Cheap Auto Insurance for Drivers Over 80 in 2024 (Top 8 Companies Ranked)
AAA, State Farm, and Travelers have cheap auto insurance for drivers over 80. Older drivers get the cheapest senior car insurance rates from AAA at $32/mo, but Allstate has cheaper usage-based rates. Compare different levels of auto insurance for seniors here to get the lowest 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
UPDATED: May 10, 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: May 10, 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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1,731 reviewsAAA, State Farm, and Travelers have the lowest rates for cheap auto insurance for drivers over 80. In addition to offering cheap auto insurance for infrequent drivers, they also have great coverage and discount programs.
If you aren’t sure how to get auto insurance as a senior, it is best to start by comparing companies’ coverages and rates.
We’ve made the process easier by collecting a list of the cheapest companies that carry the best insurance for drivers over 80.
Take a look at some top companies below.
Our Top 8 Company Picks: Cheap Auto Insurance for Drivers Over 80
| Company | Rank | Monthly Rates | Good Driver Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $32 | 30% | Roadside Assistance | AAA |
 | #2 | $33 | 25% | Customer Service | State Farm |
 | #3 | $37 | 10% | IntelliDrive Program | Travelers |
 | #4 | $38 | 30% | Budget Shopping | Progressive |
 | #5 | $43 | 25% | Tailored Policies | The Hartford |
 | #6 | $44 | 40% | Good Drivers | Nationwide |
 | #7 | $53 | 30% | Discount Selection | Farmers |
 | #8 | $61 | 30% | Pay-Per-Mile Rates | Allstate |
Wondering how to find cheap auto insurance for drivers over 80 near me? Use our free quote tool to quickly find the best companies for cheap auto insurance for drivers over 80 near you.
- AAA has the cheapest auto insurance for drivers over 80
- State Farm and Travelers also have affordable rates
- Comparing rates will help older drivers find the best deal
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#1 – AAA: Top Pick Overall
Pros
- Roadside Assistance: AAA’s roadside assistance is one of the best programs available for help during breakdowns.
- Discounts: AAA has a great selection of auto insurance discounts for seniors, from good driver discounts to paperless discounts.
- Add-On Coverages: AAA’s selection of coverages includes gap insurance for new cars (read more about AAA’s coverage in our review of AAA).
Cons
- Membership Fee: Drivers must pay a yearly fee for AAA membership in order to purchase auto insurance.
- AAA Companies Vary: AAA auto insurance clubs differ across states, so seniors who move may have to switch clubs.
#2 – State Farm: Best for Customer Service
Pros
- Customer Service: State Farm’s local agents provide in-person assistance when drivers shop for types of car insurance for seniors.
- Discounts: One of the reasons State Farm has affordable insurance for drivers over 80 is because of the many State Farm discounts.
- Add-On Coverages: State Farm has great coverages to round out a policy, such as rental car insurance. Read more in our review of State Farm.
Cons
- Agent-Only Policy Purchases: While you can get quotes from State Farm’s website, seniors must complete their purchase through an agent.
- Higher Rates for Poor Credit Scores: In states where credit can be used as a rating factor, State Farm’s rates often increase for drivers with poor credit scores.
#3 – Travelers: Best for IntelliDrive Program
Pros
- IntelliDrive Program: Seniors who are safe drivers can earn discounts with Travelers’ IntelliDrive program. You can read more in our review of Travelers IntelliDrive.
- Accident Forgiveness Coverage: Travelers will forgive a driver’s first at-fault accident at the company if the driver has a clean record beforehand.
- High Financial Ratings: Traveler’s strong financial strength means it is better able to keep auto insurance rates at a reasonable price.
Cons
- Available in 42 States: Travelers isn’t available in all 50 states.
- Customer Satisfaction: Travelers has a few below-average ratings for customer satisfaction (learn more about its ratings in our Traveler’s review).
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#4 – Progressive: Best for Budget Shopping
Pros
- Budget Shopping: Seniors on budgets can see how much coverage they can afford at Progressive with the Name Your Price tool.
- Accident Forgiveness: Safe drivers may be forgiven for their first at-fault accident at Progressive.
- Add-On Coverages: Progressive offers rideshare coverage, pet coverage, and more (read about Progressive’s coverage options in our Progressive review).
Cons
- Snapshot Program Can Raise Rates: Unsafe drivers participating in Progressive’s UBI program may see a rate increase (learn more in our Progressive Snapshot review).
- Customer Satisfaction: Progressive has some below-average customer satisfaction ratings.
#5 – The Hartford: Best for Tailored Policies
Pros
- Taliored Policies: The Hartford’s range of coverages allows seniors to tailor polices to suit their auto insurance needs. Learn about its coverage options in our review of The Hartford.
- AARP Discount: The Hartford offers a discount to AARP members, helping drivers save on the different types of auto insurance for seniors.
- Accident Forgiveness: The Hartford will forgive qualifying driver’s first at-fault accident at the company.
Cons
- Customer Reviews: The Hartford has some negative reviews from customers regarding claims and customer service.
