What are the cheapest car insurance companies for older drivers?

The cheapest car insurance companies for older drivers will vary from person to person. To find the best car insurance company with the lowest rate for your individual driving profile, you may want to request quotes from several companies. When shopping, experts recommend asking for the same coverage from each insurer in order to compare quotes accurately. Each carrier also offers its own suite of car insurance discounts. Some popular opportunities you may want to ask about include bundling, telematics and discounts for drivers who are members of a professional organization or alumni group.

Which car insurance gives discounts to drivers over age 60?

Car insurance companies don’t usually offer a specific senior driver discount, but some discounts may only be available to those above a certain age. For instance, some defensive driving course discounts are only available to drivers older than 50 or 55. Furthermore, The Hartford is a carrier only available to senior drivers since you must be a member of AARP to qualify for coverage. Geico also offers its Prime Time contract, which is only available to drivers over 50.

Does car insurance go down when you turn 60?

Car insurance premiums for drivers over 60 can be somewhat of a roller-coaster. On average, rates for drivers with clean driving records are cheaper at age 60 than at age 50, 40 or 30. However, that trend tends to turn around at age 70, when rates generally rise again. Drivers in their 60s generally have some of the most experience of any drivers on the road. However, age-related health problems (like poor eyesight and other issues) may compromise driving abilities from age 70 onward, negating some of that experience. Your personal rates may vary, though, depending on several variables.

What is the cheapest car insurance for seniors in California?

While some insurers may offer lower rates to senior drivers, the cheapest company for you will depend on several personal variables, such as your driving record, ZIP code, vehicle type and more. To help you pinpoint the most competitively priced policy, consider that 60-year-old drivers in California pay an average of $2,487 per year for full coverage and $630 per year for minimum coverage. Further, Bankrate’s research on the cheapest car insurance in California revealed Geico offers some of the lowest average rates for minimum coverage, while Kemper offers the lowest average rates for full coverage.

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Car insurance for 60-year-olds

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How much does car insurance cost for 60-year-olds?

Based on research by Quadrant Information Services, the average cost of car insurance for a 60-year-old individual on their own policy is $2,439 annually for full coverage, while state-mandated minimum coverage averages $767. Both these rates are below the national averages, which are $2,671 for full coverage and $806 for minimum coverage. Note that age cannot be used as a rating factor in two states, Hawaii and Massachusetts, although carriers in Massachusetts may take into consideration the number of years you have had a license.

You may also want to keep in mind that, while important, age is not the only factor that can impact the shopping around for affordable coverage.

Car insurance for 60-year-olds by state

Where you live has an impact on your car insurance rates. Each state’s minimum car insurance requirements affect the cost of insurance based on how much coverage you need to drive legally.

Florida, Michigan and New York are among the most expensive places for car insurance, partly because they’re no-fault states. In a no-fault state, each driver pays for their own medical bills regardless of fault. In these states, drivers must buy PIP insurance to account for these laws. No-fault states also have a high level of litigated claims compared to at-fault states, which can drive up the cost of coverage.

Additionally, differences in weather patterns, vehicle crime rates, accident frequency, uninsured motorist rates, population density and more make some states riskier to extend coverage in than others. For instance, Floridians may be more likely to file comprehensive claims because of the state’s propensity for flooding and hurricanes.

