557 for a full coverage policy. USAA offers cheaper options for those who have been military members or in a military member household, starting at $433 annually. The most expensive insurance premium for 75-year-old drivers is from Allstate at $2,647 annually for a full coverage policy. Learn what other insurance companies offer 75-year-old drivers in the chart below. Top Companies for the age 75State minimumLiability onlyFull coverageAllstate$816$981$2,647Farmers$757$1,082$2,434Geico$509$675$1,931Nationwide$591$720$1,557Progressive$648$819$2,189State Farm$538$690$1,971Travelers$607$750$1,735USAA$433$549$1,533 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 example, a DUI can nearly double your car insurance rate by 107%, or an increase of $1,870. An at-fault accident could see a 64% increase in your rate, while having prior claims on your driving record may increase your rate by 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 Company Avg. premium AlaskaState Farm$1,808AlaskaGeico$1,867AlaskaAllstate$3,607AlaskaProgressive$3,676AlaskaUSAA$1,767AlabamaState Farm$1,961AlabamaNationwide$1,993AlabamaTravelers$2,026AlabamaGeico$2,458AlabamaAuto-Owners$2,545AlabamaAllstate$3,359AlabamaProgressive$3,975AlabamaFarmers$4,135AlabamaUSAA$2,328ArkansasTravelers$2,003ArkansasState Farm$2,120ArkansasNationwide$2,314ArkansasGeico$2,568ArkansasFarmers$3,340ArkansasProgressive$3,611ArkansasAllstate$3,918ArkansasUSAA$1,606ArizonaGeico$1,821ArizonaAuto-Owners$2,085ArizonaTravelers$2,153ArizonaNationwide$2,195ArizonaState Farm$2,364ArizonaProgressive$3,076ArizonaAllstate$3,324ArizonaFarmers$3,611ArizonaCSAA Insurance (AAA)$4,956ArizonaUSAA$2,471CaliforniaMercury Insurance$3,288CaliforniaProgressive$3,547CaliforniaAuto Club Enterprises (AAA)$3,572CaliforniaState Farm$3,622CaliforniaGeico$3,727CaliforniaCSAA Insurance (AAA)$3,824CaliforniaTravelers$4,022CaliforniaFarmers$4,661CaliforniaNationwide$4,824CaliforniaAllstate$5,563CaliforniaUSAA$2,927ColoradoState Farm$1,976ColoradoKemper$2,578ColoradoGeico$2,627ColoradoAllstate$3,550ColoradoAuto-Owners$3,629ColoradoProgressive$4,278ColoradoFarmers$5,400ColoradoUSAA$2,290ConnecticutState Farm$1,717ConnecticutGeico$1,781ConnecticutKemper$2,563ConnecticutProgressive$2,693ConnecticutNationwide$2,778ConnecticutAmica$3,585ConnecticutAllstate$3,697ConnecticutFarmers$4,195ConnecticutThe Hanover$6,508ConnecticutUSAA$1,004Washington, D.C.Erie Insurance$2,080Washington, D.C.Progressive$2,529Washington, 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$1,494DelawareNationwide$1,895DelawareState Farm$2,345DelawareProgressive$2,790DelawareGeico$3,441DelawareAmerican Family$3,596DelawareAllstate$5,826DelawareSentry Insurance$6,159FloridaState Farm$2,258FloridaGeico$2,871FloridaNationwide$2,885FloridaTravelers$3,208FloridaNational General$3,884FloridaProgressive$4,102FloridaFarmers$4,647FloridaAllstate$5,910FloridaMercury Insurance$6,374GeorgiaAuto-Owners$2,245GeorgiaCountry Financial$2,261GeorgiaState Farm$2,489GeorgiaGeico$2,773GeorgiaAllstate$3,016GeorgiaProgressive$3,216GeorgiaMercury Insurance$5,119GeorgiaUSAA$2,498HawaiiGeico$1,727HawaiiProgressive$1,842HawaiiState Farm$2,307HawaiiIsland Insurance$2,361HawaiiFarmers$2,428HawaiiAllstate$2,869HawaiiUSAA$1,310IowaState Farm$1,296IowaTravelers$1,656IowaAuto-Owners$1,723IowaProgressive$2,036IowaGeico$2,647IowaAllstate$2,810IowaUSAA$1,695IdahoState Farm$1,190IdahoAuto-Owners$1,294IdahoTravelers$1,571IdahoNationwide$1,988IdahoGeico$2,009IdahoFarmers$2,593IdahoAllstate$2,911IdahoUSAA$1,131IllinoisAuto Club Group – ACG (AAA)$1,169IllinoisAuto-Owners$1,661IllinoisTravelers$1,662IllinoisState Farm$1,695IllinoisErie Insurance$1,895IllinoisGeico$2,103IllinoisProgressive$2,245IllinoisAllstate$4,832IllinoisUSAA$2,293IndianaAuto-Owners$1,418IndianaState Farm$1,767IndianaTravelers$1,831IndianaNationwide$1,914IndianaGeico$1,925IndianaProgressive$2,884IndianaAllstate$3,362IndianaFarmers$3,362IndianaUSAA$1,212KansasNationwide$1,843KansasState Farm$1,914KansasTravelers$1,999KansasProgressive$2,786KansasGeico$3,019KansasFarmers$3,343KansasAllstate$4,389KansasUSAA$1,618KentuckyKentucky Farm Bureau$2,456KentuckyAuto-Owners$2,494KentuckyTravelers$2,568KentuckyState Farm$2,849KentuckyGeico$3,656KentuckyProgressive$4,097KentuckyAllstate$5,784KentuckyFarmers$6,585KentuckyUSAA$2,934LouisianaSouthern Farm Bureau$2,969LouisianaSafeway Insurance$3,390LouisianaState Farm$3,870LouisianaFarmers$4,329LouisianaAuto Club Enterprises (AAA)$5,128LouisianaProgressive$5,597LouisianaGeico$6,199LouisianaUSAA$3,292MassachusettsState Farm$785MassachusettsGeico$1,340MassachusettsArbella Insurance$1,472MassachusettsSafety Insurance$2,227MassachusettsTravelers$2,798MassachusettsProgressive$2,878MassachusettsFarmers$3,205MassachusettsAllstate$3,396MassachusettsUSAA$1,658MarylandGeico$2,074MarylandNationwide$2,358MarylandErie Insurance$2,504MarylandState Farm$2,631MarylandTravelers$2,811MarylandProgressive$3,060MarylandKemper$3,840MarylandAllstate$5,109MarylandUSAA$1,891MaineAuto-Owners$1,014MaineTravelers$1,162MaineState Farm$1,423MaineAllstate$1,514MaineFrankenmuth Insurance$1,790MaineProgressive$1,829MaineGeico$1,900MaineFarmers$2,297MaineUSAA$1,255MichiganAuto-Owners$2,239MichiganProgressive$2,629MichiganAuto Club Group – ACG (AAA)$3,303MichiganGeico$3,312MichiganTravelers$3,603MichiganState Farm$3,916MichiganUSAA$2,364MinnesotaState Farm$1,547MinnesotaNationwide$1,669MinnesotaAuto-Owners$1,895MinnesotaTravelers$2,169MinnesotaAuto Club Group – ACG (AAA)$3,081MinnesotaGeico$3,889MinnesotaAllstate$4,061MinnesotaUSAA$2,032MissouriTravelers$1,916MissouriNationwide$1,934MissouriState Farm$2,130MissouriProgressive$2,637MissouriAuto Club Enterprises (AAA)$3,189MissouriAllstate$3,590MissouriGeico$5,870MissouriUSAA$1,514MississippiState Farm$1,923MississippiNationwide$2,059MississippiTravelers$2,246MississippiProgressive$3,304MississippiAllstate$3,640MississippiGeico$3,728MississippiShelter Insurance$4,400MississippiUSAA$1,993MontanaState Farm$1,854MontanaKemper$3,282MontanaProgressive$3,526MontanaGeico$3,611MontanaFarmers$3,930MontanaAllstate$4,237MontanaUSAA$1,179North CarolinaState Farm$1,660North CarolinaErie Insurance$1,694North CarolinaNorth Carolina Farm Bureau$1,710North CarolinaNationwide$2,612North CarolinaProgressive$2,917North CarolinaFarmers$2,938North CarolinaGeico$3,359North CarolinaAllstate$5,089North DakotaNationwide$1,400North DakotaState Farm$1,716North DakotaAuto-Owners$1,862North DakotaProgressive$2,077North DakotaAllstate$2,490North DakotaFarmers$2,718North DakotaGeico$5,902North DakotaUSAA$1,149NebraskaAuto-Owners$1,638NebraskaNationwide$1,800NebraskaState Farm$2,359NebraskaProgressive$2,987NebraskaAllstate$3,195NebraskaGeico$4,997NebraskaUSAA$1,920New HampshireThe Hanover$1,088New HampshireState Farm$1,126New HampshireAuto-Owners$1,136New HampshireNationwide$1,534New HampshireProgressive$2,146New HampshireGeico$2,284New HampshireFarmers$2,949New HampshireAllstate$3,252New HampshireUSAA$1,301New JerseyNJM$1,255New JerseyGeico$2,168New JerseyPlymouth Rock Assurance$2,643New JerseyTravelers$2,913New JerseyState Farm$3,414New JerseyProgressive$4,401New JerseyFarmers$4,788New JerseyAllstate$5,100New MexicoState Farm$1,754New MexicoProgressive$2,248New MexicoGeico$2,453New MexicoNationwide$2,761New MexicoIowa Farm Bureau$3,375New MexicoKemper$3,798New MexicoFarmers$4,113New MexicoAllstate$4,361New MexicoUSAA$1,684NevadaState Farm$1,555NevadaTravelers$2,898NevadaGeico$3,376NevadaAllstate$3,518NevadaFarmers$3,691NevadaAmerican Family$3,763NevadaProgressive$3,836NevadaMercury Insurance$4,830NevadaCSAA Insurance (AAA)$5,601NevadaUSAA$2,331New YorkProgressive$1,431New YorkState Farm$2,026New YorkErie Insurance$2,279New YorkGeico$2,419New YorkAllstate$2,487New YorkTravelers$3,126New YorkUSAA$1,673OhioErie Insurance$1,354OhioAuto-Owners$1,506OhioTravelers$1,998OhioGeico$2,760OhioAllstate$2,812OhioProgressive$2,951OhioFarmers$3,225OhioUSAA$1,517OklahomaProgressive$1,730OklahomaState Farm$1,875OklahomaShelter Insurance$2,385OklahomaOklahoma Farm Bureau$3,063OklahomaAllstate$3,605OklahomaGeico$3,693OklahomaFarmers$4,078OklahomaMercury Insurance$4,522OklahomaUSAA$2,288OregonNationwide$1,592OregonState Farm$1,730OregonTravelers$1,911OregonProgressive$3,007OregonGeico$3,281OregonFarmers$3,873OregonAllstate$4,847OregonUSAA$2,079PennsylvaniaTravelers$1,128PennsylvaniaNationwide$1,498PennsylvaniaErie Insurance$1,867PennsylvaniaState Farm$2,513PennsylvaniaAllstate$2,932PennsylvaniaProgressive$2,998PennsylvaniaGeico$3,470PennsylvaniaUSAA$2,360Rhode IslandState Farm$1,464Rhode IslandProgressive$2,087Rhode IslandNationwide$2,136Rhode IslandTravelers$2,392Rhode IslandAmerican Family$2,612Rhode IslandAmica$2,797Rhode IslandGeico$2,813Rhode IslandAllstate$3,468Rhode IslandFarmers$3,597South CarolinaAuto-Owners$1,900South CarolinaState Farm$2,293South CarolinaTravelers$2,683South CarolinaGeico$2,851South CarolinaProgressive$3,105South CarolinaAllstate$4,074South CarolinaUSAA$2,235South DakotaState Farm$1,937South DakotaNationwide$2,166South DakotaFarmers$2,533South DakotaAllstate$2,849South DakotaAuto-Owners$2,987South DakotaProgressive$3,539South DakotaGeico$3,719South DakotaUSAA$2,466TennesseeState Farm$1,778TennesseeErie Insurance$1,957TennesseeTravelers$2,089TennesseeNationwide$2,451TennesseeGeico$2,702TennesseeFarmers$2,721TennesseeProgressive$2,775TennesseeAllstate$4,722TennesseeUSAA$1,821TexasState Farm$2,041TexasGeico$2,326TexasNationwide$2,398TexasAuto Club Enterprises (AAA)$3,055TexasAllstate$4,203TexasProgressive$4,550TexasUSAA$2,906UtahNationwide$1,802UtahState Farm$2,308UtahAuto-Owners$2,397UtahProgressive$2,766UtahGeico$2,850UtahAllstate$3,245UtahFarmers$4,610UtahUSAA$1,974VirginiaState Farm$1,559VirginiaErie Insurance$1,642VirginiaTravelers$1,705VirginiaGeico$2,018VirginiaProgressive$3,252VirginiaAllstate$4,102VirginiaFarmers$5,135VirginiaUSAA$1,803VermontState Farm$1,189VermontNationwide$1,279VermontAuto-Owners$1,483VermontProgressive$1,698VermontVermont Mutual$1,718VermontGeico$1,952VermontAllstate$2,569VermontFarmers$2,653VermontUSAA$1,180WashingtonState Farm$1,916WashingtonTravelers$2,082WashingtonGeico$2,128WashingtonAllstate$2,502WashingtonNationwide$2,503WashingtonAmerican Family$2,710WashingtonFarmers$2,923WashingtonProgressive$4,843WashingtonUSAA$1,243WisconsinTravelers$1,544WisconsinErie Insurance$1,638WisconsinNationwide$1,986WisconsinGeico$2,409WisconsinState Farm$2,446WisconsinFarmers$3,040WisconsinAllstate$3,697WisconsinProgressive$3,807WisconsinUSAA$1,419West VirginiaState Farm$1,663West VirginiaNationwide$1,727West VirginiaErie Insurance$1,851West VirginiaWestfield Insurance$2,880West VirginiaProgressive$2,927West VirginiaFarmers$2,997West VirginiaAllstate$4,258West VirginiaGeico$4,469West VirginiaUSAA$1,755WyomingAmerican National$1,362WyomingState Farm$1,543WyomingFarmers$2,203WyomingAllstate$3,745WyomingGeico$3,948WyomingUSAA$1,383 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 Company Average premium AlaskaState Farm$1,670AlaskaGeico$2,362AlaskaProgressive$2,397AlaskaAllstate$3,441AlaskaUSAA$2,016AlabamaState Farm$1,759AlabamaTravelers$2,166AlabamaNationwide$2,580AlabamaProgressive$2,766AlabamaAllstate$2,865AlabamaGeico$3,352AlabamaAuto-Owners$3,789AlabamaFarmers$5,023AlabamaUSAA$2,960ArkansasState