Who has the best car insurance rates for seniors?

Asked by: Rupert Keeling  |  Last update: May 12, 2025
Score: 4.5/5 (30 votes)

The Best Auto and Home Insurance Companies for Seniors
  • State Farm - Most affordable.
  • Allstate - Best bundling.
  • USAA - Best for military personnel and veterans.
  • AARP from The Hartford - Best membership benefits.
  • Travelers - Best customizable packages.

Who has the cheapest auto insurance for seniors?

Our research found that Auto-Owners, Travelers, Geico, USAA and Nationwide may be the cheapest car insurance companies for seniors based on average rates from Quadrant Information Services. Rates provided are for a 70-year-old driver with a clean driving record.

What is the best insurance company for older cars?

Best classic car insurance
  • Best for availability: American Collectors.
  • Best for restored vehicles: Hagerty.
  • Best for regular use: Safeco.
  • Best for immediate coverage: Grundy.
  • Best for high-value vehicles: Chubb.

What is the best car insurance for senior citizens?

The Best Auto and Home Insurance Companies for Seniors
  • State Farm - Most affordable.
  • Allstate - Best bundling.
  • USAA - Best for military personnel and veterans.
  • AARP from The Hartford - Best membership benefits.
  • Travelers - Best customizable packages.

Is AARP car insurance cheaper than Allstate?

Is AARP car insurance cheap? AARP insurance from The Hartford is cheaper than average. Quotes from AARP are cheaper than Allstate and State Farm but not Progressive for sample drivers.

Best Car Insurance For Seniors 🇺🇸 | [Top 5] Senior's Car Insurance Companies

30 related questions found

Does car insurance go up when you turn 65?

When you turn 65, you may pay more or less for car insurance, depending on where you live and which insurance company you use. In many cases, as long as you have a good driving record, your insurance premium may end up decreasing when you turn 65.

Is Geico cheaper than Progressive?

GEICO is cheaper and has better ratings than Progressive. Your experience with GEICO and Progressive will vary based on individual rating factors.

How much is AARP car insurance for seniors?

The average cost of AARP auto insurance is $1,332 per 12-month policy — or approximately $111 per month (methodology). AARP members receive discounted car insurance through The Hartford, a company providing auto insurance for drivers older than 50.

What insurance company does AARP recommend?

AARP® Homeowners Insurance Program from The Hartford

Plus, you could save up to 20% when you bundle your home and auto policies. No-cost, no-obligation quotes are available.

What is the best insurance company for senior citizens?

The best life insurance companies for seniors at a glance
  • Guardian Life: Best for payment flexibility.
  • MassMutual: Best for elderly applicants.
  • Northwestern Mutual: Best for the potential to earn dividends.
  • New York Life: Best coverage range.
  • USAA: Best for coverage flexibility.

Who typically has the cheapest car insurance?

Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.

Does AARP lower your car insurance?

This includes new car replacement,§§ a 24/7 car insurance claims hotline and additional coverages to help protect you and your car while you're on the road. Affordability: AARP members can qualify to save on car insurance up to 10% just for being an AARP member.

Who's cheaper, State Farm or GEICO?

Is Geico cheaper than State Farm? While Geico's average rates are below the national average for both minimum and full coverage, State Farm's average rates are actually slightly higher than the national average, according to Bankrate's analysis of premium data from Quadrant Information Services.

Is State Farm cheaper than Progressive?

State Farm has cheaper home and car insurance quotes than Progressive. It also has higher customer satisfaction ratings. However, Progressive offers more discounts and coverage options, including gap insurance. Progressive is better for specialized car insurance coverage.

Is Allstate cheaper than GEICO?

GEICO is much cheaper and has better ratings than Allstate. Your experience with GEICO and Allstate will vary based on individual rating factors.

What is the cheapest car insurance for seniors?

Nationwide — the most affordable company for seniors

At $77 a month, Nationwide is the cheapest car insurance company for drivers in their 60s and can cover all of your bases when it comes to coverage. The company offers some coverage add-ons that can provide more protection beyond a basic policy: Roadside assistance.

Is AARP cheaper than State Farm?

State Farm is the cheapest option overall, with an average monthly rate of $54 for liability coverage. The Hartford has an average monthly rate of $93 for drivers with an AARP membership. But this is just the national average for each insurer.

At what age is car insurance most expensive?

The Insurance Institute for Highway Safety reports that teen drivers are four times more likely to get into a car crash than drivers 20 and older. As a result, car insurance companies view young drivers as the most risky to insure. Drivers ages 16 to 24 tend to face the highest premiums compared to other age groups.

What is the cheapest car insurance group?

Group 1 is the lowest insurance group, which also means it's the cheapest insurance group. Group 50 is the most expensive. However, premiums aren't just based on insurance group. Other factors are taken into consideration, too.

Is Allstate cheaper than State Farm?

Average Cost of Allstate Car Insurance

When comparing car insurance rates for Allstate vs. State Farm, you'll find that Allstate has higher rates for car insurance premiums than State Farm, and, overall, Allstate has higher average rates than other large insurance companies.

Is it better to have AAA or AARP?

AAA and AARP are quite evenly matched, but ultimately The Zebra recommends AAA for most drivers due to higher JD Power scores, broader eligibility requirements, and discount opportunities. Both options are solid, though, and drivers over 50 should consider both companies.