Senior citizens can save big bucks on their car insurance by finding an insurance provider that's able to match your needs. Read this guide to learn more.

Written by Jacoba Bood

Reviewed by Kathleen Flear

Updated on Jan 29, 2024

Table of Contents

Best companies
Geico
State Farm
Amica
AARP
Metromile
USAA
Average rates
Average rates by state
Violations on your driving record
Pandemic effects on rates
Easy ways to save
Discounts
FAQ

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The average car insurance cost for 65-year-olds is just over $1,700 a year for a full-coverage policy.

Age is just one of many factors that go into determining your car insurance rates. Your rates will vary from provider to provider according to your location, driving history, and type of car your drive—just to name a few.

The best way for older adults to find the best rates is to compare

car insurance

quotes online.

Thankfully,

Jerry

is here to make everything easier. After all, your golden years are for relaxing and hobbies, not worrying about car insurance.

If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you're not responsible for any long forms or phone calls. You get all of the savings and coverage, with none of the hassles.

With that in mind, Jerry has compiled all the information you need to know about finding the best car insurance for senior citizens.

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Best car insurance companies for senior citizens

Best all-around pick: GEICO

Best saving-potential: State Farm

Best overall experience: Amica

Best senior-friendly coverage: AARP

Best low-mileage option: Metromile

Best military and veteran provider: USAA

Best high-risk driver rates: Progressive

Best all-around pick: GEICO

GEICO

is consistently one of the most affordable major insurance providers in the country for drivers of any age.

They even offer senior-friendly perks like guaranteed renewal plans for drivers over the age of 50.

Combine this with the fact that they also offer a full range of discounts and high

J.D. Power and Associates Auto Insurance Satisfaction Study

scores, and you have a winner!

The only major downside is that talking to an agent in person can be next to impossible, so if you value in-person service, you might want to look elsewhere.

Pros	Cons
- Lower premium rates for reduced-mileage drivers	- Not ideal for high-risk drivers
- High customer satisfaction	- Almost no in-person service availability
- Guaranteed renewal plans for drivers over 50

Best saving-potential: State Farm

If you are a safe driver with good credit,

State Farm

might offer the best rates for you.

The company offers some of the best discount potentials. They rank consistently high in claims and customer satisfaction and have plenty of in-person agents available.

The downside is that State Farm rates will usually jump if your credit score or driving record is less than perfect.

Pros	Cons
- Best discounts and saving-potential for seniors who are safe-drivers	- Features and coverage not available in all states
- Plenty of local agents and in-person service options	- Not a good choice for drivers with bad credit
- Strong customer satisfaction ratings

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Best overall experience: Amica

Amica insurance is another top-rated provider that ranks high in customer satisfaction.

Amica is mutually owned by policyholders and offers loyalty rewards programs and defensive driving course discounts that cater to senior drivers’ needs.

Amica does lag behind in the technology department. It doesn’t offer telematics programs, and its outdated platform isn’t well-suited to people who like to conduct their business online.

Pros	Cons
- Strong claims satisfaction and customer experience ratings	- Poor digital experience ratings
- Get money back on your investment with dividend-paying policies	- No telematics programs
- Great loyalty and safe driving discounts

MORE: The benefits of taking a defensive driving course

Best senior-friendly coverage: AARP

AARP

offers exclusive senior-friendly insurance packages through The Hartford.

Available to members 50 and older, it boasts unique programs like RecoverCare that could help you cover the costs of services for things that have become difficult to do on your own as the result of an accident.

AARP’s coverage is not the cheapest option out there, so you will have to consider if the tailored experience outweighs the policy price.

Pros	Cons
- Coverage options tailored to the needs of older adults	- Must be an AARP member to subscribe
- Great in-person service	- Higher rates than most providers
- Better-than-average customer satisfaction ratings

Best low-mileage option: Metromile

Metromile

is a great option for senior low-mileage drivers.

Metromile calculates its rates according to a unique formula, putting more weight into the number of miles you drive.

Unfortunately, Metromile is only available in a handful of states. In addition, its digital-based platform and lack of in-person service options might not be ideal for older adults.

Pros	Cons
- Ample savings potential for drivers who log less than 10,000 miles a year	- Only available in a limited number of states
- Most coverage options include pet injury protection	- Continuous driver monitoring
	- No in-person service

MORE: Cheap car insurance for low-mileage drivers

Best military and veteran provider: USAA

USAA

were available to everybody, it would rank in the top spot of this survey.

However, USAA is only available to military members, veterans, and their families. Older adults who are eligible for a USAA policy will want to consider a switch. USAA offers the cheapest rates for senior drivers and has high customer satisfaction ratings to match.

Some of the more significant drawbacks to USAA are that there are no online policy sign-up options and no in-person customer service. Policies are only sold over the phone.

Pros	Cons
- Cheapest insurance rates for older adults	- Only available to USAA members
- High customer satisfaction ratings	- Must buy policies over the phone
- Ample discounts

Best high-risk driver rates: Progressive

Progressive

offers relatively reasonable rates to drivers who have a less-than-perfect driving history. Not to mention, plenty of discounts and savings potential.

Progressive doesn’t score particularly well in the claims satisfaction department and its customer satisfaction scores are average.

