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Best Auto Insurance for Seniors in 2024

The best rates, plans, and discounts for older Americans

Best Senior Insurance for AARP Perks
AARP logo

Full Coverage Averages
• Annual Premium: $1,520
• Monthly Premium: $127

Read our review of The Hartford (AARP).
Specifically caters to seniors
Extra benefits like new-car replacement for AARP members
X Doesn’t insure Teslas

Best for Military Seniors and Veterans
USAA Logo 2023

Full Coverage Averages
• Annual Premium: $1,249
• Monthly Premium: $104

Read our USAA review.
Low rates and stellar customer service
Benefits extend to children and grandchildren
X Only for military members, veterans, and their families

Best for Seniors With Low Mileage
Nationwide logo

Full Coverage Averages
• Annual Premium: $1,460
• Monthly Premium: $122

Read our Nationwide review.
Pay-per-mile option
Gap coverage and new-car replacement
X Higher premium after at-fault an accident or DUI

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Our Commitment to You: At, our mission is to help you make smarter auto insurance decisions with confidence. We follow a strict editorial policy to ensure the accuracy of information presented is rooted in data and vetted by thousands of hours of research. While we may earn compensation from our partners, this does not influence our assessments and recommendations. Learn more about how we make money.

Is it challenging to lock down low car insurance rates? The cost of auto insurance tends to creep up when drivers enter their 60s and 70s, meaning the best insurance company won’t necessarily be the one they had in their 40s or 50s. We looked through thousands of insurers and narrowed down the best three auto insurers with different price ranges, senior discounts, and coverages for drivers with low mileage. Besides inexpensive premiums, we reviewed multiple factors, including senior-specific benefits, customer service, at-fault coverage, and accident forgiveness.

We believe that drivers of all ages should have access to reliable auto insurance plans at reasonable prices. That’s why we’ve scoured the internet to aid you in your search. Keep reading to discover the best auto insurer for seniors.

Get more useful car insurance info and check out our guide to safe driving for older adults and senior driver statistics and facts.

Editor’s note: We updated this page on April 23, 2024, to verify that the rates and data points are accurate.  

Car and cell phoneOur Top Picks for the Best Car Insurance for Seniors

  1. The Hartford – Best Insurance for AARP Perks
    The AARP auto insurance program from The Hartford serves Americans over 50. It offers a robust set of AARP membership benefits, a great service team, and a number of discounts.
  2. USAA – Best Insurance for Military Seniors and Veterans
    Available to military members, veterans, and their families, USAA offers some of the cheapest auto insurance on the market, along with a host of other financial services and membership benefits.
  3. Nationwide – Best Insurance for Low-Mileage Drivers
    Seniors who are driving less after retirement can save money with Nationwide’s pay-per-mile program, called SmartMiles.

Which provider offers the cheapest auto insurance rates for seniors?

GEICO ($1,334 annually) and USAA ($1,249 annually) typically have the cheapest auto insurance rates for seniors. Depending on your location and driving habits, you may save money by purchasing a pay-per-mile plan with Nationwide or Allstate. Certain regional providers, like NJM, Erie, and Farm Bureau, also tend to have good rates for seniors.

Summary of the Best Auto Insurance for Seniors

  1. 1.

    Best Senior Auto Insurance for AARP Perks: AARP

  2. 2.

    Best Auto Insurance for Military Seniors and Veterans: USAA

  3. 3.

    Best Senior Auto Insurance for Low-Mileage Drivers: Nationwide

  4. 4.

    Best Auto Insurance for Seniors With an At-Fault Accident: State Farm

  5. 5.