Hawaii

$1,678

$413

Idaho

$1,297

$356

Illinois

$2,141

$631

Indiana

$1,533

$422

Iowa

$1,686

$307

Kansas

$2,138

$549

Kentucky

$2,270

$666

Louisiana

$3,789

$1,012

Maine

$1,552

$401

Maryland

$2,766

$1,037

Massachusetts

$1,968

$623

Michigan

$2,778

$789

Minnesota

$2,284

$671

Mississippi

$2,046

$490

Missouri

$2,129

$581

Montana

$2,222

$389

Nebraska

$2,060

$483

Nevada

$3,214

$996

New Hampshire

$1,514

$441

New Jersey

$3,064

$1,353

New Mexico

$1,949

$433

New York

$3,845

$1,681

North Carolina

$1,722

$565

North Dakota

$1,546

$360

Ohio

$1,643

$462

Oklahoma

$2,463

$512

Oregon

$1,899

$781

Pennsylvania

$2,217

$501

Rhode Island

$2,760

$856

South Carolina

$1,813

$628

South Dakota

$1,962

$337

Tennessee

$1,764

$480

Texas

$2,480

$723

Utah

$1,952

$766

Vermont

$1,409

$321

Virginia

$1,823

$690

Washington

$1,701

$546

West Virginia

$1,898

$529

Wisconsin

$1,677

$419

Wyoming

$1,591

$247

District of Columbia

$2,679

$875


Alabama	$1,953	$535
Alaska	$2,153	$459
Arizona	$2,369	$790
Arkansas	$2,117	$451
California	$2,862	$874
Colorado	$2,837	$540
Connecticut	$2,490	$1,015
Delaware	$2,655	$1,014
Florida	$3,548	$962
Georgia	$2,638	$969
Hawaii	$1,678	$413
Idaho	$1,297	$356
Illinois	$2,141	$631
Indiana	$1,533	$422
Iowa	$1,686	$307
Kansas	$2,138	$549
Kentucky	$2,270	$666
Louisiana	$3,789	$1,012
Maine	$1,552	$401
Maryland	$2,766	$1,037
Massachusetts	$1,968	$623
Michigan	$2,778	$789
Minnesota	$2,284	$671
Mississippi	$2,046	$490
Missouri	$2,129	$581
Montana	$2,222	$389
Nebraska	$2,060	$483
Nevada	$3,214	$996
New Hampshire	$1,514	$441
New Jersey	$3,064	$1,353
New Mexico	$1,949	$433
New York	$3,845	$1,681
North Carolina	$1,722	$565
North Dakota	$1,546	$360
Ohio	$1,643	$462
Oklahoma	$2,463	$512
Oregon	$1,899	$781
Pennsylvania	$2,217	$501
Rhode Island	$2,760	$856
South Carolina	$1,813	$628
South Dakota	$1,962	$337
Tennessee	$1,764	$480
Texas	$2,480	$723
Utah	$1,952	$766
Vermont	$1,409	$321
Virginia	$1,823	$690
Washington	$1,701	$546
West Virginia	$1,898	$529
Wisconsin	$1,677	$419
Wyoming	$1,591	$247
District of Columbia	$2,679	$875

Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Car insurance rates for 60-year-olds by gender

Car insurance at age 60 for female drivers is generally lower than insurance for male drivers of the same age. Female drivers typically practice safer driving habits and tend to get into fewer accidents than males. In 2022, males aged 60 to 64 had an accident fatality rate of 10 per 100,000 people. This is quite a bit higher than the fatality rate for 60- to 64-year-old women (4.5 per 100,000 people). But the difference between genders usually narrows as drivers age further, and so do fatality rates.

However, not all states consider gender when determining your insurance premium. In California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania, carriers are not allowed to consider your gender when calculating your insurance premium.


60-year-old female	$2,424	$767
60-year-old male	$2,455	$767

What is the cheapest auto insurance for seniors?

When looking for the best cheap insurance companies for 60-year-old drivers, Bankrate's insurance editorial team looked beyond average rates. We chose providers based on diverse factors, including financial strength, customer satisfaction, digital tools, coverage options and advertised discounts.

Based on our findings, some insurance carriers provide better rates to older, experienced drivers. Our research shows that the carriers below offer some of the cheapest car insurance for 60-year-olds.


Auto-Owners	$489	$1,752
Geico	$581	$2,083
USAA	$609	$2,011
Travelers	$672	$2,013
Erie	$691	$2,047

Although Auto-Owners is only available in 26 states, the company’s average minimum and full coverage rates for drivers in their 60s are among the cheapest of all the carriers we analyzed. The carrier’s Personal Automobile Plus package may help take the guesswork out of car insurance by bundling 10 of the most popular options into a package, such as vehicle re-keying, identity theft protection and smartphone insurance. In addition, bundling car insurance with an Auto-Owners home insurance policy may reduce your premiums on both.

Geico has the most advertised discounts of all the insurance carriers on this list. If you’re a good driver with an accident-free driving record and no claims in the last five years, Geico could discount your premiums by up to 22 percent. In addition, eligible drivers over 50 are automatically signed up for Geico’s Prime Time contract. This unique feature may guarantee car insurance renewal as long as you remain with Geico (and meet other requirements, such as not listing any drivers on your policy under the age of 25).

