Best Auto Insurance for Seniors in Florida (Top 10 Companies Ranked for 2025)
The Hartford, Geico, and State Farm have the best auto insurance for seniors in Florida, with full policy rates starting at $87 per month. The Hartford sells AARP car insurance for seniors, but you have to be a member to purchase it. Seniors not affiliated with AARP will find low rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Feb 18, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 18, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
765 reviewsCompany Facts
Full Coverage for Seniors in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
765 reviews
19,116 reviewsCompany Facts
Full Coverage for Seniors in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,760 reviewsCompany Facts
Full Coverage for Seniors in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviewsThe best auto insurance for seniors in Florida comes from The Hartford, Geico, and State Farm. The Hartford is our top choice for senior auto insurance because it offers coverage specifically crafted for older drivers.
However, The Hartford only sells the best Florida auto insurance to AARP members. If that doesn’t apply to you, Geico is your best option. Compare more senior auto insurance companies below:
Our Top 10 Company Picks: Best Auto Insurance for Seniors in Florida
| Company | Rank | UBI Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A+ | Exclusive Benefits | The Hartford |
 | #2 | 25% | A++ | Cheap Rates | Geico |
 | #3 | 30% | B | Local Agents | State Farm |
 | #4 | 40% | A+ | Infrequent Drivers | Allstate |
 | #5 | 30% | A+ | Online Tools | Progressive |
 | #6 | 30% | A | Add-on Coverages | Liberty Mutual |
 | #7 | 30% | A++ | Customer Service | Travelers |
 | #8 | 30% | A | Group Discounts | Farmers |
 | #9 | 40% | A+ | Vanishing Deductible | Nationwide |
 | #10 | 30% | A+ | Dividend Payments | Amica |
Read on to learn about Florida car insurance rates for seniors, including where to find the best coverage.
Then, enter your ZIP code into our free comparison tool to find cheap car insurance for seniors in Florida.
- Florida auto insurance rates for seniors are higher than the national average
- Seniors in FL can save by finding discounts and comparing quotes
- The Hartford and Geico have the best senior auto insurance in Florida
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#1 – The Hartford: Top Pick Overall
Pros
- AARP Partnership: The Hartford offers exclusive benefits and senior auto insurance discounts in Florida who are AARP members.
- Lifetime Renewability: When you buy AARP car insurance in Florida for seniors through The Hartford, you don’t have to worry about your coverage being dropped as you get older.
- RecoverCare: As part of its commitment to serving seniors, you can get help with home services in Florida with RecoverCare. Learn more in our auto insurance review of The Hartford.
Cons
- Higher Premiums: The Hartford may offer the best car insurance for seniors over 65 in Florida, but it comes at a price. This provider typically costs more than others, especially for full coverage.
- AARP Exclusive: As the exclusive auto insurance provider for AARP in Florida, The Hartford only sells senior coverage to AARP members.
#2 – Geico: Best for Affordable Florida Rates
Pros
- Affordable Rates: Geico is known for offering some of the cheapest car insurance for seniors in Florida. See how much you might pay in our Geico auto insurance review.
- Strong Digital Presence: With its user-friendly website and mobile app, Geico offers the most convenient car insurance in Florida for seniors.
- Discounts for Seniors: Geico offers 16 auto insurance discounts to help drivers save, many of which Florida seniors may qualify for.
Cons
- Average Claims Service: Geico may offer the cheapest car insurance for seniors over 60 in Florida, but many customers report problems with the claims handling process.
- Limited Customization: Despite being one of the largest senior insurance companies in Florida, Geico offers fewer options for tailoring car insurance coverage.
#3 – State Farm: Best for Personalized Service
Pros
- Extensive Agent Network: With a strong local presence in Florida, State Farm makes it easy to find personalized auto insurance services and support for seniors.
- Drive Safe & Save: State Farm offers a usage-based insurance (UBI) program in Florida called Drive Safe & Save. Enrolling in this program and consistently practicing safe habits can save senior drivers.
- Good Driver Discounts: If you’re not interested in enrolling in a UBI program, you can still save on senior car insurance in Florida with multiple discounts for safe driving and vehicle safety features.
Cons
- Average Digital Experience: State Farm doesn’t impress many seniors in Florida with its digital auto insurance policy management tools.
- Slower Claims Process: With a slow claims handling process, many Florida senior drivers report being unsatisfied. See what customers have to say in our State Farm auto insurance review.