    Best Cheap Auto Insurance for Seniors: GEICO

Comparison of the Best Auto Insurance for Seniors

Company Average annual rate for senior drivers Criteria for senior-specific discount Retirement and investments plans J.D. Power claims satisfaction score (industry average is 873 out of 1,000)1
The Hartford (AARP) $1,520 Take a defensive driver course Yes 869
USAA $1,249 No discount (but low rates regardless) Yes 890
Nationwide $1,460 Age 55 or older, 3 years accident-free, and take a defensive driver course Yes 868
State Farm $1,544 Age 55 or older, accident free, and take a defensive driver course (availability and criteria vary by state) Yes 882
GEICO $1,334 Age 50 or 55 or older (depending on state), accident free, and take a defensive driver course (availability and criteria vary by state) No 874

Detailed List of the Best Auto Insurance Companies for Seniors

1. Best Senior Auto Insurance for AARP Perks - AARP
AARP logo

What We Like Most:

  • Best option for seniors
  • RecoverCare adds more coverage
  • Discounted policies from The Hartford

The American Association for Retired Persons (AARP) has been serving Americans over the age of 50 for more than half a century. On top of that, AARP has offered car insurance through its partnership with The Hartford since 1984. The annual average auto insurance cost of $1,520 is significantly cheaper than the national average of $2,071.

Although you don’t need to be an AARP member to sign up for auto insurance with The Hartford, its unique senior program is exclusive to AARP members. We like the AARP auto insurance program with The Hartford for its wide range of coverage options, discounts, benefits, and customer support services for seniors specifically.

ProsWho It's Best For
  • pro
    Americans over age 50
  • pro
    People who want to bundle their auto insurance
  • pro
    AARP members
  • pro
    Drivers who need gap insurance
ConsWho It's Not Best For
  • con
    Non-AARP members
  • con
    Drivers under age 50
  • con
    Tesla owners (AARP does not currently insure Tesla vehicles)

AARP Membership Benefits

When you buy a policy from The Hartford, you gain access to a robust set of AARP membership benefits on top of your auto insurance. From European rail tour deals and AARP travel guides to hotel deals and a variety of health and wellness benefits, your membership provides far more than just auto insurance. For example, your membership comes with a safe buying program that provides you with recommendations on the newest car safety features. Your membership opens you up to the following:

  • Rental car discounts
  • Exclusive AARP cruise tours
  • Flights and vacation packages
  • Hotel and resort packages
  • Dental, health, and vision bundling options
  • Shopping and grocery deals
  • Restaurant discounts
  • The AARP Social Security Resource Center for help with retirement
  • Access to the AARP job boards
  • Access to the AARP magazine

Additional Car Support and Services

Not only does the AARP have dedicated customer service representatives available 24/7, but it also has a number of safety nets in case of an emergency. For example, members can benefit from lifetime car repair assurance. If you use one of AARP’s more than 1,600 auto repair shops, AARP will pay for any unsuccessful repairs.

Another great support service is RecoverCare Essential Services Coverage, which provides you with a $2,500 reimbursement for household services if you’re hurt in an accident. That money can go to tasks like cleaning, lawn maintenance, snow removal, and household repairs.


Speak to an agent about AARP’s umbrella policies. With an umbrella policy, you’ll gain extra coverage and bundling options to fit your needs.

Long List of Discounts

The AARP’s auto insurance program with The Hartford may not be the cheapest provider on our list, but it has one of the longest lists of discounts available to seniors. You can lower your auto insurance costs with the following discounts:

  • 5 percent off with an anti-locking braking system
  • 10 percent off with the installation of an anti-theft system
  • Up to 20 percent off for insuring multiple vehicles
  • Up to 12 percent off if you complete the TrueLane safe driving program
  • 5 percent off if you move your insurance to The Hartford from another provider
  • Paying in full as opposed to monthly
  • Requesting a quote online
  • Up to 25 percent off for renewing your insurance
  • Hybrid and electric car (not available for Teslas)
2. Best Auto Insurance for Military Seniors and Veterans - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

USAA offers the cheapest rates among the 10 largest insurance providers.2 Membership is exclusive to military personnel, veterans, and their families. If you qualify, you can get some of the cheapest auto insurance rates in the country, exclusive USAA benefits, and financial support for investments and retirement. Additionally, once you sign up for membership, your children and grandchildren can become members and take advantage of USAA’s insurance offerings and financial services.