- Best for Seniors: Drivers over 80 who want to add younger drivers to their policy, such as teenagers, won’t see the best rates at The Hartford.
#6 – Nationwide: Best for Good Drivers
Pros
- Good Driver Discounts: Nationwide offers a large discount to good drivers, helping lower rates for auto insurance for seniors over 80.
- Pay-Per-Mile Rates: Nationwide offers cheap usage-based auto insurance through SmartMiles (read more: Nationwide SmartMiles Review).
- Add-On Coverages: Nationwide’s add-on coverages make it easy for seniors to customize policies.
Cons
- Available in 47 States: Nationwide isn’t available in 3 states.
- Customer Satisfaction: Nationwide has some negative customer satisfaction ratings (learn more in our Nationwide review).
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#7 – Farmers: Best for Discount Selection
Pros
- Discount Selection: Farmers has a great discount selection, which you can learn more about in our article on Farmers discounts.
- Widely Available: Farmers’ auto insurance is available across the U.S.
- Coverage Selection: Farmers’ coverage selection makes tailoring policies easy (learn more: Farmers Auto Insurance Review).
Cons
- Customer Reviews: Farmers has some negative customer service and claims processing reviews.
- Higher Rates in Some Areas: Farmers may not be the most affordable company in some states, which is why it’s important to always get cheap senior auto insurance quotes before purchasing.
#8 – Allstate: Best for Pay-Per-Mile Rates
Pros
- Pay-Per-Mile Rates: Allstate is one of the best pay-as-you-go auto insurance companies, as it offers pay-per-mile insurance with Milewise (read more: Allstate Milewise Review).
- Coverage Options: Allstate offers many different types of auto insurance for seniors to choose from. Learn more in our Allstate review.
- Strong Financial Ratings: Allstate can pay out claims without having to raise rates to compensate.
Cons
- Customer Satisfaction: Allstate’s customer satisfaction ratings are a little lower than the average.
- Rates Can Be Higher: Allstate may not always offer cheap senior car insurance quotes in some states.
Compare Auto Insurance Rates for Drivers Over 80
Curious what is the cost of average car insurance for 80-year-old drivers? The table below shows average auto insurance rates by age for drivers over 80.
Auto Insurance for Drivers Over 80: Monthly Rates by Gender & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 80-Year-Old Female | $28 | $80 |
| 80-Year-Old Male | $27 | $80 |
| 85-Year-Old Female | $26 | $75 |
| 85-Year-Old Male | $25 | $75 |
Drivers over 85 may actually see a slight decrease in rates based on the average.
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Why Auto Insurance is Expensive for Seniors
If you are having trouble finding affordable insurance for drivers over 80, it may be because of your driving record.
Auto Insurance for Drivers Over 80: Monthly Rates by Gender & Driving Record
| Age & Gender | Clean Record | Speeding Ticket | At-Fault Accident | DUI/DWI |
|---|---|---|---|---|
| 80-Year-Old Female | $65 | $85 | $105 | $125 |
| 80-Year-Old Male | $70 | $90 | $110 | $130 |
| 85-Year-Old Female | $55 | $75 | $95 | $115 |
| 85-Year-Old Male | $60 | $80 | $100 | $120 |
A DUI/DWI often raises rates the most, but tickets and at-fault accidents are also detrimental to rates.
A poor driving record will result in higher rates for any driver, regardless of age. If drivers over 80 have high rates due to a poor driving record, it is important to compare rates to see if costs can be reduced.Tracey L. Well Licensed Insurance Agent & Agency Owner
In addition to driving record, rates can vary for cheap auto insurance for drivers over 80 by state.