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#4 – Allstate: Best for Infrequent Drivers
Pros
- Low-Mileage Savings: Tech-savvy drivers who don’t drive often qualify for pay-per-mile insurance. Learn how to get low Florida auto insurance rates for seniors in our Allstate Milewise review.
- Retirement Discounts: Allstate is one of the few companies that offer senior citizen car insurance discounts for retired drivers in Florida.
- Full Coverage Policies: Allstate offers a lot more than basic senior car insurance choices in Florida. Create a policy perfect for your needs with Allstate’s ample add-on choices.
Cons
- Higher Rates: If you want the lowest senior auto insurance quotes possible in Florida, Allstate is probably not the best choice.
- Inconsistent Customer Service: Senior Florida drivers are undecided about this company’s customer service. While some love it, others hate the Allstate customer service car insurance experience.
#5 – Progressive: Best for a Digital Insurance Experience
Pros
- Snapshot Program: Get the best senior auto insurance rates in Florida by enrolling in Progressive’s Snapshot, which offers a maximum discount of 30%. Learn more in our Progressive auto insurance review.
- Advanced Digital Tools: Florida senior car insurance from Progressive comes with some of the best digital tools in the business, like the Name Your Price tool.
- Loyalty Discounts: Get an automatic senior discount on your Progressive policy by being a customer for at least a year. Your loyalty discount increases the longer you’re a Florida customer.
Cons
- Higher Rates for Non-Participants: You can get cheap Florida car insurance rates for seniors if you enroll in Snapshot. However, Progressive may not be the cheapest if you don’t sign up.
- Complex Pricing Structure: Progressive’s senior car insurance pricing in Florida can be complicated to understand.
#6 – Liberty Mutual: Best for Diverse Coverage Options
Pros
- Customizable Coverage Options: Liberty Mutual offers a wide range of add-ons. See how to get the best senior car insurance in Florida in our Liberty Mutual auto insurance review.
- RightTrack: Liberty Mutual offers an auto insurance discount of up to 30% to senior drivers in Florida who sign up for RightTrack.
- Defensive Driver Discount for Seniors: Get cheap Florida auto insurance for seniors by completing a defensive driver course approved by Liberty Mutual.
Cons
- Higher Average Rates: Liberty Mutual isn’t always the cheapest option for Florida coverage, especially if you need auto insurance for seniors over 80.
- Limited Digital Tools: Seniors looking for robust digital tools will likely find Liberty Mutual’s auto insurance offerings in Florida lacking.
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#7 – Travelers: Best Support for Senior Drivers
Pros
- Superb Customer Service: Get the best car insurance for seniors over 70 in Florida from Travelers friendly and helpful customer service representatives.
- Customizable Policies: Travelers gives seniors a variety of flexible car insurance options in Florida to suit just about any need.
- Financial Stability: A.M. Best gives Travelers an A++ for its financial stability. See more of how Florida seniors rate this company in our Travelers auto insurance review.
Cons
- Expensive Coverage: Travelers is often more expensive than most senior auto insurance companies in Florida.
- Mixed Customer Service Reviews: Many senior drivers in Florida report inconsistent experiences with Travelers customer service representatives regarding auto insurance issues.
#8 – Farmers: Best Senior Auto Insurance Discounts
Pros
- Strong Local Presence: Seniors can get help with auto insurance problems by contacting any of Farmers’ local agents located throughout Florida.
- Ample Selection of Discounts: Seniors looking for the best cheap car insurance in Florida should consider Farmers for its 23 discount opportunities.
- Good Customer Support: Farmers has high ratings for customer service and claims handling, and it ensures that all of its senior drivers in Florida get the car insurance support they need.
Cons
- Higher Prices: Farmers isn’t the best choice for cheap senior auto insurance quotes — many Florida insurance providers offer more affordable rates.
- Slower Claims: Many Florida seniors report that Farmers took much longer than expected to resolve claims. Explore the claims process in our Farmers auto insurance review.
#9 – Nationwide: Best for Safe Driver Savings
Pros
- Vanishing Deductible Program: Nationwide rewards safe driving with deductible savings, which is ideal for Florida seniors who prioritize safety. See how it works in our Nationwide auto insurance review.
- UBI Programs: Nationwide has two different UBI programs: SmartRide and SmartMiles. SmartRide offers an impressive 40% car insurance discount for Florida seniors.
