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Car insurance premiums tend to start high for new drivers and then come down over time as drivers gain experience behind the wheel. Through your 30s, 40s, and 50s, if you haven’t had any accidents, your rates will typically stay fairly steady and reasonable. Once you reach your 60s your car insurance rates may start to increase again.
That said, the effects of aging can vary dramatically from one individual to the next. What can a senior driver do to stay sharp and find the best car insurance rates? Which companies offer the best deals for senior drivers? Read on to learn more about the best car insurance for senior drivers.
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Car insurance for senior drivers
In the table below, you’ll find the best car insurance carriers for senior drivers. These companies typically offer special discounts for senior drivers crediting their driving experience, completion of a skills course, or for low mileage.
| Company | Score | States company sells car insurance in |
|---|---|---|
| USAA | 4.71 | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| AARP Auto Insurance Program from The Hartford | 4.56 | AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| Metromile | 4.21 | AZ, CA, IL, NJ, OR, PA, VA, WA |
| Amica | 4.20 | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| GEICO | 4.12 | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| Allstate | 4.02 | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| Farmers Insurance | 3.98 | AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, MD, ME, MI, MN, MO, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY |
Not all of these insurers offer coverage in every state, so be sure to check the Clearsurance rankings page for best car insurance in your zip code to see if coverage is available in your area.
USAA Insurance
USAA is consistently a top-rated insurer, so it’s no surprise that they are on the list for senior drivers as well. However, you’ll only be able to access this vehicle insurance if you’ve served in the military yourself, are currently serving, or for other ways. There are a number of ways you can qualify for USAA eligibility.
If you already have USAA auto insurance, you may qualify for discounts based on completing a defensive driving course. Other recommendations from USAA to lower your premium if you’re a senior driver include selecting a vehicle that has enhanced safety features, such as backup sensors and autonomous braking systems, and asking about low-mileage car insurance discounts.
AARP Auto Insurance Program from The Hartford
It’s no surprise that among the best car insurance options for senior drivers is an insurance program designed with senior drivers in mind. The AARP Auto Insurance Program from The Hartford offers a number of special features for senior drivers.
Metromile Insurance
If you find you’re driving less and sticking closer to home, you might want to consider Metromile. Although not specifically targeted to seniors, Metromile is pay per mile insurance, so if you aren’t driving as much, it could be a less expensive option.
With Metromile, you pay a flat monthly fee plus a few cents for each mile you drive, which is tracked by a device provided by Metromile. For seniors who find themselves driving locally around town a few times a week or month, an insurance plan targeted to low-mileage drivers might be worth investigating.
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Amica Insurance
Amica is an auto insurer that consistently receives high marks from reviewers. If you are a senior who has been with them for a while, you may already be eligible for a loyalty discount. The longer customers stay with Amica, the greater the savings may be.
For seniors willing to take a defensive driver training course, qualified adult drivers who successfully complete such a course may also be eligible for discounts.
GEICO Insurance
GEICO offers policyholders age 50 and older (who qualify) a guaranteed renewal program. There are some important provisions that you have to meet in order to qualify, such as not having any operators (drivers) under the age of 25 on the policy, no accidents in the past three years, and you’re prohibited from using the covered vehicle for business.
However, if you meet those conditions, their Prime Time Contract could be applied automatically if you switch to GEICO insurance; or, if you’re already a GEICO customer, it may be made available at renewal.
GEICO also offers discounts for seniors who complete a defensive driving course, so if you’re 50 or older, you might want to investigate the options GEICO offers. GEICO also reportedly offers some of the best rates for senior drivers.
Allstate Insurance
Allstate is a large insurance company, which helps them keep rates in check. If you’re a driver age 55 and older, you may qualify for a senior discount. As with many insurers, this discount is contingent upon having a clear driving record with no recent accidents.
You can also save money as an Allstate customer by signing up for the Drivewise app. Drivewise is an app that provides drivers with personalized feedback about their driving behaviors, such as keeping to safe speeds and tracking things like hard braking, and rewards good driving through credits applied to your policy.
Farmers Insurance
Farmers Insurance is a nationally available auto insurer and they offer a Senior Defensive Driver Discount for drivers. The age varies by state. In some states you may qualify for this discount as soon as you turn 55; in other states the qualifying age is 65.
Upon the successful completion of a driver’s education course approved by the state’s Department of Motor Vehicles, you can qualify for the discount.
No matter which company you decide to go with, remember to ask for any discounts that might also apply to help you save money on senior driver car insurance. Some examples of discounts include bundling (if you have other policies with the same company), or low mileage (if that applies to your driving situation).
To see how all of these insurance companies rank in your zip code, check out the top rated carriers in the Best of 2022 Car Insurance Ratings on our website.
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The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.