Auto Insurance for Drivers Over 80: Monthly Rates by Gender & State
| State | 80-Year-Old Male | 80-Year-Old Female | 85-Year-Old Male | 85-Year-Old Female |
|---|---|---|---|---|
| Alabama | $100 | $95 | $95 | $90 |
| Alaska | $110 | $105 | $105 | $100 |
| Arizona | $105 | $100 | $100 | $95 |
| Arkansas | $90 | $85 | $85 | $80 |
| California | $120 | $115 | $115 | $110 |
| Colorado | $110 | $105 | $105 | $100 |
| Connecticut | $130 | $125 | $125 | $120 |
| Delaware | $115 | $110 | $110 | $105 |
| Florida | $140 | $135 | $135 | $130 |
| Georgia | $120 | $115 | $115 | $110 |
| Hawaii | $95 | $90 | $90 | $85 |
| Idaho | $100 | $95 | $95 | $90 |
| Illinois | $105 | $100 | $100 | $95 |
| Indiana | $90 | $85 | $85 | $80 |
| Iowa | $85 | $80 | $80 | $75 |
| Kansas | $95 | $90 | $90 | $85 |
| Kentucky | $110 | $105 | $105 | $100 |
| Louisiana | $130 | $125 | $125 | $120 |
| Maine | $90 | $85 | $85 | $80 |
| Maryland | $115 | $110 | $110 | $105 |
| Massachusetts | $120 | $115 | $115 | $110 |
| Michigan | $140 | $135 | $135 | $130 |
| Minnesota | $105 | $100 | $100 | $95 |
| Mississippi | $90 | $85 | $85 | $80 |
| Missouri | $100 | $95 | $95 | $90 |
| Montana | $95 | $90 | $90 | $85 |
| Nebraska | $85 | $80 | $80 | $75 |
| Nevada | $120 | $115 | $115 | $110 |
| New Hampshire | $90 | $85 | $85 | $80 |
| New Jersey | $125 | $120 | $120 | $115 |
| New Mexico | $95 | $90 | $90 | $85 |
| New York | $130 | $125 | $125 | $120 |
| North Carolina | $95 | $90 | $90 | $85 |
| North Dakota | $85 | $80 | $80 | $75 |
| Ohio | $95 | $90 | $90 | $85 |
| Oklahoma | $100 | $95 | $95 | $90 |
| Oregon | $110 | $105 | $105 | $100 |
| Pennsylvania | $105 | $100 | $100 | $95 |
| Rhode Island | $120 | $115 | $115 | $110 |
| South Carolina | $100 | $95 | $95 | $90 |
| South Dakota | $85 | $80 | $80 | $75 |
| Tennessee | $90 | $85 | $85 | $80 |
| Texas | $110 | $105 | $105 | $100 |
| Utah | $105 | $100 | $100 | $95 |
| Vermont | $90 | $85 | $85 | $80 |
| Virginia | $100 | $95 | $95 | $90 |
| Washington D.C. | $110 | $105 | $105 | $100 |
| West Virginia | $95 | $90 | $90 | $85 |
| Wisconsin | $90 | $85 | $85 | $80 |
| Wyoming | $75 | $70 | $70 | $65 |
| U.S. Average | $90 | $85 | $100 | $110 |
If you take the time to look for the best car insurance company for seniors in your state, such as AAA locations, you can get lower rates on the best auto insurance for seniors.
Ways to Save on Auto Insurance for Drivers Over 80
Auto insurance discounts are one of the top ways to save on the best auto insurance for retirees. Take a look at some great discounts offered at the cheapest companies below.
In some states, you may even be able to get a government-mandated auto insurance discount for seniors.
How to Buy Auto Insurance When You’re Over 80
Even if you’re over 80, your credit score will still matter to auto insurance companies. When shopping for car insurance for 80-year-olds, you will see the following rate changes based on credit score.
Drivers Aged 80 & 85: Auto Insurance Monthly Rates by Gender & Credit Score
| Age & Gender | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| 80-Year-Old Female | $75 | $95 | $115 |
| 80-Year-Old Male | $80 | $100 | $120 |
| 85-Year-Old Female | $65 | $85 | $105 |
| 85-Year-Old Male | $70 | $90 | $110 |
If you have a poor driving record, we recommend shopping at the best auto insurance companies for drivers with bad credit.
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Bottom Line on the Cheapest Auto Insurance for Drivers Over 80
Senior drivers often enjoy more affordable rates due to decreased driving time. You can learn more in our article: How to Lower Your Auto Insurance Rates.
To find the best auto insurance company for seniors near you, enter your ZIP code into our free quote comparison tool.
Frequently Asked Questions
What is the best auto insurance for 80-year-olds?
The best auto insurance for seniors is usually a full coverage policy.
Does car insurance go up after 80?
80-year-olds may see a slight increase in rates in their 80s, but it really depends on the company and the driver’s driving record. Enter your ZIP code below to find cheap quotes near you.
Is car insurance high for seniors?
It depends on a senior’s driving record, vehicle, area, and other factors. Learn more in our article: Factors That Affect Auto Insurance Rates.
Why is car insurance so expensive for older drivers?
Actually, older drivers often have more affordable rates due to driving experience. The best way to find cheap auto insurance for drivers over 80 is to get quotes.
What age has the lowest premium rate for auto insurance?
85-year-olds have lower average rates than 80-year-olds.
Does credit score affect car insurance for drivers over 80?
Yes, credit score affects car insurance rates for all ages of drivers (learn more: How Credit Scores Affect Auto Insurance Rates).
Does American Family Insurance have senior discounts?
American Family discounts drivers over 55 who complete a defensive driver course.
Is Root auto insurance good for drivers over 80?
Root may be an option for drivers over 80 who rarely drive and have good driving records.
Do retirees pay less for car insurance?
Yes, retirees often pay less for car insurance as they drive less. If you rarely drive, make sure you get the best auto insurance for limited-use vehicles.
Why is State Farm auto insurance for drivers over 80 so expensive?
It may be because the driver over 80 has a poor driving record. We recommend getting quotes to find the best deal.
Who is cheaper for drivers over 80, Geico or Progressive?
Progressive is generally the cheaper option for drivers over 80 based on rate averages.
Is Liberty Mutual cheaper than Geico for drivers over 80?
It depends on the driver’s record, coverage choices, and more. The only way to know which company is cheaper is to get quotes. Read more in our article: Liberty Mutual vs. Geico Car Insurance Comparison.
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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.
