Car Insurance for Drivers Over 60
Last Updated on December 8, 2025
Conventional wisdom says that drivers in their 50s pay the lowest auto insurance rates — and that’s generally true. But as you enter your 60s, premiums may begin to creep upward. While drivers in their early 60s still tend to pay reasonable rates, insurers consider mid-60s and older drivers part of a slightly higher-risk group. Below, we explain why this happens and how drivers over 60 can still secure affordable auto insurance.
Key Takeaways
- Drivers in their early 60s still enjoy reasonable insurance rates, but premiums may rise slightly after age 65.
- Downsizing your vehicle, shopping around, and claiming low-mileage discounts can significantly reduce costs.
- No-claims discounts become especially valuable for older drivers.
- Some insurers specialize in senior-friendly pricing and may offer better deals for drivers over 60.
Car Insurance and Age: Why Do Drivers Over 60 Pay More?
Insurance companies rely on huge amounts of actuarial data to price policies. That data shows a clear trend: younger drivers and older drivers file more claims than middle-aged drivers. Drivers in their 30s, 40s, and 50s fall into the “sweet spot”—experienced, lower-risk, and less likely to make costly mistakes.
As drivers enter their 60s, statistics begin to shift. Older adults may experience slower reaction times, vision or hearing changes, and reduced mobility. None of this means you’re a bad driver—but insurers are risk-driven, and data shows drivers in their 60s (especially mid-to-late 60s) start to file more claims than drivers in their 50s.
The result? Insurance premiums may increase beginning around age 65, even if you’ve maintained a clean driving record.
The good news: with the right strategies, drivers over 60 — and even drivers in their 70s — can still secure very affordable rates.
How to Lower Car Insurance Costs When You’re Over 60
Drivers over 60 have plenty of opportunities to save money on auto insurance. Here are some of the most effective strategies:
- Downsize to a cheaper car. Bigger, heavier SUVs and luxury vehicles typically cost more to insure. A smaller, non-luxury sedan or crossover can significantly lower premiums.
- Shop around regularly. Some insurers welcome older, experienced, claim-free drivers. Others raise rates aggressively once policyholders enter their late 60s. Comparing quotes often reveals big price differences.
- Ask about a low-mileage discount. Many drivers over 60 are semi-retired or fully retired. If you drive under 10,000 miles per year — or avoid rush-hour traffic — you may qualify for a low-mileage discount.
- Increase vehicle security. Parking in a locked garage, installing anti-theft devices, or enabling built-in GPS systems may reduce comprehensive premiums.
- Look for insurers that favor older drivers. Some brands (including AARP/The Hartford) offer exceptional senior discounts and reward long-time, claim-free, experienced drivers.
Best Car Insurance Companies for Drivers Over 60
| Insurance Company | Why It’s Good for Drivers 60+ | Estimated Avg. Annual Premium (Age 60–70) | Notable Senior Perks |
|---|---|---|---|
| AARP / The Hartford | Built specifically for older drivers; excellent claims satisfaction and senior-focused benefits. | $1,350–$1,800 | Lifetime renewability, disappearing deductible, new car replacement, accident forgiveness. |
| GEICO | One of the cheapest national insurers for older adults with clean records. | $1,200–$1,650 | Multi-policy discounts, defensive driver savings, low-mileage pricing. |
| State Farm | Strong pricing stability for long-term customers; great for seniors with long safe-driving histories. | $1,300–$1,750 | Good driver discounts, Drive Safe & Save telematics, excellent agent network. |
| USAA (military families) | Often the lowest premiums in the country for eligible seniors with exceptional claims service. | $1,050–$1,400 | Accident forgiveness, safe driver savings, elite customer satisfaction. |
| Amica Mutual | Top-rated customer service and claims handling; ideal for seniors wanting reliable support. | $1,450–$1,900 | Dividend policies, excellent claims satisfaction, loyalty discounts. |
| Nationwide | Stable premiums and strong accident forgiveness options for senior drivers. | $1,350–$1,850 | SmartRide telematics, vanishing deductible, multi-policy savings. |
| Farmers | Great discount opportunities for senior homeowners and low-mileage retirees. | $1,600–$2,100 | Home + auto bundling, senior defensive driver discounts, strong agent support. |
Build Up a No-Claims Discount
Insurance companies love safe, claim-free drivers — and many reward them with no-claims discounts. The longer you go without filing a claim, the more you save.
Typical good-driver discounts build like this:
- 3 years with no claims: ~5% discount
- Each additional year: another 3%–5%
- Max savings: ~20% (varies)
To preserve your discount, consider paying out-of-pocket for extremely small repairs — like minor cosmetic scratches — when it makes financial sense. Filing a claim resets your discount.
FAQs on Insurance for Drivers Over 60
Conclusion: Get Car Insurance Quotes Online Today for Drivers Over 60
While drivers in their 60s may see rising insurance rates, seniors still have many ways to keep premiums low. Comparing quotes is the most effective way to save — and many older drivers ultimately pay less in their 60s than they did in their 50s simply by choosing the right insurer.
Enter your ZIP code at the top of this page to compare rates and discover how much you can save today.
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