Cheap Auto Insurance for Drivers Over 70 in 2025 (Top 8 Low-Cost Companies)
Auto-Owners, Geico, and State Farm are our winners for cheap auto insurance for drivers over 70. Auto-Owners offers cheap car insurance for over 70 at $38/mo, and seniors with bad credit find rates as low as $46/mo with USAA. State Farm has the most car insurance discounts for seniors.
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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.
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0 reviewsCompany Facts
Min. Coverage Rate for Driver Over 70
A.M. Best Rating
Complaint Level
Pros & Cons
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19,116 reviewsCompany Facts
Min. Coverage for Driver Over 70
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,760 reviewsCompany Facts
Min. Coverage for Driver Over 70
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviewsCheap auto insurance for drivers over 70 can be found at Auto-Owners, Geico, and State Farm with rates starting as low as $38 per month.
For drivers seeking cheap auto insurance for seniors, each company provides competitive rates and valuable discounts.
Some of the other companies with the best auto insurance for seniors are listed below with each of its strengths and ratings.
Our Top 8 Company Picks: Cheap Auto Insurance for Drivers Over 70
| Insurance Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $38 | A++ | Low Premiums | Geico |
 | #2 | $45 | B | Broad Discounts | State Farm |
 | #4 | $48 | A+ | Reliable Service | Nationwide |
 | #3 | $50 | A+ | Flexible Plans | Progressive |
 | #8 | $52 | A | Trusted Support | American Family |
 | #5 | $55 | A | Comprehensive Coverage | Farmers |
 | #6 | $58 | A+ | Custom Policies | Allstate |
 | #7 | $60 | A | Policy Options | Liberty Mutual |
Read on to learn more about car insurance for seniors over 70. You can also find the best senior auto insurance company in your area using our free quote tool.
- Auto-Owners offers cheap car insurance for seniors
- Geico and State Farm also offer the cheapest car insurance for seniors over 70
- Seniors should shop for quotes to get the cheapest car insurance for seniors
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#1 – Auto-Owners: Top Pick Overall
Pros
- New Cars: If you have a new car, Auto-Owners offers gap insurance to help protect your investment. Learn about Auto-Owners’ other coverage options in our Auto-Owners auto insurance review.
- Agents Are Local: Auto-Owners has local agents that provide personalized assistance for seniors over 70s who needs car insurance.
- Accident Forgiveness: Qualifying drivers, including those over 70 with car insurance, won’t see rate increases after their first at-fault accident.
Cons
- Availability: Auto-Owners policies are not sold in every state.
- Agent Quotes: You can’t get a quote online. Instead, you’ll need to contact an agent through Auto-Owners insurance phone number for pricing.
#2 – Geico: Best for Competitive Rates
Pros
- Competitive Rates: Geico’s car insurance quotes for over 70 are among the most competitive on the market. You can read more about Geico’s rates in our review of Geico auto insurance.
- UBI Discount: Geico’s DriveEasy program offers valuable senior car insurance discounts to those who drive safely (learn more in our Geico DriveEasy review).
- Easy Policy Management: Geico’s website and app have high ratings, making it simple for seniors with car insurance over 70 to manage their policies.
Cons
- Claims Rating: J.D. Power gave Geico an average rating for customer satisfaction with the claims handling process.
- Virtual Communication: Geico has few local agents.
#3 – State Farm: Best for Wide Coverage
Pros
- Wide Coverage: State Farm provides car insurance for over 70s in every U.S. state, so seniors can keep their coverage if they move.
- Discounts: As a leading provider of affordable auto insurance for seniors, State Farm offers various discounts to help lower rates.
- Financially Strong: State Farm has high ratings for financial management, which you can learn more about in our State Farm auto insurance review.
Cons
- Can’t Purchase Online: State Farm completes all purchases through a State Farm agent.
- DUI Rates: State Farm’s DUI rates are above the average, so drivers with a DUI on their record may wish to get quotes from other companies.
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#4 – Erie: Best for Collision Repair
Pros
- Collision Repair: Erie’s Direct Repair Program helps customers find a reputable repair shop in Erie’s system to make the process as simple as possible.
- Add-On Coverages: As a provider of auto insurance for seniors over 70, Erie has gap coverage, rideshare coverage, and more. Learn about Erie’s coverages in our review of Erie auto insurance.
