The Best Car Insurance Providers for Seniors in 2025

State Farm has been offering auto insurance for over 100 years, providing auto, life, home, and other types of insurance. It has customizable coverage options for car insurance, such as collision, comprehensive, rental, and rideshare insurance. If you or a loved one are looking for reliable coverage and great rates, consider State Farm. The insurance company mentions that customers can save up to $1,356 annually by bundling auto and home insurance. They also have many discounts available, including a good driver discount through their Drive Safe & Save app, which offers up to 30 percent off.

State Farm provides some of the best coverage options for seniors who are car enthusiasts. If you have an antique or classic car sitting in the garage, State Farm’s special Collector & Classic Car Insurance covers vehicles that are either 10 to 24 years old with historic interest, or an antique car that’s 25 years or older. Overall, we’re big fans of State Farm’s unique auto insurance options for seniors who need extra protection for their treasured vehicles and collectibles.

USAA is a strong contender if you’re a member of the military or a retired veteran. USAA provides affordable rates, including options to bundle auto and property insurance policies. The insurer has lower-than-average car insurance premiums — full coverage car insurance from USAA costs $1,407 per year. Compare that with the national average rate for full coverage: $2,399 per year. They also have many auto insurance discounts, including SafePilot, an app-based, safe-driving program. USAA members also get extra perks, including up to 40 percent off travel, home, car care, shopping, entertainment, and more.

In addition to its low rates, USAA is also known for its high customer satisfaction ratings. In J.D. Power’s Claims Satisfaction study, it usually ranks above average, meaning older adults can enjoy great customer service if they need to file a claim.1

If you’re anxious about getting into an accident, we’d recommend considering Progressive. The insurance provider has gracious accident forgiveness policies that won’t increase your insurance rates, pending certain criteria. Progressive also has cheaper rates compared to some of its competitors; a full coverage policy costs $1,960 per year.

They offer both small accident and large accident forgiveness for loyal Progressive customers. If you’ve been with Progressive for at least five years and haven’t had any accidents, you’ll automatically enjoy accident forgiveness. Also, Progressive forgives accidents for new customers if their first claim is under $500.

Progressive is the second-largest auto insurance provider in the nation. It mentions on its website that customers who switch save over $800 a year on their premiums. To keep your insurance bill down, you can take advantage of Progressive’s discounts, including loyalty and driver-based discounts.

As the fifth-largest property and casualty insurer globally with strong financial standing, Liberty Mutual has a wide selection of add-on coverage. If you’re looking for extra coverage that isn’t included in most standard policies, we’d recommend Liberty Mutual.

You’ll find add-ons like 24-hour roadside assistance, gap coverage, coverage in Mexico, teachers’ auto insurance, original parts replacement, and rental car reimbursement — to name a few. With over 100 years of experience in the insurance business, Liberty Mutual has a slew of discounts that seniors may be eligible for, such as early shopper, military, violation-free discounts, and more.

AARP offers car insurance through The Hartford, making it a great option for AARP members. If you sign up for AARP car insurance, you can get up to a 10 percent discount for being an AARP member, along with up to five percent savings on auto and home insurance bundles.

If you’re an older adult with a great driving record, we’d recommend AARP. One of the perks of AARP Auto Insurance is that they provide an optional “disappearing deductible,” where your collision deductible will decrease over time as long as you maintain a clean driving record. The provider has a fast and seamless claims filing process, with a 24/7 car insurance hotline that lets you file a claim 24/7.

Allstate offers many ways for seniors to save, including a safe driver discount, notable savings for bundling, and pay-per-mile coverage. If you’re looking to apply more than one discount to your policy, Allstate is great for that. It also ranks high in customer satisfaction ratings from J.D. Power for multiple regions, including Florida and New England. While your actual rates will depend on your location, driving history, and other factors, it’s worth checking out.

Allstate also makes it easy for customers to track and file their auto insurance claims by creating an account online, or downloading the Allstate mobile app for seniors who prefer using their smartphone. As a perk, if you download the Allstate mobile app, you’ll have access to its QuickFoto claim, which lets you easily take photos and submit damages to your car through the app. Plus, Allstate has an “A+” rating from AM Best for financial strength.4 This means it has the money to cover damages from an accident when you file a claim.

As the third-largest auto insurer in the U.S., Geico offers affordable auto insurance rates and discounts for seniors over the age of 50. On average, Geico customers pay $1,731 per year for full coverage, which is much lower than the national average of $2,399. Geico knows that many car insurance companies increase premiums or won’t renew policies when customers reach a certain age. To combat this, Geico provides guaranteed renewal for drivers aged 50 and older who meet certain criteria.

In addition to guaranteed renewal, Geico offers a variety of discounts for seniors, including defensive driver, safe driving, retired government and military, and multi-car discounts. We appreciate that Geico understands the changing needs of older adults and provides affordable solutions for their insurance needs.