Get free quote in-app


Our Insurance Partners


Key Takeaways

  • Most insurance companies don't have special senior car insurance discounts.
  • USAA is the best insurance company for seniors, with the highest average customer satisfaction rating.
  • Nationwide offers seniors the lowest car insurance premium, with a yearly average rate of $932.
  • Always get multiple quotes from insurers to ensure that you get an affordable auto insurance policy.

Senior Citizen Discounts for Car Insurance

Regardless of age, most states mandate you have valid auto insurance. You need to pay high premiums for your car insurance in your teens. But, it will gradually decrease during adult years. But what happens to the cost of your car insurance when you get older? How much is the car insurance for seniors?

Even if your driving habits stay the same and your record is spotless, you can expect a surge in your premium as you age. So be ready for a potential hike in the price of your auto insurance once you turn 60. But, you needn't worry about that! There are several ways to find cheap car insurance for seniors.

The best way is by using the various car insurance discounts for senior citizens that the insurance companies offer. In addition, many insurers offer some exclusive discounts for senior citizens. Senior citizens can also save on car insurance while retiring or taking a defensive driving course. Another way to decrease car insurance for seniors is by comparing quotes from various insurers and buying the cheapest one.

So, what are the senior car insurance discounts? Which companies offer the best car insurance discounts for senior citizens? Keep reading our review of car insurance for seniors to get a detailed insight into senior car insurance discounts!

Car insurance for seniors: Rates, discounts, and more

Car insurance for seniors costs $1,328 yearly, around $110.67 a month. Senior drivers in the age group 60-69 pay this premium. With an average annual rate of $1,776, drivers in the age group 80-89 pay the highest premium among the senior drivers.

Senior drivers in the age group 70-79 pay the second-highest premium with an average annual rate of $1,536. The car insurance rate for seniors will be higher than that of drivers in their 30s, 40s, or 50s. So, how can you lower the insurance premiums? Firstly, try to get quotes from multiple insurers, compare, and buy the one with the lowest quote.

Or, ask for the various senior car insurance discounts your insurer offers. Our review covers the various car insurance discounts for senior citizens, the best insurance companies for senior citizens, a list of senior citizen discounts by state, and more!

Age group Average annual rate Average six-month rate
60-69 $1,328 $664
70-79 $1,536 $768
80-89 $1,776 $888

See what you could save on auto insurance

Best car insurance companies for seniors

The biggest challenge for senior drivers is to choose the best car insurance company. The company should provide them with enough coverage and discounts to make the premiums affordable. Also, looking at the customer reviews before buying an insurance policy is essential.

Our research found that USAA has the highest average customer satisfaction rating, with a 4.8/5 score. Erie and American Family also have the same rating and are favored by senior drivers.

Rank Insurer Average Customer
satisfaction rating
(out of 5)
1 USAA 4.8
2 Erie 4.8
3 American Family 4.8
4 Allstate 4.7
5 Nationwide 4.6
6 National General 4.6
7 Farmers 4.6
8 State Farm 4.6
9 Progressive 4.6
10 Auto-owners 4.6

Which company offers the best value for seniors?

Choosing the correct insurer is the best way to reduce car insurance premiums for seniors. With a yearly average rate of $932, Nationwide ranks first among the insurers that offer the best value for senior drivers. USAA is the nest best options for senior drivers. These are some companies that offer the best value for seniors.

Rank Insurer Average annual rate Average six-month rate
1 Nationwide $932 $466
3 USAA $1,082 $541
4 Progressive $1,130 $565
5 State Farm $1,158 $579
6 The Hartford $1,314 $657
7 Farmers $1,376 $688
8 Allstate $1,912 $956

Nationwide - the most affordable company for seniors

For drivers in their 60s, Nationwide offers the most affordable auto insurance and comprehensive coverage. The following coverage add-ons from the company can increase your protection level.

Nationwide auto insurance discounts for seniors

They don't offer any special senior car insurance discounts. But these are some discounts that senior drivers may qualify for.

  • Multi-policy: A multi-policy discount frequently applies when purchasing your auto insurance and additional policies from the same provider.
  • Safe driver: You qualify for a safe driving discount if you have a spotless driving record and follow all driving safety procedures.
  • Defensive driving course: If you're willing to join an authorized defensive driving course, several insurance providers will give you a discount. But remember that this discount might only be available to eligible drivers who are 50 years of age or older.
  • Accident-free driving record: Drivers who have not been at fault in any incidents during a specified period are eligible for an accident-free reduction on insurance premiums.
  • Membership in qualifying alumni or professional organizations: This could include fraternities, sororities, professional organizations, and college alumni organizations.

USAA - best for military members and veterans

It is the third-cheapest insurer for senior drivers. These are some coverages that they offer.

  • Roadside assistance
  • Rental reimbursement
  • Accident forgiveness
  • Car replacement assistance

USAA discounts for seniors

USAA doesn't provide special car insurance discounts for senior citizens. Instead, consider getting eligible for the following discounts.

  • Good driving record: You can be eligible for a discount if you haven't had accidents, auto insurance claims, or moving offenses.
  • Defensive driving course
  • Multi-vehicle discount
  • Multi-policy or bundling discount
  • Car storage coverage: If you own a car that you only use sometimes or are simply not driving for a while, you will get this discount.
  • Loyalty discount: Regular customers receive discounts known as loyalty discounts. A customer can receive a loyalty discount when renewing a car insurance coverage for a set period without changing insurance providers.

Progressive - best for high-risk drivers

With a yearly average rate of $1,130, Progressive offers the fourth-best auto insurance rates for senior drivers. These are some additional coverages that the insurer offers.

  • Rental car reimbursement
  • Roadside assistance
  • Gap coverage
  • Accident forgiveness
  • Vanishing deductible
  • Custom parts and equipment coverage
  • Rideshare coverage

Progressive car insurance senior discounts

The company doesn't have special senior car insurance discounts. However, these are some typical discounts that senior drivers can use.

  • Multi-policy
  • Multi-car
  • Continuous coverage: You will get this discount if you have continuous insurance coveragewithout any gaps.
  • Good driver
  • Homeowner
  • Pay in full
  • Autopay: The autopay discount kicks in when your insurer provides a bonus or incentive for signing up for their autopay plan.

State Farm - best for basic coverage

With a yearly average rate of $1,158, State Farm is the best for senior drivers looking for basic coverage. These are some extra coverages that State Farm offers.

  • Emergency road service
  • Rideshare coverage
  • Rental reimbursement

State Farm senior car insurance discounts

These are some typical discounts that the company offers.

  • Good driving
  • Accident-free discount
  • Defensive driving course discount
  • Vehicle safety: You'll get a discount depending on the safety features of the make and model of your car.
  • Multi-car
  • Multi-policy or bundling
  • Anti-theft: You will qualify for a discount if your car has anti-theft devices. You will get anti-theft discounts for both factory-installed and after-market-installed devices.

The Hartford - best for full coverage

With an average annual rate of $1,314, The Hartford provides the best full coverage insurance for senior drivers. These are some additional coverages that the company offers.

  • Car towing coverage
  • Rental reimbursement
  • Gap insurance
  • Full glass coverage

The Hartford Advantage Program

It provides some enhanced coverage in the form of these extra safeguards.

  • Twelve months protection for auto insurance rate
  • RecoverCare: Post-accident compensation for costs such as household upkeep, travel, dog walking, and lawn care
  • Get a new car replacement.
  • A 24-hour claims hotline.
  • Lifetime car repair assistance.

The Hartford Advantage Plus Program

It includes the following features.

  • Deductible waiver for accidents if you weren't at fault.
  • If two cars on the same insurance are involved in the same accident, there will be only one deductible.
  • Vanishing deductible.
  • First accident forgiveness.
  • Reduction of $100 in deductible

The Hartford senior driver insurance discounts

These are some typical discounts that the insurer provides to its customers.

  • Bundling
  • Defensive driving course
  • Pay in full
  • Driving an electric or hybrid vehicle
  • Driving a vehicle with anti-theft devices and airbags

Farmers - best for discounts

Farmers have average customer satisfaction ratings and are the second most expensive insurance provider for drivers above 60. Farmers offer these coverages.

  • Roadside assistance and towing
  • Rideshare coverage
  • Customized equipment
  • Rental car reimbursement
  • Glass deductible buyback
  • Original equipment manufacturer (OEM)
  • Full glass coverage
  • Spare parts coverage
  • New car replacement
  • Accident forgiveness

Farmers car insurance discounts for seniors

You can get Farmers' senior driver discount if you're over 55 and successfully finished a defensive driving course that has been certified by the state. However, keep in mind that each state may not offer discounts. These are the other discounts that the company offers.

  • Bundling
  • Multi-vehicle
  • Membership or employment in certain businesses, occupational groups, or professional organizations
  • Military
  • Safe driver
  • Homeowner
  • Electronic funds transfer (EFT): You can be eligible for a small discount using automated withdrawals if you pay in installments.
  • Pay in full
  • Driving an electric or hybrid vehicle
  • Driving a car with an anti-theft device, anti-lock brakes (factory-installed), daytime running lights, airbags/automatic seatbelts, and a homing or tracking device.
  • VIN etching: Some auto insurance providers will remove your comprehensive coverage deductible if your automobile gets stolen and provide a discount for VIN etching.

Allstate - best for perks

It is the most expensive insurer for senior drivers, with a yearly rate of $1,912. The following are some typical coverages that Allstate offers.

  • Rental reimbursement
  • Roadside assistance
  • Sound system coverage
  • Accident forgiveness
  • New car replacement
  • Vanishing deductible
  • Rideshare coverage

Allstate car insurance senior discounts

Like most other insurers, Allstate doesn't offer special senior car insurance discounts. However, these are a few of Allstate's insurance reductions that can significantly lower your car insurance price.

  • New car
  • Bundling
  • Pay in full
  • Paperless billing: You will receive your insurance documentation and billing electronically if you are willing to go paperless. The insurance provider might provide a reasonable discount.
  • Early signing
  • Responsible payer
  • Anti-lock brakes and anti-theft devices
  • Autopay
  • Safe driving

See what you could save on auto insurance

Cheapest car insurance companies for seniors by state

These are the cheapest car insurance companies for seniors in various states.

State Insurer Average annual rate
Alabama USAA $870
Arkansas Shelter $1,064
California Progressive $1,066
Delaware USAA $978
Florida State Farm $1,402
Georgia Progressive $1,160
Idaho State Farm $780
Indiana State Farm $794
Kansas Iowa Farm Bureau $1,098
Louisiana Southern Farm Bureau $1,382
Maine Concord $572
Michigan Progressive $1,172
Mississippi State Farm $1,052
Missouri Progressive $1,136
Montana State Farm $1,028
Nebraska Iowa Farm Bureau $1,204
New Hampshire Concord $622
New Jersey New Jersey Manufacturers $1,088
New Mexico USAA $848
New York Progressive $808
North Carolina State Farm $784
North Dakota Progressive $896
Ohio Nationwide $654
Oklahoma Progressive $1,092
Oregon Country $898
Rhode Island Travelers $1,326
South Carolina Travelers $1,158
South Dakota State Farm $1,058
Tennessee USAA $734
Texas State Farm $1,002
Utah Bear River $586
Vermont Concord $730
Virginia USAA $740
Washington USAA $850
West Virginia Erie $1,030
Wyoming USAA $778

Finding the best value for seniors: What to consider

Nationwide offers the best insurance coverage for senior drivers. However, that does not suggest that you must buy the insurance policy from that company alone. See our recommendations below if you're looking for additional suggestions on reducing your auto insurance rate.

  • Bundle your policies to save money on auto insurance potentially. Do this by combining your house, renter's, life, and umbrella policies with the same insurer.
  • Check for all discounts that the insurer offer. Pay in full, EFT, anti-theft, and safe/good driver are some examples of typical auto insurance discounts.
  • Recheck your auto insurance policy coverage. An older car may not require as much protection now. Consider dropping full coverage if the value of your car is less than the cost of insurance. Low mileage drivers may also be eligible for car insurance reductions if they don't drive much.
  • Try to get multiple quotes. You can do that via the comwebsite or app and get quotes from various insurers, compare, and buy the one with the cheapest quote.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


Who has the cheapest car insurance for seniors?

With an average annual rate of $932, Nationwide offers the cheapest car insurance for seniors.

What is the best car insurance company for senior citizens?

Our research found that USAA is the best car insurance for seniors, with an average customer satisfaction rating of 4.8.

Does State Farm offer a senior discount?

Like most insurers, State Farm doesn't have exclusive senior car insurance discounts.

Does auto insurance go down when you retire?

Yes. The average cost of auto insurance is already cheaper for drivers in their 50s and 60s than for any other age group. But unfortunately, many retirees fail to take advantage of sizable insurance savings simply because they fail to request them.

Does car insurance go up after age 80?

Yes. The main reason is that as people age, their risk of getting hurt or killed in a car accident increases, which results in higher auto insurance premiums.

Learn more by city and state for car insurance

Learn more by city and state for car insurance

Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!


app store
google play