Farm$1,965ArkansasTravelers$2,131ArkansasProgressive$2,508ArkansasGeico$3,001ArkansasNationwide$3,064ArkansasAllstate$3,525ArkansasFarmers$4,608ArkansasUSAA$1,953ArizonaProgressive$2,183ArizonaState Farm$2,187ArizonaTravelers$2,316ArizonaAuto-Owners$2,672ArizonaGeico$2,720ArizonaNationwide$3,262ArizonaAllstate$3,874ArizonaFarmers$4,235ArizonaCSAA Insurance (AAA)$5,251ArizonaUSAA$3,509CaliforniaMercury Insurance$3,318CaliforniaGeico$4,628CaliforniaTravelers$4,925CaliforniaProgressive$5,208CaliforniaAuto Club Enterprises (AAA)$6,827CaliforniaNationwide$7,296CaliforniaState Farm$7,564CaliforniaCSAA Insurance (AAA)$9,066CaliforniaAllstate$9,330CaliforniaFarmers$11,877CaliforniaUSAA$5,528ColoradoState Farm$1,844ColoradoGeico$2,647ColoradoAllstate$3,121ColoradoProgressive$3,209ColoradoKemper$4,162ColoradoAuto-Owners$4,258ColoradoFarmers$6,733ColoradoUSAA$3,068ConnecticutState Farm$1,717ConnecticutProgressive$1,984ConnecticutKemper$2,431ConnecticutAllstate$2,963ConnecticutNationwide$3,544ConnecticutGeico$4,413ConnecticutFarmers$4,711ConnecticutAmica$9,743ConnecticutThe Hanover$22,276ConnecticutUSAA$1,238Washington, 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$2,093DelawareState Farm$2,160DelawareTravelers$2,648DelawareProgressive$2,759DelawareNationwide$2,814DelawareGeico$3,784DelawareAllstate$4,677DelawareSentry Insurance$4,783DelawareAmerican Family$7,210DelawareUSAA$2,529FloridaState Farm$2,100FloridaProgressive$3,000FloridaNational General$3,041FloridaTravelers$3,531FloridaGeico$3,612FloridaAllstate$4,376FloridaNationwide$4,418FloridaMercury Insurance$5,532FloridaFarmers$7,694GeorgiaState Farm$2,298GeorgiaCountry Financial$2,460GeorgiaProgressive$2,645GeorgiaAllstate$2,682GeorgiaAuto-Owners$3,010GeorgiaMercury Insurance$3,275GeorgiaGeico$4,545GeorgiaUSAA$3,014HawaiiProgressive$2,050HawaiiState Farm$2,123HawaiiFarmers$2,586HawaiiAllstate$4,769HawaiiGeico$8,260HawaiiIsland Insurance$15,066HawaiiUSAA$2,146IowaState Farm$1,215IowaProgressive$1,381IowaTravelers$1,782IowaAllstate$2,519IowaGeico$2,822IowaAuto-Owners$3,276IowaUSAA$1,747IdahoState Farm$1,098IdahoTravelers$1,684IdahoAuto-Owners$1,979IdahoFarmers$2,063IdahoAllstate$2,446IdahoNationwide$3,042IdahoGeico$3,688IdahoUSAA$1,486IllinoisState Farm$1,566IllinoisProgressive$1,669IllinoisTravelers$1,801IllinoisAuto Club Group – ACG (AAA)$1,966IllinoisErie Insurance$2,243IllinoisAuto-Owners$2,512IllinoisGeico$3,121IllinoisAllstate$4,140IllinoisUSAA$3,383IndianaProgressive$1,776IndianaState Farm$1,815IndianaTravelers$1,965IndianaGeico$2,192IndianaNationwide$2,538IndianaAllstate$2,693IndianaAuto-Owners$2,742IndianaFarmers$3,617IndianaUSAA$1,145KansasState Farm$1,795KansasProgressive$1,931KansasTravelers$2,148KansasNationwide$2,487KansasFarmers$3,057KansasAllstate$3,790KansasGeico$5,657KansasUSAA$2,459KentuckyState Farm$2,655KentuckyTravelers$2,781KentuckyProgressive$3,566KentuckyAllstate$4,072KentuckyAuto-Owners$4,213KentuckyKentucky Farm Bureau$4,242KentuckyGeico$5,587KentuckyFarmers$8,609KentuckyUSAA$2,761LouisianaSouthern Farm Bureau$3,032LouisianaProgressive$3,375LouisianaState Farm$3,611LouisianaSafeway Insurance$3,623LouisianaAuto Club Enterprises (AAA)$4,775LouisianaFarmers$6,328LouisianaGeico$7,088LouisianaUSAA$3,283MassachusettsState Farm$949MassachusettsGeico$1,587MassachusettsArbella Insurance$2,172MassachusettsProgressive$2,354MassachusettsTravelers$2,717MassachusettsSafety Insurance$2,873MassachusettsFarmers$3,512MassachusettsAllstate$4,268MassachusettsUSAA$2,685MarylandGeico$1,678MarylandErie Insurance$2,034MarylandState Farm$2,324MarylandProgressive$2,736MarylandTravelers$3,071MarylandNationwide$3,218MarylandAllstate$4,057MarylandKemper$4,913MarylandUSAA$2,717MaineAuto-Owners$1,138MaineTravelers$1,239MaineProgressive$1,264MaineState Farm$1,312MaineAllstate$1,460MaineFarmers$2,281MaineGeico$3,114MaineFrankenmuth Insurance$6,377MaineUSAA$1,678MichiganProgressive$2,198MichiganAuto-Owners$4,449MichiganAuto Club Group – ACG (AAA)$5,852MichiganTravelers$6,170MichiganState Farm$8,246MichiganGeico$10,749MichiganUSAA$2,721MinnesotaState Farm$1,430MinnesotaNationwide$2,031MinnesotaTravelers$2,559MinnesotaAuto-Owners$2,838MinnesotaAllstate$4,062MinnesotaGeico$7,374MinnesotaAuto Club Group – ACG (AAA)$8,399MinnesotaUSAA$2,365MissouriProgressive$1,943MissouriState Farm$1,976MissouriTravelers$2,064MissouriNationwide$2,557MissouriAuto Club Enterprises (AAA)$3,136MissouriAllstate$3,321MissouriGeico$5,852MissouriUSAA$1,787MississippiState Farm$1,742MississippiProgressive$2,408MississippiTravelers$2,424MississippiNationwide$2,739MississippiAllstate$3,389MississippiShelter Insurance$4,958MississippiGeico$7,045MississippiUSAA$2,326MontanaState Farm$1,749MontanaKemper$2,304MontanaProgressive$2,555MontanaAllstate$3,867MontanaFarmers$5,126MontanaGeico$6,622MontanaUSAA$1,667North CarolinaState Farm$4,299North CarolinaErie Insurance$4,430North CarolinaNationwide$5,089North CarolinaGeico$6,656North CarolinaNorth Carolina Farm Bureau$6,955North CarolinaProgressive$7,524North CarolinaFarmers$7,656North CarolinaAllstate$10,839North DakotaAmerican Family$1,223North DakotaProgressive$1,457North DakotaState Farm$1,605North DakotaNationwide$2,158North DakotaAuto-Owners$2,660North DakotaFarmers$3,513North DakotaAllstate$4,084North DakotaGeico$8,873North DakotaUSAA$1,770NebraskaProgressive$1,966NebraskaAuto-Owners$2,157NebraskaState Farm$2,197NebraskaNationwide$2,199NebraskaAllstate$2,936NebraskaGeico$8,220NebraskaUSAA$2,470New HampshireThe Hanover$1,221New HampshireAuto-Owners$1,378New HampshireState Farm$1,405New HampshireProgressive$1,514New