- Strong Customer Service Ratings: Most Nationwide senior drivers over 60 who live in Florida report feeling satisfied with their auto insurance policies and the company’s service.
Cons
- Higher Rates for High-Risk Drivers: High-risk car insurance for seniors in Florida is always more expensive, but drivers at Nationwide will pay much higher rates.
- Limited Local Offices: Nationwide has fewer physical locations in Florida, making it more difficult for seniors to get personalized help with their auto insurance.
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#10 – Amica Mutual: Best for Dividend Payouts
Pros
- High Customer Satisfaction: Amica Mutual is known for exceptional customer service, which benefits Florida seniors who value personalized attention on their auto insurance policies.
- Dividend Policies: As a mutual company in Florida, senior drivers have the potential to receive a portion of their premiums back every year. See how it works in our Amica auto insurance review.
- Excellent Coverage Options: Amica offers a broad range of coverage options with flexible add-ons so you can get cheap Florida car insurance for seniors that meets all your needs.
Cons
- Higher Premiums: Since it specializes in full coverage policies for expensive vehicles, Amica Mutual isn’t usually the most affordable Florida senior auto insurance choice.
- Lacking Coverage Options: Amica Mutual doesn’t have as many add-on options as some of the larger Florida senior car insurance companies.
Florida Auto Insurance Rates for Seniors
Florida car insurance rates are some of the highest in the nation. Take a look below to see how much you might pay for auto insurance at our top Florida companies for seniors.
Florida Senior Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $60 | $179 |
| $100 | $220 |
| $75 | $222 |
| $29 | $87 |
| $53 | $158 |
| $34 | $100 |
| $50 | $149 |
 | $33 | $97 |
| $95 | $210 |
| $55 | $163 |
While there are many factors that affect car insurance rates, Florida prices are high primarily due to weather risks, vehicle crime rates, and a higher number of car accidents.
When you’re shopping for coverage, you should keep in mind that some auto insurance companies are pulling out of Florida. It’s especially important in the Sunshine State to research your options to ensure you get a reliable policy.
How to Save on Florida Auto Insurance for Seniors
Although Florida car insurance rates are expensive, there are plenty of ways to save without skimping on your coverage. For example, the best personal injury protection insurance companies can help you find the perfect Florida policy at the right price.
There are plenty of alternative methods to finding affordable coverage in Florida. To get cheap senior auto insurance rates, try the following tips:
- Lower your coverage limits.
- Increase your deductible.
- Improve your credit score.
- Keep your driving record clean.
Another easy way to find low Florida rates is to look for discounts. Most companies offer a variety of auto insurance discounts to help you save.
Florida car insurance rates are high for many reasons, and the prices are still increasing. That applies to other types of insurance in Florida as well, especially for home, renters, and other types of property coverage.Jimmy McMillan Licensed Insurance Agent
Choosing the company with the most discounts you might qualify for will help you save. Explore your discount options from our top Florida car insurance companies below.
Auto Insurance Discounts From the Top Providers for Seniors in Florida
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving, Deductible Rewards, Defensive Driving Course, Bundling, Early Signing, Pay-Per-Mile, Anti-Theft, New Car, Good Payer |
| Bundling, Loyalty, Claim-Free, Defensive Driving Course, Anti-Theft, Electronic Billing, Autopay, Good Student |
| Bundling, Good Driver, Accident Forgiveness, Senior Driver, Defensive Driving, Alternative Fuel |
| Bundling, Good Driver, Defensive Driving, Military, Federal Employee, Emergency Deployment, Good Student, Anti-Theft, New Vehicle, Seat Belt Use |
| Bundling, Safe Driver, Homeowner, Early Shopper, Military, Good Student, Hybrid Vehicle, Anti-Theft, Online Purchase |
| Bundling, Accident-Free, Paperless Documents, Defensive Driving, Anti-Theft, Affinity Member |
| Bundling, Safe Driver, Multi-Car, Homeowner, Online Quote, Paperless Billing, Pay-In-Full, Automatic Payment |
| Drive Safe & Save, Steer Clear, Defensive Driving, Accident-Free, Good Driver, Bundling, Good Student, Safe Vehicle, Anti-Theft, Passive Restraint |
| AARP Membership, Defensive Driving Course, Multi-Vehicle, Bundling, Vehicle Safety Features, Anti-Theft, Homeownership, Paid-in-Full |
| Bundling, Safe Driver, Continuous Insurance, Hybrid/Electric Vehicle, Good Payer, Home Ownership, New Car, Early Quote, Paid-in-Full, Driver Training |
While saving money on your insurance is important, it’s not the only thing to consider. For example, many companies have programs in place to help seniors get the most out of their coverage. They may not be the cheapest companies, but their insurance options can be invaluable.