ProsWho It's Best For
  • pro
    Veterans, military personnel, and their families
  • pro
    Seniors earning extra income from rideshare driving
  • pro
    Safe drivers
  • pro
    Seniors with a new car
ConsWho It's Not Best For
  • con
    People not affiliated with the U.S. military
  • con
    Drivers who have a DUI

USAA Membership Benefits

Similar to AARP, the USAA offers several membership benefits to go along with your car insurance. These benefits become available to you as soon as you become a member, but the specific offerings will differ from state to state. Some of the most notable USAA membership perks include the following:

  • Financial advice for managing debt, planning for retirement, buying a home, saving, investing, and more
  • Special rates on auto loans
  • $0 down on ADT home security installation
  • Banking guidance to help you manage your loans and auto insurance
  • Discounts on hotels, cruises, shopping, vacation packages, travel insurance, and more
  • 24/7 customer support hotline
  • Benefits extend to former military members, spouses, and children of active/former military members

Good Savings and Discounts

USAA has a healthy list of discounts that save the average driver $725 per year — and those discounts extend to your spouse, children, stepchildren, and grandchildren as well. That said, USAA’s discounts will vary depending on the state you’re in, so be sure to speak to an agent to find out which savings are available to you and your family. Here are some examples:

  • Multi-vehicle discount
  • Discount for being accident-free for over five years
  • Up to 10 percent off for bundling home and car insurance
  • 3 percent off for setting up automatic payments.
  • Up to 10 percent off for transitioning off a parent’s policy (good for children and grandchildren)
  • Up to 30 percent off for completing the USAA SafePilot driving program
  • Good student discount, which can help children or grandchildren save

Coverage for Rideshare Drivers

Gig work — such as driving for Uber, Lyft, DoorDash, or a similar service — attracts a number of seniors looking for flexible work to supplement retirement income. According to market research, more than half of rideshare drivers are 50 or older, and nearly a quarter are 60 or older.3

When you drive for a rideshare company, your personal policy does not apply. The rideshare company covers you only after you’ve matched with a passenger, leaving a gap in coverage when the app is on but you’re waiting to match with a ride. A rideshare endorsement extends your policy during this time, ensuring you’re protected while working.

USAA offers rideshare coverage in every state except Hawaii, North Carolina, Michigan, Montana, New Mexico, New York, South Carolina, and Virginia.

3. Best Senior Auto Insurance for Low-Mileage Drivers - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

Nationwide is one of the few major insurers that offers a pay-per-mile program, which can help seniors who are driving less after retirement save money. The company also offers extra coverages and perks you won’t find everywhere.

ProsWho It's Best For
  • pro
    Seniors who drive infrequently
  • pro
    People with a new car
  • pro
    Safe drivers
  • pro
    Customers who plan to bundle a home, renters, or life insurance policy
ConsWho It's Not Best For
  • con
    Rideshare drivers
  • con
    Seniors with an at-fault accident or DUI

Mileage- and Usage-Based Options

Along with teens, drivers age 65 and older drive the least, according to the U.S. Department of Transportation. On average, seniors log ​​7,646 miles annually, compared to the national average of 13,476 miles.4

Nationwide’s mileage-based plan, called SmartMiles, can help you save money if you drive 8,000 miles or less annually. You’ll pay a monthly base rate, plus a per-mile rate depending on how much you drive. If you take a road trip, your daily mileage is capped at 250. Nationwide offers this plan in every state except Alaska, Hawaii, Louisiana, North Carolina, New York, and Oklahoma.

Seniors who drive more can still save with Nationwide’s usage-based program, called SmartRide, which rewards you for safe driving behaviors related to braking, acceleration, nighttime driving, and number of miles driven. You’ll get 10 percent off just for enrolling and then up to 40 percent off within 80 days depending on your driving. It’s a good option, considering many other providers cap the discount at 30 percent and make you wait until your next policy renewal (usually six months) to earn the safe driving discount.