HampshireNationwide$2,454New HampshireFarmers$2,650New HampshireAllstate$2,807New HampshireGeico$2,946New HampshireUSAA$1,317New JerseyNJM$1,511New JerseyPlymouth Rock Assurance$2,198New JerseyTravelers$2,786New JerseyProgressive$3,101New JerseyGeico$3,197New JerseyAllstate$3,374New JerseyFarmers$4,022New JerseyState Farm$8,180New MexicoState Farm$1,631New MexicoProgressive$1,762New MexicoGeico$3,093New MexicoKemper$3,777New MexicoNationwide$3,780New MexicoAllstate$3,914New MexicoIowa Farm Bureau$4,174New MexicoFarmers$4,829New MexicoUSAA$2,039NevadaState Farm$1,442NevadaTravelers$3,181NevadaAllstate$3,482NevadaProgressive$3,543NevadaAmerican Family$3,664NevadaGeico$4,200NevadaFarmers$4,591NevadaMercury Insurance$4,680NevadaCSAA Insurance (AAA)$4,691NevadaUSAA$3,230New YorkProgressive$996New YorkState Farm$1,912New YorkErie Insurance$2,742New YorkAllstate$2,890New YorkTravelers$3,122New YorkGeico$4,702New YorkUSAA$2,104OhioErie Insurance$1,762OhioProgressive$1,923OhioAuto-Owners$2,093OhioTravelers$2,136OhioAllstate$2,437OhioFarmers$3,398OhioGeico$3,595OhioUSAA$1,361OklahomaProgressive$1,115OklahomaState Farm$1,755OklahomaShelter Insurance$2,729OklahomaMercury Insurance$2,997OklahomaGeico$3,189OklahomaAllstate$3,430OklahomaOklahoma Farm Bureau$4,430OklahomaFarmers$4,597OklahomaUSAA$2,549OregonState Farm$1,475OregonTravelers$2,073OregonProgressive$2,101OregonNationwide$2,818OregonFarmers$3,706OregonAllstate$3,912OregonGeico$4,140OregonUSAA$2,034PennsylvaniaTravelers$1,199PennsylvaniaErie Insurance$2,356PennsylvaniaState Farm$2,380PennsylvaniaProgressive$2,685PennsylvaniaNationwide$2,739PennsylvaniaGeico$3,888PennsylvaniaUSAA$2,232Rhode IslandProgressive$2,481Rhode IslandAmerican Family$3,233Rhode IslandNationwide$3,564Rhode IslandTravelers$3,877Rhode IslandAllstate$4,323Rhode IslandFarmers$5,549Rhode IslandGeico$7,839Rhode IslandAmica$9,109Rhode IslandUSAA$2,255South CarolinaState Farm$2,070South CarolinaProgressive$2,122South CarolinaAuto-Owners$2,830South CarolinaTravelers$2,905South CarolinaAllstate$3,371South CarolinaGeico$4,813South CarolinaUSAA$2,529South DakotaState Farm$1,848South DakotaFarmers$2,418South DakotaProgressive$2,851South DakotaNationwide$2,965South DakotaAllstate$3,236South DakotaAuto-Owners$3,901South DakotaGeico$7,182South DakotaUSAA$3,430TennesseeState Farm$1,643TennesseeProgressive$1,925TennesseeTravelers$2,241TennesseeErie Insurance$2,330TennesseeGeico$2,889TennesseeNationwide$3,140TennesseeFarmers$3,433TennesseeAllstate$4,090TennesseeUSAA$2,128TexasGeico$2,735TexasState Farm$2,815TexasAuto Club Enterprises (AAA)$3,074TexasNationwide$3,174TexasProgressive$3,289TexasAllstate$4,189TexasUSAA$2,521UtahProgressive$1,993UtahState Farm$2,119UtahNationwide$2,364UtahGeico$2,735UtahAllstate$3,087UtahAuto-Owners$3,600UtahFarmers$4,927UtahUSAA$2,246VirginiaState Farm$1,440VirginiaTravelers$1,830VirginiaErie Insurance$1,947VirginiaAuto-Owners$2,226VirginiaProgressive$2,630VirginiaGeico$2,859VirginiaAllstate$2,941VirginiaFarmers$8,689VirginiaUSAA$2,077VermontProgressive$1,099VermontState Farm$1,099VermontAuto-Owners$1,647VermontNationwide$1,682VermontAllstate$2,519VermontGeico$3,336VermontFarmers$3,677VermontVermont Mutual$5,153VermontUSAA$1,515WashingtonState Farm$1,776WashingtonGeico$2,136WashingtonTravelers$2,254WashingtonAmerican Family$2,255WashingtonAllstate$2,308WashingtonFarmers$2,958WashingtonNationwide$3,262WashingtonProgressive$3,270WashingtonUSAA$1,740WisconsinTravelers$1,664WisconsinErie Insurance$1,935WisconsinProgressive$2,179WisconsinState Farm$2,262WisconsinNationwide$2,664WisconsinGeico$2,800WisconsinAllstate$2,908WisconsinFarmers$4,039WisconsinUSAA$1,650West VirginiaState Farm$1,614West VirginiaNationwide$2,169West VirginiaErie Insurance$2,345West VirginiaProgressive$2,499West VirginiaAllstate$4,069West VirginiaFarmers$4,589West VirginiaWestfield Insurance$4,798West VirginiaGeico$4,981West VirginiaUSAA$1,997WyomingState Farm$1,436WyomingAmerican National$1,544WyomingAllstate$3,386WyomingFarmers$3,527WyomingGeico$6,621WyomingUSAA$1,929 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 Company Average premium AlaskaState Farm$1,670AlaskaGeico$2,227AlaskaProgressive$2,773AlaskaAllstate$2,896AlaskaUSAA$1,397AlabamaState Farm$1,759AlabamaNationwide$1,808AlabamaTravelers$1,997AlabamaAllstate$2,365AlabamaAuto-Owners$2,383AlabamaGeico$2,854AlabamaProgressive$2,957AlabamaFarmers$3,854AlabamaUSAA$1,615ArkansasState Farm$1,965ArkansasTravelers$2,160ArkansasNationwide$2,202ArkansasGeico$2,648ArkansasProgressive$2,992ArkansasAllstate$3,075ArkansasFarmers$3,605ArkansasUSAA$1,203ArizonaState Farm$2,187ArizonaTravelers$2,215ArizonaAuto-Owners$2,281ArizonaGeico$2,322ArizonaNationwide$2,329ArizonaProgressive$2,577ArizonaFarmers$2,897ArizonaAllstate$3,530ArizonaCSAA Insurance (AAA)$3,908ArizonaUSAA$1,902CaliforniaMercury Insurance$2,653CaliforniaGeico$2,869CaliforniaAuto Club Enterprises (AAA)$3,104CaliforniaCSAA Insurance (AAA)$3,188CaliforniaState Farm$3,249CaliforniaProgressive$3,314CaliforniaAllstate$3,419CaliforniaTravelers$3,481CaliforniaFarmers$4,005CaliforniaNationwide$4,768CaliforniaUSAA$2,168ColoradoState Farm$1,844ColoradoKemper$2,522ColoradoGeico$2,605ColoradoAllstate$2,696ColoradoAuto-Owners$2,964ColoradoProgressive$3,470ColoradoFarmers$5,810ColoradoUSAA$1,824ConnecticutGeico$1,372ConnecticutState Farm$1,717ConnecticutProgressive$2,026ConnecticutNationwide$2,253ConnecticutKemper$2,394ConnecticutFarmers$2,493ConnecticutAmica$4,317ConnecticutThe Hanover$5,133ConnecticutUSAA$703Washington, D.C.Erie Insurance$1,685Washington, D.C.Progressive$1,914Washington, D.C.State