We’re developing a digital solution that may help seniors live more independently at home for as long as possible, all while staying connected to their care circles. #HereToHelp https://t.co/1eBaLL7GgL pic.twitter.com/KVe5TOB4TQ
— State Farm (@StateFarm) August 27, 2019
However, if you need to keep your monthly premium as low as possible, a final step to take is to compare quotes. If you don’t look at multiple quotes, you’ll likely overpay for senior car insurance in Florida.
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Auto Insurance Requirements in Florida for Seniors
Before you can drive on a public street in Florida, you need to meet the minimum car insurance requirements by state law. Florida minimum auto insurance requirements include the following:
- $10,000 of personal injury protection coverage
- $10,000 of property damage liability insurance
Understanding car insurance laws and your own needs can be confusing. However, there’s no reason to figure it out alone — check out our guide to auto insurance laws. In fact, when you get an insurance quote, most companies will offer an insurance policy that meets the minimum Florida requirements.
If you’d like to save time by getting multiple quotes at once, a quote-generating tool will also offer rates for minimum insurance requirements.
Find the Best Auto Insurance for Seniors in Florida Today
Learning how to get multiple auto insurance quotes is an important part of finding affordable coverage for seniors. Once you know how the next step is to get personalized quotes from as many companies as possible.
The Hartford, Geico, and State Farm have the best auto insurance for seniors in Florida with exclusive policy benefits and low rates for drivers over the age of 65.Laura D. Adams Insurance & Finance Analyst
Once you’re ready, you can enter your ZIP code into our free comparison tool to see insurance quotes for seniors from companies in your area.
Frequently Asked Questions
What are the best auto insurance companies in Florida for seniors?
What are the best auto insurance companies for senior citizens in Florida? Our research shows that the best car insurance for seniors in Florida is offered by The Harford, Geico, and State Farm. Discover the best auto insurance for seniors and find the lowest rates today.
Why do insurance rates increase after you turn 75?
Drivers over 75 pay higher rates for several reasons, including slower reaction times, a higher chance of being physically injured in an accident, and worsening eyesight.
Which company does AARP recommend for car insurance for seniors?
The Hartford has partnered with AARP to offer seniors superb coverage and affordable rates. To find the best car insurance rates for seniors, enter your ZIP code into our free quote comparison tool.
What are the best ways for seniors to save on their car insurance?
To save on insurance, older drivers should lower the level of coverage in their policies, pick a higher deductible, look for discounts, and compare as many quotes as possible.
How much does Florida auto insurance cost for seniors?
While many driving and non-driving factors impact auto insurance, the average senior driver in Florida pays $65 per month for minimum policies and $158 for full coverage.
What happens if you drive without car insurance in Florida?
Driving without car insurance in Florida has serious consequences, including fines and suspending your license and registration. If you’re a repeat offender, you may face jail time.
Who has the best auto insurance rates in Florida for seniors?
The Hartford, Geico, and State Farm offer the best auto insurance rates for seniors in Florida, with full coverage starting at $87 per month.
Who is the best auto insurer in Florida?
The best auto insurer in Florida depends on individual needs, but The Hartford, Geico, and State Farm rank highest for affordability and senior-focused benefits.
Is auto insurance more expensive for seniors?
Generally speaking, older drivers pay affordable rates. Average car insurance rates by age can vary significantly, but older adults won’t see their rates increase until about 75 unless they have a bad driving record.
Where does Florida rank in car insurance rates?
Florida has some of the highest car insurance rates in the U.S., mainly due to frequent accidents, weather risks, and high vehicle crime rates.
Which insurance plan is best for senior citizens?
The best insurance plan for seniors depends on coverage needs, but The Hartford offers AARP-backed policies, while Geico and State Farm provide low rates and senior discounts.
At what age does car insurance go up for seniors?
Car insurance rates for seniors typically increase after age 75 due to higher accident risk, slower reaction times, and increased injury susceptibility.
Are there auto insurance discounts for seniors in Florida?