On Your Side Review

Whether it’s retiring, buying a new house or car, moving, or something else, as people age, their insurance needs often change. As a free benefit, Nationwide offers an annual insurance assessment to help you understand your policy and make any necessary changes. A Nationwide professional will talk with you about:

  • Whether your current policy or policies give you the coverage you need
  • If recent or upcoming life events necessitate a change in coverage
  • Taking advantage of all available discounts

Coverages for New Cars

Nationwide offers a couple coverage options that will benefit new-car owners in particular:

  • Gap coverage, which pays for the difference in the actual cash value (ACV) of your vehicle and what you owe on the loan or lease in the event of a total loss
  • New-car replacement, which pays for a replacement vehicle in the event your new car is totaled


According to research from the Federal Reserve, the average age of a new-car buyer is 53, and older Americans make up a greater proportion of new-car buyers than they did in the early 2000s.5

Finally, Nationwide customers can reduce their deductibles by $100 for every year of safe driving, up to $500 total.

4. Best Auto Insurance for Seniors With an At-Fault Accident - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

Seniors are statistically less likely to get into an accident, but it can still happen, even to the safest of drivers. State Farm’s rates go up less than competitors’ for drivers with an at-fault accident, and the company also offers some coverage options that are nice to have.

ProsWho It's Best For
ConsWho It's Not Best For

Lower Rates After an Accident

For seniors with an at-fault accident, State Farm is a good option. In general, premiums increase by about 50 percent after an accident, but State Farm’s go up by only 12 to 20 percent.

Easy Mobile App Experience

State Farm has a simple and easy-to-use mobile app, which recently received recognition as the best insurance mobile app and bank mobile app in The Webby Awards and Mobile Web Award.6

With the app, you can manage your insurance and banking needs, file claims, ask for roadside assistance, access your ID cards, speak with agents, and more. Whether you’ve been using mobile apps to manage your insurance for years or are a first-time app user, State Farm’s platform will be intuitive and seamless for anyone.

RV Coverage

For many seniors, retirement brings extra time to pursue travel and leisure. RVs and motor homes are great ways to travel around the country, and you can insure them with State Farm. The company offers the following coverages for RVs and motor homes:

  • Bodily injury and property damage liability
  • Bodily injury due to an accident with an uninsured motorist
  • Damage to your RV or motor home sustained in an accident
  • Theft, fire, vandalism, and other losses, even if your vehicle is in storage
  • Emergency roadside service if your vehicle breaks down during travel

You can also purchase a personal articles policy, which provides extra protection for items in your RV like jewelry, cameras, bicycles, fishing equipment, and golf clubs.

5. Best Cheap Auto Insurance for Seniors - GEICO

What We Like Most:

  • Save money with defensive driving courses
  • Cheapest rates after a speeding ticket
  • Save by installing safety equipment

GEICO is the most widely available company on our list. It’s also consistently one of the most affordable companies on the market, and its policies for seniors are no exception. Additionally, GEICO is unique in offering a special plan for drivers over age 50 that guarantees coverage.

ProsWho It's Best For
  • pro
    Seniors on a budget
  • pro
    Customers who want to remain with the same insurer over time
  • pro
    People seeking to purchase accident forgiveness
  • pro
    Seniors with a speeding ticket or bad credit
ConsWho It's Not Best For
  • con
    Customers planning to bundle home and auto insurance
  • con
    Seniors looking for additional financial planning and retirement services

Prime Time Contract

For customers who prefer to stick with the same insurance company over time rather than shopping around at every renewal, GEICO is a good option. The company offers a contract option, called Prime Time, that guarantees your policy won’t be canceled, even if you’re at fault for an accident or get multiple tickets. Note that while the contract guarantees coverage, your rates may still rise as a result of violations and accidents.