Pros	Cons
- Could be the cheapest option for high-risk drivers aged 50-70	- Telematics program might increase rates
- Great online features	- Not the cheapest option
- In-person service available

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MORE: What you need to know about pay-per-mile insurance

Insurance rates for seniors

Older drivers are likely to have more driving experience and less likely to take risks when driving.

If you maintain a clean driving record, your average

car insurance

rates will usually start decreasing after you turn 30. Better senior insurance rates are just one of the many wonderful perks of retirement.

If you really want to take advantage of all your senior-saving potential, make sure that you use the licensed insurance app

Jerry

to handle your insurance shopping for you!

Here’s what seniors are paying when they switch policies with Jerry by age.

Age	Average Monthly Rates	Average Monthly Rates with Jerry
60	$285	$130
70	$170	$145
80	$110	$70

MORE:

Should you use a car insurance broker?

Average senior car insurance rates by state (Age 65)

Your state can have a big impact on your car insurance, regardless of your age. In mostly-rural

Montana

, seniors enjoy the extremely low monthly average premium of $100. Whereas in no fault-states, like

Kentucky

the average rises to $237.

No matter your state, Jerry can help you save.

Here’s how much seniors are paying for car insurance by state after switching policies with

Jerry

State	Average monthly insurance costs
Alabama	$133
Arizona	$147
Arkansas	$135
California	$128
Colorado	$211
Connecticut	$149
Delaware	$208
Georgia	$290
Idaho	$130
Illinois	$132
Indiana	$192
Kansas	$130
Kentucky	$237
Louisiana	$171
Maryland	$429
Michigan	$172
Minnesota	$140
Montana	$100
Nebraska	$105
New Jersey	$227
New York	$232
North Carolina	$186
Oregon	$101
Pennsylvania	$150
South Carolina	$184
Tennessee	$169
Texas	$140
Utah	$132
Virginia	$123
Washington	$207
Wisconsin	$92
Wyoming	$1 95

*Data not available for some states

MORE:

Minimum car insurance required in your state: What you need to know

What if you have a violation on your driving record?

Senior drivers who have infractions or points against their license will end up paying higher rates for their insurance premiums. Some violations, like

DUIs

, can have a significant effect on premium rates.

Average annual premiums for seniors with violations:

Infraction	Average annual premium	Average annual premium with Jerry
No violations	$2273	$1205
Speeding under 15	$2317	$1231
Speeding over 15	$3026	$1404
Seat belt	$1650	$1020
Illegal turn	$2568	$1796
License suspension	$3492	$1512
DUI	$4484	$1528

Infractions or not, you can always save on your insurance when you use

Jerry

to handle your insurance shopping for you.

As a

licensed broker

, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry is so simple and easy to use and will even cancel your old policy for you.

And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.

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Compare auto insurance policies

No spam or unwanted phone calls · No long forms

ZIP Code

Find insurance savings

Will the pandemic affect your insurance rates?

It might. The reasoning? Drivers are driving less than they were in years previous.

2020 to 2021 saw the first drop in average insurance rates since 2016. In most states, drivers saw their car insurance rates drop at the beginning of 2021. Hopefully, the trend stays strong.

If you want to be sure that you are never missing out on savings, download

Jerry

Insurance shopping isn’t always easy.

If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls, and even cancels your old policy on your behalf—oh, and it’s free!

Some easy ways to save on your car insurance

It never hurts to improve your driving skills. As a bonus, some insurance providers like Geico and AARP will decrease your insurance rates when you take the time to level up with a defensive driver course.

Just be sure to choose a course approved by your insurance company to score savings on your policy in the future.

Take advantage of telematics programs

Most major insurance providers offer telematics programs. These programs will track your driving habits and the miles you drive. High-scoring drivers will be rewarded with policy discounts.

Just be sure to look into the details of the program before signing up. Some programs, like the

Nationwide

SmartRide program, offer an immediate discount just for signing up.

On the other hand, some programs might actually increase your policy price if you don’t score well on your evaluation.

Cash in on available discounts

When it comes to savings potential, knowledge is power.

Almost all major providers will offer up a full range of discounts—some of which are tailored specifically to the needs of older adults.

Some seniors can take advantage of discounts include:

Safe driver discounts

Loyalty discounts

Bundling discounts

Safety features or green vehicle discounts

Paid-in-full discounts

Of course, the easiest way to save on your insurance is to let

Jerry

do it for you!

Jerry is your ultra-talented car insurance broker for life. No need to sit across from him at a desk—Jerry.ai is an app! It takes less than a minute to sign up, and Jerry will present you with competitive rates from up to 45 top providers.

Don’t lose coverage. Find savings with Jerry.

FAQs

Who has the cheapest car insurance for seniors?

State Farm has the best potential savings, and AARP will have the best coverage options that are senior-friendly. You should shop around with both carriers if you're looking to get the cheapest car insurance as a senior driver.

Do seniors get a discount on car insurance?

No, seniors don't usually get discounts on car insurance just for being senior citizens. In fact, being older could result in higher premiums, as you present more of a risk while driving.

However, there are plenty of other discounts you can qualify for. Safe driving, loyalty, bundling, and defensive driving discounts are all examples of discounts that you can get at any age.

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