Farm$2,392Washington, D.C.Geico$2,949Washington, D.C.Chubb$3,062Washington, D.C.Allstate$4,341Washington, D.C.USAA$1,441DelawareNationwide$2,110DelawareState Farm$2,160DelawareTravelers$2,276DelawareGeico$2,583DelawareProgressive$2,706DelawareAmerican Family$2,880DelawareAllstate$3,881DelawareSentry Insurance$5,703DelawareUSAA$1,793FloridaState Farm$2,100FloridaGeico$2,983FloridaNationwide$3,155FloridaTravelers$3,353FloridaNational General$3,531FloridaProgressive$3,556FloridaMercury Insurance$4,556FloridaFarmers$5,019GeorgiaAuto-Owners$1,853GeorgiaCountry Financial$2,181GeorgiaAllstate$2,247GeorgiaState Farm$2,298GeorgiaProgressive$2,303GeorgiaGeico$2,659GeorgiaMercury Insurance$3,645GeorgiaUSAA$1,833HawaiiProgressive$1,685HawaiiFarmers$1,703HawaiiState Farm$2,123HawaiiAllstate$2,625HawaiiIsland Insurance$9,305HawaiiUSAA$1,117IowaState Farm$1,215IowaTravelers$1,705IowaProgressive$1,729IowaAuto-Owners$1,994IowaAllstate$2,088IowaGeico$2,415IowaUSAA$1,317IdahoState Farm$1,098IdahoAuto-Owners$1,163IdahoGeico$1,384IdahoTravelers$1,611IdahoFarmers$1,915IdahoAllstate$2,103IdahoNationwide$2,234IdahoUSAA$897IllinoisAuto Club Group – ACG (AAA)$1,117IllinoisErie Insurance$1,549IllinoisState Farm$1,566IllinoisTravelers$1,638IllinoisAuto-Owners$1,827IllinoisProgressive$1,958IllinoisGeico$2,355IllinoisAllstate$3,446IllinoisUSAA$2,022IndianaState Farm$1,575IndianaAuto-Owners$1,595IndianaNationwide$1,864IndianaTravelers$1,878IndianaGeico$2,090IndianaProgressive$2,245IndianaAllstate$2,685IndianaFarmers$2,716IndianaUSAA$919KansasNationwide$1,372KansasState Farm$1,795KansasTravelers$1,909KansasGeico$2,030KansasFarmers$2,188KansasProgressive$2,257KansasAllstate$3,176KansasUSAA$1,190KentuckyAuto-Owners$2,235KentuckyKentucky Farm Bureau$2,648KentuckyTravelers$2,653KentuckyState Farm$2,655KentuckyProgressive$3,432KentuckyAllstate$3,622KentuckyGeico$3,632KentuckyFarmers$6,118KentuckyUSAA$2,149LouisianaSouthern Farm Bureau$2,638LouisianaSafeway Insurance$2,810LouisianaState Farm$3,611LouisianaProgressive$4,053LouisianaFarmers$4,419LouisianaAuto Club Enterprises (AAA)$4,602LouisianaGeico$6,180LouisianaUSAA$2,628MassachusettsState Farm$594MassachusettsGeico$971MassachusettsSafety Insurance$1,604MassachusettsFarmers$2,084MassachusettsProgressive$2,550MassachusettsTravelers$2,593MassachusettsUSAA$1,282MarylandGeico$1,702MarylandNationwide$1,940MarylandErie Insurance$2,034MarylandState Farm$2,324MarylandProgressive$2,447MarylandTravelers$2,915MarylandKemper$2,922MarylandAllstate$4,214MarylandUSAA$1,216MaineAuto-Owners$784MaineAllstate$1,185MaineTravelers$1,186MaineState Farm$1,312MaineProgressive$1,462MaineGeico$1,590MaineFrankenmuth Insurance$1,798MaineFarmers$2,098MaineUSAA$934MichiganGeico$2,208MichiganProgressive$2,333MichiganAuto-Owners$2,711MichiganTravelers$2,841MichiganAuto Club Group – ACG (AAA)$4,421MichiganState Farm$5,050MichiganUSAA$2,072MinnesotaState Farm$1,430MinnesotaNationwide$1,585MinnesotaAuto-Owners$1,773MinnesotaTravelers$2,244MinnesotaAuto Club Group – ACG (AAA)$2,924MinnesotaAllstate$3,292MinnesotaGeico$3,410MinnesotaUSAA$1,569MissouriNationwide$1,824MissouriTravelers$1,971MissouriState Farm$1,976MissouriProgressive$2,149MissouriAllstate$2,882MissouriAuto Club Enterprises (AAA)$3,019MissouriGeico$3,581MissouriUSAA$1,195MississippiState Farm$1,742MississippiNationwide$2,026MississippiTravelers$2,321MississippiShelter Insurance$2,649MississippiProgressive$2,654MississippiAllstate$2,721MississippiGeico$2,822MississippiUSAA$1,557MontanaState Farm$1,749MontanaKemper$2,699MontanaProgressive$2,711MontanaGeico$2,748MontanaAllstate$3,148MontanaFarmers$4,456MontanaUSAA$1,027North CarolinaState Farm$1,613North CarolinaErie Insurance$1,647North CarolinaNorth Carolina Farm Bureau$1,661North CarolinaNationwide$1,920North CarolinaGeico$2,353North CarolinaProgressive$2,837North CarolinaFarmers$2,856North CarolinaAllstate$4,001North DakotaAmerican Family$1,223North DakotaNationwide$1,547North DakotaState Farm$1,605North DakotaProgressive$1,644North DakotaAuto-Owners$1,757North DakotaFarmers$2,243North DakotaAllstate$2,502North DakotaUSAA$890NebraskaNationwide$1,270NebraskaAuto-Owners$1,493NebraskaState Farm$2,197NebraskaProgressive$2,387NebraskaAllstate$2,476NebraskaGeico$2,528NebraskaUSAA$1,485New HampshireAuto-Owners$906New HampshireProgressive$1,764New HampshireNationwide$1,779New HampshireFarmers$2,234New HampshireGeico$2,437New HampshireAllstate$2,545New HampshireUSAA$933New JerseyNJM$1,511New JerseyPlymouth Rock Assurance$2,258New JerseyTravelers$2,538New JerseyAllstate$3,188New JerseyProgressive$3,459New JerseyState Farm$3,472New JerseyFarmers$3,569New MexicoState Farm$1,631New MexicoProgressive$1,994New MexicoNationwide$2,314New MexicoGeico$2,612New MexicoIowa Farm Bureau$2,905New MexicoAllstate$3,133New MexicoKemper$3,602New MexicoFarmers$3,872New MexicoUSAA$1,279NevadaState Farm$1,442NevadaAllstate$2,839NevadaAmerican Family$2,857NevadaTravelers$3,025NevadaFarmers$3,035NevadaProgressive$3,215NevadaMercury Insurance$3,523NevadaGeico$4,023NevadaCSAA Insurance (AAA)$4,395NevadaUSAA$1,882New YorkProgressive$1,132New YorkState Farm$1,912New YorkErie Insurance$2,106New YorkGeico$2,419New YorkAllstate$2,512New YorkTravelers$3,041New YorkUSAA$1,630OhioErie Insurance$1,192OhioAuto-Owners$1,257OhioTravelers$2,042OhioAllstate$2,202OhioProgressive$2,396OhioFarmers$2,725OhioGeico$2,955OhioUSAA$1,138OklahomaProgressive$1,326OklahomaState Farm$1,755OklahomaShelter Insurance$2,198OklahomaAllstate$2,905OklahomaFarmers$3,242OklahomaOklahoma Farm Bureau$3,290OklahomaMercury Insurance$3,396OklahomaGeico$3,415OklahomaUSAA$1,708OregonState