- Rate Lock: Erie’s rate lock is especially valuable for seniors car insurance holders, ensuring rates don’t change unless you add vehicles or drivers or have an address change.
Cons
- Availability: Unlike other car insurance companies for over 70s, Erie auto insurance is only available in a few states.
- No UBI Discount: Erie doesn’t have a UBI program to help seniors get the best value car insurance for over 70s through safe driving discounts.
#5 – USAA: Best for Military Savings
Pros
- Military Savings: Veterans and military members looking for low cost auto insurance for seniors will find some of the cheapest rates at USAA. Learn about USAA’s rates in our USAA auto insurance review.
- Customer Satisfaction: USAA consistently earns high ratings from those seeking cheap car insurance for elderly drivers.
- Bundling Options: USAA members with car insurance for over 75 can save more by bundling with home or renters insurance.
Cons
- Eligibility Is Limited: Seniors who are not veterans or military personnel cannot purchase USAA auto insurance.
- UBI in 47 States: Three states don’t have USAA’s UBI program for safe driver savings.
#6 – Nationwide: Best for Safe Driving
Pros
- Safe Driving: Nationwide’s SmartRide program is great for safe drivers. Read more in our Nationwide SmartRide review.
- Extra Perks With Coverage: Nationwide offers valuable extras for 70 year old car insurance holders, including pet injury coverage and key replacement.
- Bundling Options: Nationwide offers a bundling discount for customers who purchase more than one type of coverage.
Cons
- Availability: Nationwide’s car insurance for over 75 years old isn’t available in all states.
- Customer Satisfaction: Customers have given Nationwide’s claim handling some negative ratings. Learn more in our Nationwide auto insurance review.
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#7 – Travelers: Best for Low-Mileage
Pros
- Low Mileage: If their mileage is below average, retired drivers will see lower rates at Travelers. Our review of Travelers auto insurance explains more about Travelers’ rates.
- Accident Forgiveness: Good drivers won’t see increased rates after a first accident at Travelers.
- Coverage Options: Travelers has plenty of add-on coverages and bundling options.
Cons
- Rideshare Insurance Limited: Travelers’ rideshare insurance isn’t sold in most states.
- Customer Satisfaction: Some customers had negative ratings for Travelers’ customer service.
#8 – Progressive: Best for Discount Options
Pros
- Discount Options: Progressive has plenty of discounts offered, which you can learn more about in our Progressive auto insurance review.
- Accident Forgiveness: Progressive’s accident forgiveness helps safe drivers avoid rate increases after an accident.
- Widely Available: Progressive insurance for drivers over 70 is available in all 50 states.
Cons
- Customer Reviews: Some customers gave Progressive’s claims handling negative ratings.
- Few Local Agents: Drivers must communicate with Progressive primarily online or over the phone.
Costs of Auto Insurance for Drivers Over 70
Now that we’ve covered the companies with the best auto insurance for seniors, we want to examine rates for drivers in their 70s.
Full coverage is more expensive, but senior drivers will be covered in accidents ranging from collisions with other cars to collisions with animals.Brandon Frady Licensed Insurance Producer
Below, you can see how average auto insurance rates by age change between 70-year-old drivers and 75-year-old drivers.
Drivers Over 70 Auto Insurance Monthly Rates by Gender & Credit Score
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 70-Year-Old Female | $32 | $90 |
| 70-Year-Old Male | $31 | $90 |
| 75-Year-Old Female | $30 | $85 |
| 75-Year-Old Male | $29 | $85 |
Senior car insurance for 75-year-olds is actually slightly cheaper on average than for 70-year-olds, making it easier to find the cheapest car insurance for 75-year-olds from companies.
Of course, getting the lowest car insurance rates for seniors is still possible by getting quotes from companies specializing in auto insurance for elderly drivers, such as Geico.
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What Impacts Auto Insurance Rates for Seniors
In addition to age, there are also other factors that affect car insurance rates for seniors. Car insurance for senior drivers with clean driving records will consistently have more affordable rates than those with tickets, accidents, or DUIs.