In addition to low average rates, drivers eligible for USAA car insurance may enjoy unique military-focused benefits that may not be found with other carriers. This carrier's main drawback is USAA car insurance is only available to former and current military personnel and qualifying family members. However, eligible drivers may want to explore the company’s many discount opportunities and membership perks, such as potential price breaks on travel, car repairs and more.

Travelers offers car insurance in 42 states and Washington, D.C, and if it is available in your region, there are some good reasons why you may want to ask for a quote. The company has robust coverage options, allowing you to customize a policy to fit your specific needs and wishes. For example, the company has an accident and minor violation forgiveness option available in most states if you sign up for its Responsible Driver Plan. A Premier Responsible Driver Plan includes even more: a decreasing deductible for every six months that you are accident-free and a deductible waiver if your car is totaled in an accident.

Erie is one of our picks for the cheapest car insurance for 60-year-olds looking for full coverage. The regional company is only available in 12 states and Washington, D.C., but it offers extras you may not find elsewhere. These include roadside assistance and locksmith service coverage. Erie earns strong customer satisfaction scores from J.D. Power in regions where it writes policies, so it may be a good choice for shoppers who value service. However, Erie does not have robust digital tools, so it may not be the best choice for tech-savvy shoppers.

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How 60-year-old drivers can save on car insurance

When approaching retirement age, budgeting can be essential for maintaining your quality of life. With that in mind, we’ve compiled a list of strategies that may help you save money on car insurance and take some of the pressure off your budget.

Bundle insurance policies: At 60, you might have multiple types of coverage, such as home and auto insurance. Consolidating them under one provider could yield multi-policy discounts that simplify insurance management and lower overall costs.
Maintain a clean driving record: As an experienced driver, staying ticket and accident-free could make you eligible for safe driving discounts and help keep your rates low.
Review vehicle usage: With potential changes in driving habits, like pay-per-mile policies, both of which cater to drivers logging fewer miles.
Apply all eligible discounts: Almost every insurer offers at least a few discounts, and they can be easy to earn. Older drivers may find a discount available, for example, if they take a defensive driving course. Others offer discounts if you belong to a particular professional organization or alumni group.
Choose your vehicle carefully: If you're in the market for a new vehicle, comparing sample quotes for the models you're considering could help you find one with low coverage costs. Safety features might earn you additional discounts.
Monitor your credit: Maintaining good credit becomes beneficial for reducing insurance costs at any age. If you've spent decades building creditworthiness, continue managing it carefully to retain or enhance lower insurance premiums.

Frequently asked questions

The cheapest car insurance companies for older drivers will vary from person to person. To find the telematics and discounts for drivers who are members of a professional organization or alumni group.
Car insurance companies don’t usually offer a specific senior driver discount, but some discounts may only be available to those above a certain age. For instance, some defensive driving course discounts are only available to drivers older than 50 or 55. Furthermore, The Hartford is a carrier only available to senior drivers since you must be a member of AARP to qualify for coverage. Geico also offers its Prime Time contract, which is only available to drivers over 50.
Car insurance premiums for drivers over 60 can be somewhat of a roller-coaster. On average, rates for drivers with clean driving records are cheaper at age 60 than at age 50, 40 or 30. However, that trend tends to turn around at age 70, when rates generally rise again. Drivers in their 60s generally have some of the most experience of any drivers on the road. However, age-related health problems (like poor eyesight and other issues) may compromise driving abilities from age 70 onward, negating some of that experience. Your personal rates may vary, though, depending on several variables.
While some insurers may offer lower rates to senior drivers, the cheapest company for you will depend on several personal variables, such as your driving record, ZIP code, vehicle type and more. To help you pinpoint the most competitively priced policy, consider that 60-year-old drivers in California pay an average of $2,487 per year for full coverage and $630 per year for minimum coverage. Further, Bankrate’s research on the cheapest car insurance in California revealed Geico offers some of the lowest average rates for minimum coverage, while Kemper offers the lowest average rates for full coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$50,000 property damage liability per accident
$100,000 uninsured motorist bodily injury per person
$300,000 uninsured motorist bodily injury per accident
$500 collision deductible
$500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with age 60 (base: 40 years) applied. Drivers are homeowners. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Written by

Ashlyn Brooks

Writer II, Insurance