Cheap Auto Insurance Rates for Seniors

If you’re looking for the best insurance for seniors, you will want to shop around and discover which company will work best for you. In most cases, car insurance rates increase as we age, so finding cheap senior auto insurance will require some research. You can ask for discounts — such as low mileage or policy bundles — to see if you can pay less for your coverage.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jan 19, 2022

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Can't-Miss Facts

  • Some car insurance companies offer discounts and incentives to senior citizens
  • It is common for car insurance rates to increase as you age due to a higher level of risk
  • Senior auto insurance rates vary significantly from one company to the next

If you’re a senior citizen, there are certain places you may be able to get a bit of a discount on different products. From grocery stores to restaurants to retail stores, businesses like to let seniors know they value them and want to retain their business.

Car insurance is one category that people don’t assume seniors can get a better deal on. In some cases, this is true. Auto insurance companies often increase car insurance rates as policyholders age due to a higher risk of accidents.

If you are looking for the best insurance for seniors, be sure to shop around and compare quotes from many different companies to find the best car insurance for seniors.

You can use our free quote tool above to compare rates for car insurance for senior citizens today and see how much you could save on coverage.

What is the best auto insurance for seniors?

Finding the best car insurance for senior citizens will necessitate some research on your end. Before you make any decisions on coverage, it’s a good idea to compare rates from companies that say they offer lower rates to senior citizens.

There is not an insurance company that caters only to senior citizens, nor is there a company that consistently offers seniors the best auto insurance rates in the U.S.

But there are some companies that tend to offer lower rates to senior citizens overall. These insurance companies include:

  • State Farm
  • Metromile
  • USAA
  • Allstate
  • GEICO
  • Nationwide
  • Progressive
  • Farmers
  • Travelers
  • MetLife

While it is not difficult to find auto insurance for seniors, it may be tricky to find affordable rates, depending on your age and driving history. Senior car insurance can offer some discounts, however, when it comes to the amount of time you spend behind the wheel and how many miles you travel per week.

Certain car insurance companies incentivize low-mileage policies. Companies like Metromile offer a pay-per-mile plan. So if you are a senior citizen who doesn’t drive that often, this type of plan may be beneficial to you.

Other companies listed above may be good choices for senior auto insurance because of their prevalence throughout the country and their impeccable customer service. However, just because you don’t see a company listed above doesn’t mean that company won’t be able to offer competitive rates when it comes to car insurance for seniors.

You can reach out to a representative of any company you’re considering to see how much their rates will be and ask if they will offer any discounts.

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How much are auto insurance rates for seniors?

It’s impossible to know exactly how much you would pay for senior car insurance until you get a direct quote from companies. But certain companies do have averages posted online.

The table below shows some of the most popular car insurance companies in the U.S. and their average annual rates for car insurance coverage for seniors.

Average Annual Rates for Senior Car Insurance

CompanyAnnual Rates for Seniors
State Farm$1,145
Nationwide$1,345
Allstate$1,377
Progressive$1,547
Farmers$1,655
Travelers$1,658
MetLife$1,665
USAA$1,235

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As you can see, certain companies like State Farm may offer extremely competitive rates. Other options, such as Farmers and MetLife auto insurance, may initially have higher rates for seniors.

But these companies are often able to still be competitive in the market with senior citizens by offering discounts and other incentives for coverage.

How can I lower my senior auto insurance rates?

If you find that you’re still unhappy with senior car insurance rates from most companies, you may still be able to lower your rates in a few different ways. Some of the best ways to lower your car insurance rates as a senior include:

  • Take a driving class
  • Drive a cheaper car
  • Ask about discounts
  • Drive less
  • Ask for a higher deductible
  • Drop coverage you don’t need
  • Shop around for coverage from other companies

Shopping around for coverage is one of the best things you can do to make sure you are not paying too much for your car insurance. You can get quotes for car insurance online to get started.

In fact, you can use our free quote tool below to find and compare car insurance rates from top companies for senior citizens today.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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