Auto Insurance Monthly Rates by Gender, Age, & Driving Record
| Age & Gender | Clean Record | Speeding Ticket | At-Fault Accident | DUI/DWI |
|---|---|---|---|---|
| 70-Year-Old Female | $75 | $95 | $115 | $135 |
| 70-Year-Old Male | $80 | $100 | $120 | $140 |
| 75-Year-Old Female | $70 | $90 | $110 | $130 |
| 75-Year-Old Male | $75 | $95 | $115 | $135 |
Your credit score also has a bearing on what you will pay for auto insurance, as you can see from the data below.
Drivers Over 70 Auto Insurance Monthly Rates by Gender & Credit Score
| Age & Gender | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| 70-Year-Old Female | $95 | $115 | $135 |
| 70-Year-Old Male | $100 | $120 | $140 |
| 75-Year-Old Female | $85 | $105 | $125 |
| 75-Year-Old Male | $90 | $110 | $130 |
If you have a poor credit score, make sure you shop at the best auto insurance companies for drivers with bad credit.
How to Get Cheap Auto Insurance for Drivers Over 70
Part of what determines car insurance for 70-year-olds rates is the state you live in. Some states will have cheaper rates due to location factors, such as fewer accidents and natural disasters. Below, you can see the average car insurance over 70-year-olds by state.
Drivers Over 70 Auto Insurance Monthly Rates by Gender & State
| State | Age: 70 Female | Age: 70 Male | Age: 75 Female | Age: 75 Male |
|---|---|---|---|---|
| Alabama | $105 | $110 | $95 | $100 |
| Alaska | $115 | $120 | $105 | $110 |
| Arizona | $110 | $115 | $100 | $105 |
| Arkansas | $95 | $100 | $85 | $90 |
| California | $125 | $130 | $115 | $120 |
| Colorado | $115 | $120 | $105 | $110 |
| Connecticut | $135 | $140 | $125 | $130 |
| Delaware | $120 | $125 | $110 | $115 |
| Florida | $145 | $150 | $135 | $140 |
| Georgia | $125 | $130 | $115 | $120 |
| Hawaii | $100 | $105 | $90 | $95 |
| Idaho | $105 | $110 | $95 | $100 |
| Illinois | $110 | $115 | $100 | $105 |
| Indiana | $95 | $100 | $85 | $90 |
| Iowa | $90 | $95 | $80 | $85 |
| Kansas | $100 | $105 | $90 | $95 |
| Kentucky | $115 | $120 | $105 | $110 |
| Louisiana | $135 | $140 | $125 | $130 |
| Maine | $95 | $100 | $85 | $90 |
| Maryland | $120 | $125 | $110 | $115 |
| Massachusetts | $125 | $130 | $115 | $120 |
| Michigan | $145 | $150 | $135 | $140 |
| Minnesota | $110 | $115 | $100 | $105 |
| Mississippi | $95 | $100 | $85 | $90 |
| Missouri | $105 | $110 | $95 | $100 |
| Montana | $100 | $105 | $90 | $95 |
| Nebraska | $90 | $95 | $80 | $85 |
| Nevada | $125 | $130 | $115 | $120 |
| New Hampshire | $95 | $100 | $85 | $90 |
| New Jersey | $130 | $135 | $120 | $125 |
| New Mexico | $100 | $105 | $90 | $95 |
| New York | $135 | $140 | $125 | $130 |
| North Carolina | $100 | $105 | $90 | $95 |
| North Dakota | $90 | $95 | $80 | $85 |
| Ohio | $100 | $105 | $90 | $95 |
| Oklahoma | $105 | $110 | $95 | $100 |
| Oregon | $115 | $120 | $105 | $110 |
| Pennsylvania | $110 | $115 | $100 | $105 |
| Rhode Island | $125 | $130 | $115 | $120 |
| South Carolina | $105 | $110 | $95 | $100 |
| South Dakota | $90 | $95 | $80 | $85 |
| Tennessee | $95 | $100 | $85 | $90 |
| Texas | $115 | $120 | $105 | $110 |
| Utah | $110 | $115 | $100 | $105 |
| Vermont | $95 | $100 | $85 | $90 |
| Virginia | $105 | $110 | $95 | $100 |
| Washington D.C. | $115 | $120 | $105 | $110 |
| West Virginia | $100 | $105 | $90 | $95 |
| Wisconsin | $95 | $100 | $85 | $90 |
| Wyoming | $80 | $85 | $70 | $75 |
| U.S. Average | $100 | $105 | $110 | $110 |
If your state has higher-than-average rates, discounts are one way to get cheaper rates on auto insurance for different types of drivers.
