Cheap Auto Insurance for Drivers Over 70 in 2024 (Top 8 Low-Cost Companies)
Auto-Owners, Geico, and State Farm are our winners for cheap auto insurance for drivers over 70. Auto-Owners has the cheapest senior car insurance for 70-year-olds at $38/mo, and seniors with bad credit find rates as low as $46/mo with USAA. State Farm has the most auto 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: Oct 25, 2024
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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: Oct 25, 2024
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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17,759 reviewsCheap auto insurance for drivers over 70 can be found at Auto-Owners, Geico, and State Farm. Each offers affordable rates and great auto insurance discounts for seniors.
Some of the other companies with the best auto insurance for seniors are listed below.
Our Top 8 Company Picks: Cheap Auto Insurance for Drivers Over 70
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $38 | A++ | New Cars | Auto-Owners |
 | #2 | $41 | A++ | Competitive Rates | Geico |
 | #3 | $44 | A++ | Wide Coverage | State Farm |
 | #4 | $45 | A+ | Collision Repair | Erie |
 | #5 | $46 | A++ | Military Savings | USAA |
 | #6 | $60 | A+ | Safe Driving | Nationwide |
 | #7 | $61 | A++ | Low-Mileage | Travelers |
 | #8 | $68 | A+ | Discount Options | Progressive |
Read on to learn more about auto insurance for drivers over 70 by age. You can also find the best auto insurance company for seniors in your area using our free quote tool.
- Auto-Owners offers the cheapest rates for seniors
- Geico and State Farm also offer affordable senior rates
- Seniors should shop for quotes to get the cheapest rate
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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 review.
- Agents Are Local: Auto-Owners has local agents that offer in-person assistance.
- Accident Forgiveness: Qualifying drivers won’t see rate increases after their first at-fault accident at Auto-Owners.
Cons
- Availability: Auto-Owners policies are not sold in every state.
- Agent Quotes: You can’t get a quote online. Instead, you have to find a local agent to get a quote.
#2 – Geico: Best for Competitive Rates
Pros
- Competitive Rates: Geico’s rates are among the most competitive on the market for drivers. You can read more about Geico’s rates in our review of Geico.
- UBI Discount: Geico’s DriveEasy program offers great savings to seniors who drive safely (learn more in our Geico DriveEasy review).
- Easy Policy Management: Geico’s website and app have high ratings and make policy management easy.
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 is available in every U.S. state, so seniors can choose to keep State Farm as a provider if they move.
- Discounts: State Farm offers various auto insurance discounts that seniors can use to lower rates.
- Financially Strong: State Farm has high ratings for financial management, which you can learn more about in our State Farm 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: Erie has gap coverage, rideshare coverage, and more. Learn about Erie’s coverages in our review of Erie.
- Rate Lock: Erie’s rate lock ensures rates don’t change unless customers add vehicles or drivers or have an address change.
Cons
- Availability: Erie auto insurance is only available in a few states.
- No UBI Discount: Erie doesn’t have a UBI program to help good drivers save with a discount.
#5 – USAA: Best for Military Savings
Pros
- Military Savings: Veterans and military will find some of the cheapest rates at USAA. Learn about USAA’s rates in our USAA review.
- Customer Satisfaction: USAA has high customer satisfaction ratings.
- Bundling Options: USAA members can get a bundling discount if they also purchase home or renters insurance from USAA.
Cons
- Eligibility Is Limited: Drivers 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 some financial compensation for pet injuries, as well as key replacement.
- Bundling Options: Nationwide offers a bundling discount for customers who purchase more than one type of coverage.
Cons
- Availability: Nationwide isn’t available in a few states.
- Customer Satisfaction: Customers have given Nationwide’s claim handling some negative ratings. Learn more in our Nationwide 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 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 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. Below, you can see how average auto insurance rates by age change between 70-year-old drivers and 75-year-old drivers.
Auto Insurance for Drivers Over 70: Monthly Rates by Gender & Coverage Level
| 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, 70-year-olds can still find cheaper rates by getting quotes from the cheapest companies for senior 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.
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 |
Senior drivers with clean driving records will consistently have more affordable rates than those with tickets, accidents, or DUIs. Your credit score also has a bearing on what you will pay for auto insurance, as you can see from the data below.
Auto Insurance for Drivers Over 70: 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 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 auto insurance for drivers over 70 by state.
Auto Insurance for Drivers Over 70: Monthly Rates by Gender & State
| State | 70-Year-Old Female | 70-Year-Old Male | 75-Year-Old Female | 75-Year-Old 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 seniors you should carry? Take a look below to see how rates vary among types of car insurance for seniors.
Auto Insurance for Drivers Over 70: Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Auto-Owners | $38 | $128 |
| Erie | $45 | $125 |
| Geico | $41 | $145 |
| Nationwide | $60 | $130 |
| Progressive | $68 | $182 |
| State Farm | $44 | $136 |
| Travelers | $61 | $143 |
| USAA | $46 | $142 |
Minimum coverage insurance is the cheapest type of car insurance for drivers looking to save. However, it doesn’t offer as much financial protection as full coverage, which is the best auto insurance for retirees.
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
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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
You can also enter your ZIP into our free quote tool to quickly find an affordable company 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 affordable insurance for drivers over 70 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.
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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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.