Farm$1,475OregonTravelers$1,975OregonNationwide$2,038OregonProgressive$2,317OregonFarmers$2,760OregonAllstate$3,456OregonGeico$3,593OregonUSAA$1,560PennsylvaniaTravelers$1,047PennsylvaniaErie Insurance$1,622PennsylvaniaNationwide$1,930PennsylvaniaState Farm$2,380PennsylvaniaGeico$3,496PennsylvaniaUSAA$1,861Rhode IslandNationwide$2,651Rhode IslandProgressive$2,744Rhode IslandAmerican Family$3,100Rhode IslandTravelers$3,415Rhode IslandAllstate$3,583Rhode IslandGeico$3,848Rhode IslandAmica$3,877Rhode IslandFarmers$4,399Rhode IslandUSAA$1,386South CarolinaAuto-Owners$1,797South CarolinaState Farm$2,070South CarolinaProgressive$2,306South CarolinaTravelers$2,776South CarolinaAllstate$3,188South CarolinaUSAA$1,689South DakotaState Farm$1,848South DakotaAllstate$2,078South DakotaNationwide$2,129South DakotaFarmers$2,338South DakotaGeico$2,408South DakotaAuto-Owners$2,719South DakotaProgressive$3,218South DakotaUSAA$2,055TennesseeErie Insurance$1,585TennesseeState Farm$1,643TennesseeProgressive$2,000TennesseeTravelers$2,146TennesseeNationwide$2,248TennesseeFarmers$2,661TennesseeGeico$2,810TennesseeAllstate$3,314TennesseeUSAA$1,317TexasNationwide$1,702TexasGeico$2,428TexasAuto Club Enterprises (AAA)$2,756TexasProgressive$3,870TexasUSAA$1,891UtahNationwide$1,244UtahAuto-Owners$1,623UtahState Farm$2,119UtahProgressive$2,281UtahAllstate$2,525UtahGeico$2,910UtahFarmers$3,456UtahUSAA$1,502VirginiaErie Insurance$1,340VirginiaState Farm$1,440VirginiaTravelers$1,758VirginiaAuto-Owners$1,932VirginiaGeico$2,422VirginiaAllstate$2,582VirginiaProgressive$2,732VirginiaFarmers$3,771VirginiaUSAA$1,335VermontState Farm$1,099VermontAuto-Owners$1,126VermontNationwide$1,259VermontGeico$1,261VermontProgressive$1,284VermontVermont Mutual$1,870VermontAllstate$2,114VermontFarmers$2,616VermontUSAA$852WashingtonState Farm$1,776WashingtonFarmers$1,873WashingtonAllstate$1,927WashingtonGeico$2,040WashingtonTravelers$2,151WashingtonAmerican Family$2,255WashingtonNationwide$2,573WashingtonProgressive$3,451WashingtonUSAA$986WisconsinErie Insurance$1,340WisconsinTravelers$1,589WisconsinNationwide$1,929WisconsinState Farm$2,262WisconsinGeico$2,451WisconsinAllstate$2,627WisconsinProgressive$2,707WisconsinFarmers$2,962WisconsinUSAA$1,048West VirginiaState Farm$1,614West VirginiaNationwide$1,669West VirginiaErie Insurance$1,724West VirginiaProgressive$2,369West VirginiaAllstate$3,347West VirginiaFarmers$3,421West VirginiaGeico$4,769West VirginiaUSAA$1,272WyomingAmerican National$1,171WyomingState Farm$1,436WyomingFarmers$2,184WyomingAllstate$3,119WyomingGeico$5,163WyomingUSAA$1,203 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 Company Avg. premium (Lower annual mileage) Rates under 7,500 mileage Rates for 7,500-9,999 mileage Rates for 10,000-11,999 mileage Rates for 12,000-14,999 mileage AlaskaGeico$993$984$984$992$1,013AlaskaState Farm$1,231$1,231–––AlaskaUSAA$984$937$960$1,000$1,040AlabamaGeico$1,494$1,478$1,478$1,493$1,526AlabamaState Farm$1,448$1,448–––ArkansasShelter Insurance$1,666$1,666–––ArkansasAuto Club Enterprises (AAA)$1,931$1,907$1,934$1,934$1,950ArkansasTravelers$1,300$1,248$1,272$1,317$1,363ArkansasGeico$1,894$1,873$1,873$1,890$1,941ArkansasState Farm$1,160$1,160–––ArizonaThe Hartford$1,750$1,618$1,686$1,848$1,848ArizonaCSAA Insurance (AAA)$2,221$2,221$2,221––ArizonaTravelers$1,455$1,415$1,433$1,469$1,505ArizonaProgressive$1,662$1,631$1,661$1,670$1,687ArizonaGeico$1,243$1,230$1,230$1,243$1,268ArizonaState Farm$1,500$1,500–––CaliforniaWawanesa Insurance$1,423$1,356$1,392$1,452$1,493CaliforniaMercury Insurance$1,805$1,693$1,763$1,852$1,910CaliforniaNationwide$2,131$1,948$2,041$2,225$2,313CaliforniaKemper Insurance$2,790$2,703$2,711$2,811$2,933CaliforniaFarmers$2,799$2,561$2,661$2,888$3,087CaliforniaCSAA Insurance (AAA)$2,607$2,466$2,537$2,656$2,767CaliforniaAuto Club Enterprises (AAA)$2,284$2,157$2,296$2,296$2,388CaliforniaTravelers$2,108$1,958$2,029$2,177$2,268CaliforniaProgressive$1,499$1,398$1,449$1,540$1,609CaliforniaGeico$1,500$1,426$1,457$1,506$1,611CaliforniaState Farm$1,892$1,778$1,857$1,947$1,986CaliforniaAllstate$2,125$1,998$2,036$2,155$2,311ColoradoAmerican National Finance$888$888–––ColoradoAmerican Family$3,227$3,169$3,208$3,246$3,284ColoradoGeico$1,970$1,946$1,946$1,970$2,018ColoradoState Farm$1,527$1,527–––ConnecticutState Farm$1,441$1,441–––Washington, D.C.Erie Insurance$1,685$1,685$1,685$1,685$1,685Washington, D.C.Geico$1,198$1,186$1,186$1,196$1,225Washington, D.C.State Farm$1,488$1,488–––Washington, D.C.USAA$1,123$1,080$1,101$1,187–DelawareDonegal$2,454$2,348$2,395$2,489$2,582DelawareGeico$1,879$1,861$1,861$1,878$1,916DelawareState Farm$1,226$1,226–––DelawareUSAA$1,352$1,322$1,347$1,385–FloridaGeico$2,105$2,043$2,069$2,122$2,188FloridaState Farm$1,918$1,918–––FloridaAllstate$5,169$5,045$5,145$5,210$5,275GeorgiaState Farm$1,647$1,647–––GeorgiaAllstate$2,225$2,094$2,148$2,265$2,394IowaPekin Insurance$886$841$848$907$947IowaAuto-Owners$1,420$1,420$1,420$1,420–IowaAmerican Family$1,200$1,184$1,195$1,205$1,216IowaProgressive$1,447$1,418$1,438$1,453$1,478IowaGeico$1,190$1,175$1,175$1,187$1,223IowaState Farm$744$744–––IowaAllstate$1,763$1,763–––IdahoTravelers$972$946$958$981$1,004IdahoAmerican Family$1,096$1,075$1,084$1,103$1,122IdahoState Farm$623$623–––IllinoisPekin Insurance$1,414$1,332$1,377$1,445$1,503IllinoisAutomobile Club MI (AAA)$2,694$2,694$2,694––IllinoisErie Insurance$1,535$1,535$1,535$1,535$1,535IllinoisTravelers$1,283$1,247$1,263$1,295$1,326IllinoisAmerican Family$1,423$1,403$1,416$1,429$1,442IllinoisGeico$1,119$1,107$1,107$1,117$1,145IllinoisState Farm$1,203$1,203–––IndianaIndiana