Most companies offer lower rates for low-mileage drivers, making it easier to find cheap auto insurance for infrequent drivers.
Best Coverage Types for Senior Drivers
Not sure what types of auto insurance for elderly drivers you should carry? Let’s explore the best options to ensure you have adequate protection as car insurance go up after 70.
Drivers Over 70 Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $58 | $172 |
| $52 | $160 |
| $55 | $165 |
| $38 | $132 |
| $60 | $175 |
| $48 | $140 |
| $50 | $150 |
| $45 | $145 |
While rates for basic coverage tend to be lower, this protection may not be sufficient for your needs. Many seniors find that cheap car insurance for drivers over 50 offers only minimal protection.
Seniors asking “What is the cheapest car insurance for seniors” should carefully consider their coverage needs beyond just price. The best protection typically includes comprehensive auto insurance coverage.
While full coverage costs more, it’s recommended for most drivers seeking over 75 car insurance. This makes it a worthwhile investment for seniors who want complete protection, even though basic policies from providers like Auto Owners insurance might cost less.
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Bottom Line: Cheapest Auto Insurance for Drivers Over 70
Retired drivers often have more affordable rates on average due to reduced time on the road. However, if you find that your rates are creeping up, make sure you are shopping for quotes at the cheapest companies for drivers over 70 (Learn more: Top Seven Factors that Affect Auto Insurance Rates).
Don’t believe this myth! ⚠️ Talk to your independent agent about your home improvement projects today. 🔨 https://t.co/3CJhV5nXtC pic.twitter.com/RJ6PyD2LIe
— Auto-Owners (@AutoOwnersIns) December 2, 2022
You can also enter your ZIP into our free quote tool to quickly find the best car insurance rates for seniors near you.
Frequently Asked Questions
Does the age of a driver affect auto insurance rates?
Yes, a driver’s age is one factor that insurance companies look at when determining a driver’s risk. For example, a teenage driver lacks driving experience and will, therefore, have higher rates than an experienced senior driver.
How much is auto insurance for seniors?
It depends on the company, driving record, and more, but most drivers will be able to get the cheapest car insurance for over 70s by shopping around. Enter your ZIP code below to find cheap auto insurance for drivers over 70 near you.
At what age is car insurance most expensive?
Auto insurance rates are usually the most expensive when drivers are teenagers. Read more in our article: 10 Companies With the Cheapest Teen Auto Insurance.
Does car insurance cost more when you turn 70?
It depends on the company, but auto insurance costs for seniors don’t usually rise unless the driver’s driving record changes.
Why do auto insurance rates for drivers over 70 go up?
Some insurance companies may raise rates due to age-related driving problems like vision loss. If your rates increase, ensure you are comparing company rates to find the cheapest senior car insurance.
Is auto insurance for drivers over 70 cheaper with AARP?
Yes, some companies offer a senior discount for drivers over 70 if they are a member of AARP (learn more: AARP Auto Insurance Program from The Hartford Review).
Which is the best auto insurance company for drivers over 70?
The best car insurance company for seniors is Auto-Owners, as they offer the best deal on car insurance costs for seniors.
Who normally has the cheapest auto insurance for drivers over 70?
Auto-Owners usually has the cheapest senior car insurance for 70-year-olds.
Is Allstate or Geico more expensive for senior drivers over 70?
Allstate usually has more expensive rates for senior auto insurance. For more information about the two companies, read our article on Allstate vs. Geico auto insurance.
Does credit score affect car insurance for drivers over 70?
Yes, credit score can affect rates for drivers over 70. Enter your ZIP code into our free quote tool to find the best car insurance quotes for seniors.
How can seniors save money on car insurance?
The best ways seniors can save on auto insurance are by shopping for quotes, getting discounts, and keeping a clean driving record.
Do retirees pay less for car insurance?
Yes, retirees often have reduced rates if they drive less in their retirement (read more: How to Lower Your Auto Insurance Rates).
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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.