You can sign up for the Prime Time contract when you buy a policy with GEICO or at your next renewal. To qualify, you must meet the following requirements:

  • At least 50 years old
  • No one under the age of 25 on your policy
  • No violations or accidents in the past three years
  • No vehicle on the policy used for business purposes (e.g., rideshare)

GEICO offers the Prime Time contract in the following states: Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Minnesota, Mississippi, Missouri, Nebraska, New Mexico, North Dakota, Ohio, Oregon, South Carolina, Tennessee, Utah, Virginia, Washington, West Virginia, and Wisconsin.

Low Rates and Many Discounts

GEICO keeps premiums low by offering more discounts than many competitors, including several that seniors in particular may benefit from:

  • Defensive driving, for drivers over age 50 (or 55, depending on the state) who take an approved defensive driver course; in some states, you also need to be accident-free for three years to qualify
  • Accident-free, which can save you up to 22 percent if you’ve gone five years without an accident
  • Retired federal, which can save retired government employees GS-7 and above (or GS-11 equivalent if not on the GS pay system) up to 12 percent
  • Retired military, which can save retired U.S. military members up to 15 percent

Accident Forgiveness

With GEICO, you can either earn accident forgiveness or purchase it (many providers offer only one or the other). With accident forgiveness, your premium won’t go up even if you or someone on your policy causes a crash, and you’ll keep any good driver discounts.

If you remain accident-free for five years, you’ll earn the benefit for free. You can also purchase the benefit at the time you buy the policy or upon renewal.

Frequently Asked Questions

At what age do car insurance costs increase for seniors?

On average, insurance rates begin to increase for seniors at age 70. Seniors over the age of 85 pay the highest rates, at $2,416 annually on average.

Which company offers the best rates for seniors with a poor credit score?

Both GEICO and USAA offer some of the cheapest rates for seniors with poor credit. Prices at both GEICO and USAA come in at just under $2,000 per year for drivers with a poor credit score, which is cheaper than the national average of $2,300.

Which company offers the best rates for seniors who have been in an accident?

After one at-fault accident, both USAA and State Farm have the lowest insurance rate increases, with an annual premium increase of about $300. You can expect a 50 percent average increase if you’re at fault and a 10 percent increase if you’re not at fault in an accident, but the exact amount will depend on your state and local laws.

Which company offers the best rates for seniors who have been in an accident?

After one at-fault accident, both USAA and State Farm have the lowest insurance rate increases, at around $300 annually. You can expect a 10 percent increase on average if you’re not at fault in an accident, but this increase will depend on your state and local laws.


We used the following approach to find the best auto insurance companies for seniors:

  • Information from providers and independent sources: We look directly at insurance providers to compare prices, evaluate benefits and discounts, and assess their insurance processes. We prioritized companies that offer low rates and good discounts for seniors and hold strong ratings in customer service from accredited institutions like J.D. Power.
  • Proprietary data: has recorded and collected data from millions of car insurance transactions. That information and data help us understand which kinds of plans customers have the most success with and which insurance providers offer the best policies. Our data-driven approach allows us to make informed comparisons of the country’s major insurance companies so you don’t have to.
  • Expert institutional guidance: We consult directly with Paul Ford, the president of insurance services at Centerfield,’s parent company. Paul has spent three decades in the insurance industry, with tenures at Capital One Insurance Services, NetQuote, Bankrate, Datalot, and Canadian Access, among others. Paul’s extensive institutional knowledge and expert guidance help us provide customers with everything they need to find the perfect policy.


  1. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  2. Facts + Statistics: Insurance company rankings. Insurance Information Institute. (2023).

  3. Who are rideshare drivers: A demographic breakdown of rideshare drivers in the U.S. Gridwise. (2023).

  4. Average Annual Miles per Driver by Age Group. U.S. Department of Transportation Federal Highway Administration. (2022, May 31).

  5. DEMOGRAPHICS OF CAR BUYERS. Hedges & Company. (2023).

  6. State Farm Mobile App – 2021. The Weeby Awards. (2021).–2021