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Saving money is important at any age. But if you're no longer working or are saving for retirement, the need to be fiscally responsible is even more paramount. So, in order to determine the best car insurance company for seniors, we created a user profile (outlined here) and examined some top companies across the US. So, let's get to it. Which insurance company is the cheapest for senior drivers?
Check out details on GEICO and other major insurance companies below:
| Car Insurance Company | Average Senior Premium |
| GEICO | $493 |
| Progressive | $618 |
| State Farm | $1,048 |
| Allstate | $1,047 |
| The Hartford | $1,301 |
Famous for the phrase, “15 minutes can save you 15% or more on car insurance,” GEICO had the cheapest car insurance rates for seniors on average across all ZIP codes. GEICO’s rates, like most of the companies examined, follow the general trend of auto insurance in the US. Ohio, where insurance is typically the cheapest, is hundreds of dollars less than the other locations. Moreover, New York is considerably expensive, as the 13th most expensive state for auto insurance in the US.
| Location | GEICO Car Insurance Rates for Seniors |
|---|---|
| Average | $493 |
| Saint Albans, NY | $855 |
| Ogden, UT | $393 |
| Culpeper, VA | $390 |
| Klamath Falls, OR | $409 |
| Middleburg, FL | $601 |
| Glendale, AZ | $827 |
| Hamden, CT | $567 |
| Ankeny, IA | $289 |
| Durham, NC | $323 |
| Toledo, OH | $275 |
If you are aged 50 or older, you could qualify for a unique contract type from GEICO. This special contract option guarantees renewal from year to year and is known as their Prime Time contract. You could be eligible if you meet the following criteria:
Note that this contract type is only valid 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.
Along with an accident forgiveness program, seniors can take part in the following discounts:
Like GEICO’s gecko, Progressive’s Flo is what most people remember about the company. Looking at Progressive's rates, it’s not hard to see why the company is so popular. While not as cheap as GEICO, Progressive is the second cheapest option of the five companies surveyed for seniors, with an average rate of $618. One of Progressive's selling points is its SnapShot program. Using a plug-in telematics device, SnapShot offers usage-based insurance, altering your rates based on your driving behaviors and mileage.
| Location | Progressive car insurance rates for seniors |
|---|---|
| Average | $618 |
| Saint Albans, NY | $1,295 |
| Odgen, UT | $605 |
| Culpeper, VA | $345 |
| Klamath Falls, OR | $543 |
| Middleburg, FL | $645 |
| Glendale, AR | $589 |
| Hamden, CT | $907 |
| Ankeny, IA | $342 |
| Durham, NC | $349 |
| Toledo, OH | $555 |
While the company doesn’t offer direct discounts for seniors, there are plenty of discounts available in which senior citizens can partake. Some of these discounts include:
Founded in 1931, Allstate's user satisfaction and claims ratings are good. But that level of service comes at a cost. Allstate is the third cheapest insurance company for seniors. While Allstate does offer some unique discounts for home-and-auto insurance bundling, we didn't include this in our study of senior auto insurance rates. However, if you have an Allstate homeowners policy and would like to bundle your auto, consider Early Signing and Allstate eSmart programs as ways to save. These selections could lower your car insurance quote by $85!
| Location | Allstate car insurance premiums for seniors |
|---|---|
| Average | $1,048 |
| Saint Albans, NY | $1,007 |
| Odgen, UT | $940 |
| Culpeper, VA | $824 |
| Klamath Falls, OR | $958 |
| Middleburg, FL | $1,191 |
| Glendale, AR | $1,924 |
| Hamden, CT | $1,567 |
| Ankeny, IA | $531 |
| Durham, NC | $842 |
| Toledo, OH | $683 |
Similar to Progressive, Allstate’s discounts aren’t directly tailored to senior citizens, yet seniors can still benefit from them. These are some of the available discounts that seniors can benefit from:
State Farm is the most popular insurance company in the US, and, depending on your location, it might be one of the most affordable options. State Farm’s most expensive states, Florida and New York, follow national insurance pricing trends. These states, because of myriad details — insurance laws, driver population, and weather trends — tend to have higher premiums. So, if you're a senior driver in these states, you might want to start with cheaper options like GEICO or Progressive before considering senior auto insurance with State Farm.
| Location | State Farm senior auto insurance rates |
|---|---|
| Average | $1,048 |
| Saint Albans, NY | $2,117 |
| Ogden, UT | $1,114 |
| Culpeper, VA | $969 |
| Klamath Falls, OR | $822 |
| Middleburg, FL | $1,416 |
| Glendale, AZ | $1,179 |
| Hamden, CT | $1,075 |
| Ankeny, IA | $523 |
| Durham, NC | $418 |
| Toledo, OH | $842 |
Aside from a discount on personal injury protection in the state of Kentucky, State Farm does not list any specific discounts for senior citizens. Discounts that seniors can take advantage of include:
The Hartford is a unique insurance company, as it's specifically designed for those older than 55. The Hartford's service and claims satisfaction are very well-regarded, but that comes at a price. Of the five companies surveyed, The Hartford was the most expensive for senior drivers. The Hartford’s average senior premium in our 10 sample areas was more than twice as much as those of GEICO and Progressive. Still, it's worth considering The Hartford for its senior-specific coverage options.
| Location | Senior car insurance rates with The Hartford |
|---|---|
| Average | $1,301 |
| Saint Albans, NY | $6,875 |
| Ogden, UT | $718 |
| Culpeper, VA | N/A |
| Klamath Falls, OR | $888 |
| Middleburg, FL | $1,440 |
| Glendale, AZ | $1,1284 |
| Hamden, CT | $1,218 |
| Ankeny, IA | N/A |
| Durham, NC | N/A |
| Toledo, OH | $582 |
The Hartford offers auto discounts to all its customers, including the following methods of saving:
With all variables constant, GEICO offered the cheapest auto insurance for seniors. However, that doesn't necessarily mean GEICO will be the cheapest company for you. If you want some other ideas on how to lower your car insurance rates, see our quick tips below on how to save.
If you're looking for more information on car insurance, see our related articles:
Next, we set our fictitious user's location, collecting an average of 10 randomly selected US ZIP codes:
