The best auto insurance for seniors is from Geico, USAA, and Esurance. These companies have the best car insurance for seniors because of their low premiums, strong customer service, and high ratings from WalletHub editors.
Best Auto Insurance for Seniors
- Geico - $461 per year
- USAA - $500 per year
- Esurance - $681 per year
- AAA - $579 per year
- State Farm - $559 per year
- The Hartford - $687 per year
- Travelers - $644 per year
- Progressive - $588 per year
- Mercury - $620 per year
- Allstate - $801 per year
Auto insurance companies typically charge more to insure senior citizens, so it’s important for older drivers to seek insurance providers that offer ample opportunities to save on auto insurance premiums.
Table of Contents
Best Car Insurance for Seniors ComparisonBest Auto Insurance for Seniors ComparisonAuto Insurance Discounts for SeniorsTips for Finding the Best Senior Citizen Car InsuranceVideo: Best Auto Insurance for SeniorsMethodologyAuto Insurance for Seniors FAQ
Best Car Insurance for Seniors
GEICO
Rating, 2 out of 5 8,653 Reviews (8,653)
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GEICO
Rating, 2 out of 5 8,653 Reviews (8,653)
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The best auto insurance company for seniors is Geico because it has the cheapest premiums for senior drivers, according to WalletHub’s analysis. Geico also earns high marks from WalletHub editors for its variety of coverage options, ease of use, and multitude of discounts.
- WalletHub's editor review:2.0/5
- BBB rating:A+
- J.D. Power rating:4.2
- AM Best rating:A++
- Average premium for seniors:$461 per year
USAA Insurance
Rating, 2.5 out of 5 3,393 Reviews (3,393)
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USAA Insurance
Rating, 2.5 out of 5 3,393 Reviews (3,393)
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USAA is a great car insurance option for seniors, as the company offers a wide range of discounts and coverage options. However, USAA is only available for retired veterans, active-duty military members, and their families.
- WalletHub's editor review:2.6/5
- J.D. Power rating:4.4
- AM Best rating:A++
- Average premium for seniors:$500 per year
Esurance
See Also7 Best Classic Car Insurance Companies Of June 2024Is Comprehensive Insurance Worth It? Everything You Need To Know Rating, 3.5 out of 5 1,620 Reviews (1,620)
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Esurance
Rating, 3.5 out of 5 1,620 Reviews (1,620)
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Esurance is rated highly by users on WalletHub and boasts great reviews from J.D. Power and the Better Business Bureau. Esurance also offers competitive premiums, along with a plethora of discounts and coverage options. However, Esurance is not available in every state and is best for seniors who are comfortable managing their auto policy entirely online.
- WalletHub's editor review:3.5/5
- AM Best rating:A+
- Average premium for seniors: $681 per year
AAA Insurance
Rating, 2 out of 5 931 Reviews (931)
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AAA Insurance
Rating, 2 out of 5 931 Reviews (931)
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In addition to AAA’s well-known roadside assistance program, they also offer great auto insurance policies. Seniors can get competitive rates from AAA, as well as access to a variety of discounts. While AAA’s customer service isn’t always the best, their claims process and transparency are consistently well reviewed.
- WalletHub's editor review:2.2/5
- BBB rating:A+
- J.D. Power rating:4.1
- AM Best rating:A
- Average premium for seniors:$579 per year
State Farm
Rating, 3 out of 5 3,775 Reviews (3,775)
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State Farm
Rating, 3 out of 5 3,775 Reviews (3,775)
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State Farm offers competitive rates for senior drivers, as well as an impressive array of discounts and coverage options. The company also receives high marks for customer service. However, consumers complain that State Farm’s claims process can sometimes be frustrating.
- WalletHub's editor review:3.2/5
- BBB rating:A+
- J.D. Power rating:4.2
- AM Best rating:A++
- Average premium for seniors:$559 per year
The Hartford
Rating, 2.5 out of 5 561 Reviews (561)
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The Hartford
Rating, 2.5 out of 5 561 Reviews (561)
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The Hartford is best known for having an auto insurance program designed specifically for AARP members, featuring discounts and coverage options tailored to drivers aged 50 and over. While The Hartford receives great ratings from the NAIC and the Better Business Bureau, consumer complaints highlight that their customer service and claims processes are wanting.
- WalletHub's editor review:2.3/5
- BBB rating:A+
- J.D. Power rating:4.2
- AM Best rating:A+
- Average premium for seniors:$687 per year
Travelers Insurance
Rating, 2 out of 5 663 Reviews (663)
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Travelers Insurance
Rating, 2 out of 5 663 Reviews (663)
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Travelers has pretty great premium pricing for senior drivers, in addition to a good range of coverage options and a multitude of discounts. However, Travelers’ customer service department has room for improvement.