Farmers$1,171$1,165$1,165$1,176$1,176IndianaAuto-Owners$1,457$1,457$1,457$1,457–IndianaTravelers$1,194$1,162$1,176$1,204$1,234IndianaAmerican Family$1,243$1,215$1,234$1,253$1,272IndianaProgressive$1,407$1,388$1,402$1,411$1,426IndianaGeico$998$987$987$996$1,021IndianaState Farm$921$921–––KansasIowa Farm bureau$1,357$1,357–––KansasAuto-Owners$1,642$1,642$1,642$1,642–KansasAmerican Family$1,322$1,337$1,301$1,312$1,322KansasState Farm$1,250$1,250–––KansasAllstate$3,364$3,278$3,309$3,371$3,496KentuckyKentucky Farm Bureau$2,204$2,204–––KentuckyProgressive$2,190$2,132$2,188$2,209$2,232KentuckyGeico$1,895$1,895$1,895$1,895$1,895KentuckyState Farm$1,739$1,739–––LouisianaAuto Club Enterprises (AAA)$5,791$5,665$5,828$5,828$5,844LouisianaProgressive$3,762$3,650$3,762$3,787$3,849LouisianaGeico$3,950$3,902$3,902$3,959$4,038LouisianaState Farm$2,707$2,707–––LouisianaUSAA$1,922$1,845$1,887$1,948$2,009MassachusettsSafety Insurance$969$905$982$982$1,030MassachusettsN&D Group$1,528$1,406$1,462$1,581$1,663MassachusettsVermont Mutual$1,549$1,549–––MassachusettsArbella Insurance$1,628$1,591$1,665––MassachusettsAmica Mutual$2,146$2,146–––MassachusettsQuincy Mutual$2,144$2,063$2,152$2,152$2,210MassachusettsThe Hanover$1,473$1,473–––MassachusettsTravelers$1,874$1,802$1,839$1,896$1,958MassachusettsProgressive$2,017$1,952$2,020$2,020$2,075MassachusettsGeico$1,090$1,078$1,082$1,082$1,117MassachusettsState Farm$624$624–––MassachusettsAllstate$1,835$1,835–––MarylandErie Insurance$1,932$1,932$1,932$1,932$1,932MarylandState Farm$2,020$2,020–––MarylandAllstate$4,155$4,071$4,183$4,183$4,183MaineAuto-Owners$700$700$700$700–MaineTravelers$733$714$722$739$756MaineState Farm$845$845–––MichiganPioneer State Mutual$3,987$3,863$3,905$4,053$4,126MichiganTravelers$2,074$2,074$2,074$2,074$2,074MichiganGeico$1,700$1,700–––MichiganState Farm$3,619$3,619–––MinnesotaWestern National Mutual$2,773$2,756$2,756$2,789$2,789MinnesotaAutomobile Club MI (AAA)$1,884$1,884$1,884––MinnesotaTravelers$1,426$1,389$1,405$1,438$1,471MinnesotaAmerican Family$1,312$1,295$1,306$1,318$1,330MinnesotaState Farm$1,145$1,145–––MinnesotaAllstate$2,945$2,879$2,909$2,938$3,055MissouriShelter Insurance$2,208$2,208–––MissouriAuto Club Enterprises (AAA)$2,685$2,622$2,703$2,703$2,710MissouriTravelers$1,364$1,331$1,345$1,375$1,404MissouriAmerican Family$1,632$1,592$1,619$1,646$1,673MissouriProgressive$2,867$2,786$2,858$2,889$2,935MissouriGeico$2,735$2,704$2,704$2,731$2,802MissouriState Farm$1,345$1,345–––MississippiTravelers$1,429$1,390$1,408$1,442$1,475MississippiProgressive$2,948$2,879$2,934$2,965$3,014MississippiGeico$2,132$2,132–––MississippiState Farm$1,327$1,327–––MontanaState Farm$1,200$1,200–––MontanaAllstate$2,955$2,955–––MontanaUSAA$815$798$813$835–North DakotaNodak Insurance$1,235$1,235–––North DakotaAmerican Family$1,016$1,004$1,012$1,020$1,028North DakotaState Farm$1,013$1,013–––North DakotaAllstate$2,151$2,109$2,128$2,147$2,221NebraskaProgressive$2,691$2,631$2,671$2,705$2,756NebraskaState Farm$1,483$1,483–––NebraskaAllstate$2,107$2,069$2,069$2,107$2,181New HampshireAuto-Owners$1,342$1,342$1,342$1,342–New HampshireProgressive$1,969$1,946$1,963$1,974$1,995New HampshireGeico$1,087$1,076$1,076$1,085$1,112New HampshireState Farm$790$790–––New HampshireAllstate$2,179$2,179–––New JerseyNew Jersey Manufacturers$1,607$1,584$1,584$1,629$1,629New JerseyProgressive$3,734$3,685$3,723$3,753$3,773New JerseyState Farm$1,668$1,668–––New JerseyAllstate$3,016$3,016–––New MexicoCentral Insurance$1,515$1,427$1,466$1,544$1,624New MexicoIowa Farm bureau$2,359$2,359–––New MexicoGeico$1,577$1,561$1,561$1,577$1,611New MexicoState Farm$1,169$1,169–––New MexicoUSAA$1,015$963$991$1,029$1,076NevadaAmerican Family$2,496$2,435$2,472$2,517$2,561NevadaGeico$1,640$1,622$1,622$1,646$1,671NevadaState Farm$1,489$1,489–––New YorkNYCM Insurance$939$942$927––New YorkThe Hanover$6,929$6,430$6,679$7,113$7,495New YorkErie Insurance$3,389$3,389$3,389$3,389$3,389New YorkGeico$2,040$2,040New YorkState Farm$2,180$2,180New YorkAllstate$3,930$3,856$3,930$3,930$4,004OhioErie Insurance$1,080$1,080$1,080$1,080$1,080OhioAmerican Family$1,036$1,022$1,031$1,040$1,050OhioProgressive$1,113$1,094$1,110$1,117$1,131OhioGeico$1,051$1,040$1,040$1,050$1,075OhioState Farm$879$879–––OklahomaShelter Insurance$1,897$1,897–––OklahomaProgressive$1,930$1,874$1,919$1,945$1,981OklahomaGeico$2,329$2,305$2,305$2,326$2,381OklahomaState Farm$1,260$1,260–––OregonTravelers$1,310$1,274$1,290$1,323$1,355OregonAmerican Family$1,427$1,407$1,420$1,433$1,446OregonProgressive$2,447$2,389$2,443$2,463$2,492OregonGeico$1,182$1,171$1,171$1,180$1,205OregonState Farm$978$978–––PennsylvaniaDonegal$2,543$2,438$2,484$2,578$2,671PennsylvaniaErie Insurance$2,131$2,131$2,131$2,131$2,131PennsylvaniaTravelers$1,367$1,331$1,346$1,379$1,411PennsylvaniaGeico$2,359$2,285$2,320$2,386$2,444PennsylvaniaState Farm$1,510$1,510–––PennsylvaniaAllstate$3,005$3,005–––Rhode IslandQuincy Mutual$2,972$2,889$2,889$3,055$3,055Rhode IslandGeico$2,410$2,410–––Rhode IslandState Farm$1,167$1,167–––Rhode IslandAllstate$3,787$3,787–––South CarolinaAuto-Owners$1,468$1,468$1,468$1,468–South CarolinaGeico$1,412$1,412–––South CarolinaState Farm$1,353$1,353–––South CarolinaAllstate$2,409$2,409–––South DakotaAmerican Family$1,197$1,181$1,191$1,202$1,213South DakotaProgressive$2,993$2,910$2,959$3,013$3,089South DakotaGeico$1,864$1,864–––South DakotaState Farm$1,177$1,177–––South DakotaAllstate$2,032$1,983$2,019$2,019$2,107TennesseeErie Insurance$1,630$1,630$1,630$1,630$1,630TennesseeTravelers$1,395$1,358$1,374$1,406$1,440TennesseeProgressive$2,383$2,332$2,378$2,396$2,426TennesseeGeico$1,667$1,649$1,649$1,666$1,707TennesseeState Farm$957$957–––TexasAuto Club Enterprises (AAA)$2,262$2,115$2,272$2,272$2,389TexasGeico$1,903$1,885$1,885$1,903$1,939TexasAllstate$3,156$3,156–––UtahAmerican Family$1,707$1,661$1,692$1,722$1,753UtahProgressive$1,881$1,838$1,877$1,894$1,914UtahGeico$1,546$1,530$1,530$1,545$1,579UtahState Farm$1,330$1,330–––VirginiaVirginia Farm Bureau$1,433$1,417$1,422$1,437$1,456VirginiaAuto-Owners$1,680$1,680$1,680$1,680–VirginiaErie Insurance$1,156$1,156$1,156$1,156$1,156VirginiaTravelers$1,084$1,055$1,067$1,094$1,120VirginiaProgressive$1,970$1,943$1,966$1,975$1,996VirginiaGeico$1,270$1,256$1,256$1,268$1,298VirginiaState Farm$977$977–––VirginiaAllstate$2,631$2,631–––VermontAuto-Owners$1,024$1,024$1,024$1,024–VermontState Farm$681$681–––VermontAllstate$2,124$2,124–––WashingtonPEMCO$1,349$1,349–––WashingtonAmerican Family$2,097$2,069$2,088$2,106$2,125WashingtonGeico$1,442$1,420$1,420$1,457$1,469WashingtonState Farm$1,255$1,255–––WisconsinSecura Insurance$1,224$1,224$1,224$1,224–WisconsinAcuity A Mutual Ins Co$1,647$1,573$1,606$1,671$1,736WisconsinAutomobile Club MI (AAA)$1,381$1,381$1,381––WisconsinAuto-Owners$1,244$1,244$1,244$1,244–WisconsinErie Insurance$1,311$1,311$1,311$1,311$1,311WisconsinTravelers$993$967$979$1,002$1,026WisconsinAmerican Family$1,089$1,070$1,083$1,096$1,108WisconsinProgressive$2,333$2,291$2,322$2,342$2,376WisconsinGeico$1,208$1,193$1,193$1,206$1,239WisconsinState Farm$938$938–––WisconsinAllstate$2,134$2,134–––West VirginiaEncova$2,731$2,731–––West VirginiaErie Insurance$1,314$1,314$1,314$1,314$1,314West VirginiaGeico$1,492$1,474$1,474$1,492$1,527West VirginiaState Farm$1,071$1,071–––West VirginiaUSAA$886$867$883$908–WyomingAllstate$2,914$2,914–––WyomingUSAA$977$955$974$1,002– FAQ: Auto insurance for seniors 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 their requirements about license renewals and how often seniors’ driver’s licenses need to be renewed. This can range from every four to eight years and require a vision exam and road test, according to data compiled by the IIHS. 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. What should I do about my car insurance if I can’t get my license renewed? States have their requirements about license renewals and how often seniors’ driver’s licenses need to be renewed. This can range from every four to eight years and require a vision exam and road test, according to data compiled by the IIHS. 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, they also are involved in 11% fewer fatal collisions per capita, from 1997 to 2021, according to the IIHS. 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 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. transition, it is also a wise choice that should be celebrated as it ensures the safety of all on the road. Are there government-mandated auto insurance discounts for seniors? If you’re 55 years old or older, taking a special driving course can help you save money on your car insurance. This course is approved by the California DMV and is called a mature driver improvement course. Most auto insurance companies will lower your premiums for up to three years after you complete the course. To keep enjoying the lower rates, you can usually retake the course every three years. What our expert says How can seniors save money on car insurance? Lauren McKenzieInsurance broker/agent, A Plus Insurance. “Seniors may benefit from specialized discounts tailored to their demographic, such as the senior driving course discount, which offers reduced rates for completion of a qualifying course within the preceding three years. Partnering with an insurance provider well-versed in these discount offerings ensures seniors receive comprehensive coverage tailored to their unique needs while optimizing cost savings.” Resources & Methodology Sources: AAA Exchange. “Senior driver safety and mobility.” Accessed January 2025. Insurance Institute for Highway Safety (IIHS). “License renewal procedures.” Accessed January 2025. Insurance Institute for Highway Safety (IIHS). “Older drivers.” Accessed January 2025. The Hartford. “We need to talk … safe driving for a lifetime.” Accessed January 2025. U.S. Bureau of Labor Statistics. “Consumer Price Index.” Accessed January 2025. Methodology Insure.com editors in 2024 collected rates from Quadrant Information Services for a 60-, 70-, and 75-year-old male and female driving a 2023 Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. We analyzed 51,088,003 records, 34,588 ZIP codes and 167 insurance companies nationwide. 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? A complete guide to adding a teenager to your car insurance policy in 2025 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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Part 1: How insurance companies spot bogus claims 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 seniorsBest average car insurance rates for seniorsBest full coverage car insurance rates for seniors by age and stateAverage car insurance cost for seniors from top carriersHow much is car insurance for seniors at age 70?How much is car insurance for seniors at age 75?Cheapest car insurance for seniorsIs auto insurance higher for senior citizens?Average cost of car insurance for seniors at 65-years-oldAverage cost of car insurance for seniors at 70-years-oldAverage cost of car insurance for seniors at 75-years-oldCheapest car insurance for seniors with penaltiesFactors that affect auto insurance rates for seniorsLow-mileage car insurance for seniorsFAQ: Auto insurance for seniorsWhat our expert saysResources & Methodology ZIP Code Please enter valid ZIP See rates