While few companies offer discounts for seniors, most providers offer ways to save, including safe driving, having safety features in their cars, and buying multiple policies from the same company. Seniors who regularly practice safe driving should also consider getting cheap usage-based auto insurance to help them save.
Who has the most affordable auto insurance in Florida?
Geico car insurance for seniors in Florida offers some of the most affordable auto insurance rates. It offers low-cost options for senior drivers and multi-policy discounts.
Is Geico good car insurance in Florida?
Yes, Geico is a good option for Florida drivers. It offers competitive rates, strong financial stability, and discounts, including safe driver savings.
What is the government-mandated auto insurance discount for seniors?
There is no specific government-mandated discount for seniors, but many states require insurance companies to offer savings for safe driving, defensive driving courses, or multi-policy bundling.
What are the minimum insurance requirements in Florida?
What is the recommended auto insurance coverage in Florida? Florida car insurance requirements include $10,000 worth of personal injury protection and property damage liability insurance.
What is the cheapest car insurance for seniors over 70?
Geico and State Farm often offer the cheapest car insurance for seniors over 70, with monthly rates starting around $65 for minimum coverage, depending on the location and driving record.
What is the best full-coverage car insurance for seniors?
The Hartford, through its AARP partnership, offers the best full-coverage car insurance for seniors, but Geico and State Farm are excellent options for those seeking competitive rates and comprehensive protection.
Which insurance company has the highest customer satisfaction in Florida?
State Farm often ranks highest in customer satisfaction in Florida, thanks to its competitive rates, reliable service, and comprehensive coverage options.
What is the best auto insurance for seniors over 80?
For seniors over 80, Geico and The Hartford provide affordable and tailored insurance policies, with options for defensive driving discounts and safe driver programs to help reduce monthly premiums. Explore options for cheap auto insurance for drivers over 80 and compare rates to save more.
Why is Geico so expensive in Florida?
Geico’s rates in Florida may be higher due to the state’s high accident frequency, weather-related risks, and increasing insurance fraud cases.
Is Allstate a good insurance company?
Yes, Allstate is a good insurance company. It is known for its robust coverage options, driver discounts, and tools like Drivewise that help lower monthly premiums.
Which life insurance is best for seniors, whole or term?
Whole life insurance is best for seniors seeking lifetime coverage, while term life insurance is ideal for seniors who need temporary coverage at lower monthly rates.
Is Nationwide insurance good for seniors?
Yes, Nationwide offers seniors benefits like accident forgiveness, vanishing deductibles, and multi-policy discounts, making it a reliable choice.
What is the best health insurance for seniors in Florida?
Medicare Advantage plans are the best health insurance options for seniors in Florida. They offer comprehensive coverage, including prescription drugs and vision care.
Which auto insurance company is best at paying claims in the USA?
State Farm and USAA are known for being the best at paying claims. They offer prompt, hassle-free claim processing and high customer satisfaction ratings.
Does Allstate give senior citizen discounts?
Yes, Allstate offers senior citizen discounts through safe driving programs, bundling options, and additional savings for completing defensive driving courses.
What type of insurance is for people over the age of 65?
Medicare is the primary insurance for people over 65, providing health coverage through various parts (A, B, C, and D) and optional supplemental policies. Discover the best ways to get cheap auto insurance for drivers over 60 and save money.
Why do seniors pay more for car insurance?
Seniors may pay more for car insurance due to slower reaction times, increased accident risks, and higher medical costs associated with injuries.
Is Progressive auto insurance good in Florida?
Yes, Progressive is a strong option in Florida. It offers competitive rates, extensive coverage options, and discounts for safe driving and bundling policies.
Why are insurance companies leaving Florida?
Insurance companies are leaving Florida due to high costs from frequent natural disasters, rising claims, and regulatory challenges impacting profitability.
What is the new car insurance law in Florida?
The new auto insurance law in Florida, effective 2025, eliminates the no-fault system and requires drivers to carry mandatory bodily injury liability coverage of $25,000 per person and $50,000 per accident.
What is the Allstate disappearing deductible?
The Allstate disappearing deductible reduces your collision deductible by $100 every year you drive without an accident, eventually reaching $0. This feature rewards safe driving and helps lower out-of-pocket costs after a claim.
Who is the largest auto insurer in Florida?
State Farm is the largest auto insurer in Florida based on market share, followed by Geico and Progressive. Add your ZIP code to our free quote tool to get the lowest auto insurance rates for seniors.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.