- WalletHub's editor review:1.9/5
- BBB rating:A
- J.D. Power rating:4.1
- AM Best rating:A++
- Average premium for seniors:$644 per year
Progressive
Rating, 2.5 out of 5 4,049 Reviews (4,049)
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Progressive
Rating, 2.5 out of 5 4,049 Reviews (4,049)
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Progressive’s pricing, discounts, and coverage options are all well-rated by WalletHub’s editors, but Progressive’s rates are higher than their competitors’ rates for senior drivers. Their customer service is lacking, too, and they are not always as transparent as possible on their website.
- WalletHub's editor review:2.5/5
- BBB rating:A+
- J.D. Power rating:4.1
- AM Best rating:A+
- Average premium for seniors:$588 per year
Mercury Insurance
Rating, 2 out of 5 493 Reviews (493)
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Mercury Insurance
Rating, 2 out of 5 493 Reviews (493)
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For a low-maintenance senior driver who only needs a basic insurance plan at an affordable price, Mercury may be a great choice.Mercury offers great rates to senior customers, but coverage is only available in 11 states (including Arizona, Florida, and New York).
Mercury also offers a standard range of coverage options, but their list of discounts is smaller-than-average. Additionally, their claims process and customer service are not the best.
- WalletHub's editor review:2.1/5
- BBB rating:A-
- J.D. Power rating:4.1
- AM Best rating:A
- Average premium for seniors:$620 per year
Allstate
Rating, 3 out of 5 2,689 Reviews (2,689)
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Allstate
Rating, 3 out of 5 2,689 Reviews (2,689)
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Although Allstate is a highly rated insurance company overall, they are not the best choice for most senior drivers who are looking for an affordable policy. Allstate’s rates are significantly higher than their competitors’ rates, and they don’t offer as many discounts as most companies their size. They’re also not very forthcoming with information on their website.
- WalletHub's editor review:2.8/5
- BBB rating:A+
- J.D. Power rating:4.1
- AM Best rating:A+
- Average premium for seniors:$801 per year
Best Auto Insurance for Seniors Comparison
| Insurer | Average Premium | User Rating on WalletHub |
|---|---|---|
| Geico | $461 per year | 2.0/5 |
| USAA | $500 per year | 2.6/5 |
| Esurance | $681 per year | 3.5/5 |
| AAA | $579 per year | 2.2/5 |
| State Farm | $559 per year | 3.2/5 |
| The Hartford | $687 per year | 2.3/5 |
| Travelers | $644 per year | 1.9/5 |
| Progressive | $588 per year | 2.5/5 |
| Mercury | $620 per year | 2.1/5 |
| Allstate | $801 per year | 2.8/5 |
Auto Insurance Discounts for Seniors
Many insurance companies offer discounts of up to 15% for taking a mature driver course. And in some states, your insurance company is legally required to give you a discount if you complete an approved course.
Senior drivers can also benefit from usage-based insurance programs, which calculate premiums according to driving habits. Retired seniors and those who drive fewer miles than average are especially likely to benefit from these programs.
Lastly, some seniors might qualify for affiliation discounts based on their membership in certain professional organizations, alumni groups, or recreational clubs.
Learn more about auto insurance discounts for seniors.
Tips for Finding the Best Senior Citizen Car Insurance
Compare quotes frequently.
Older drivers often start to see higher insurance premiums once they turn 60 years old, with additional increases at 70 or 80. This means that regardless of your safe driving record, you might have to compare quotes to find more affordable auto insurance rates each time you pass one of these milestones.
Consider a policy designed specifically for seniors.
For example, The Hartford’s AARP Auto Insurance offers special discounts and tailored benefits to AARP members. Senior drivers should consider the perks of such programs in addition to other factors, like cost and customer service record.
Adjust your coverage limits according to your risk.
Statistics show that older drivers are more likely than middle-aged drivers to suffer serious injuries in car accidents. Senior citizens should thus consider increasing their coverage limits for insurance that covers medical bills, such as personal injury protection and uninsured motorist bodily injury coverage.
Video: Best Auto Insurance for Seniors
Methodology
WalletHub editors ranked 17 car insurance companies to determine the best cheap auto insurance for seniors. The companies were evaluated based on:
- Premium
- WalletHub editor rating
- User rating on WalletHub
Companies earned a maximum of 5 points for each category. WalletHub editors then ranked companies by total points to determine the best car insurance for seniors. Price was used as a tiebreaker where needed.
The premiums used for this analysis are an average of a series of quotes sourced from Quadrant Information Services, using California ZIP codes and a 65-year-old driver with a good driving record. The following coverage limits were applied:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
