Car Insurance for Seniors

Drivers in their 60s pay some of the lowest car insurance premiums of any age group. From the mid-70s rates can start to creep up again, but older drivers have more ways to cut costs than most people use: fewer miles, mature-driver courses and a fresh round of quotes.

What older drivers pay

Age	Women, average per year	Men, average per year
60–69	$1,807	$1,800
70–79	$1,792	$1,869
80 and over	$1,764	$1,978

Source: Experian, published September 9, 2026 (12 months to August 2026, all coverage levels). National average for all ages: $2,262 a year.

Experian notes that premiums generally fall steadily until the mid-70s, then tend to tick up. The figures show it most clearly for men, whose average rises from $1,800 in their 60s to $1,978 after 80.

Discounts to ask for

• Mature-driver course. Many states require insurers to give a discount to older drivers who complete an approved defensive driving course, often available online. The discount often lasts for about three years before the course has to be repeated. Ask your insurer or your state's insurance department which courses qualify.
• Low mileage. Retirement often cuts annual mileage dramatically. Update the mileage on your policy, and consider a usage-based or pay-as-you-drive policy if you drive very little.
• Retiree or affiliation discounts through membership organizations, former employers or alumni groups.
• Safety features on newer cars, and the multi-policy discount for combining home and auto.

Review your coverage, too

• Liability: keep it high. Retirement savings and a paid-off home are exactly what a large claim against you would reach.
• Collision and comprehensive: on an older, low-value car, these may now cost more than they could pay out.
• Medical payments or PIP: check how they fit with Medicare and any supplemental health cover.
• A second car you rarely use: consider selling it, or ask about storage coverage while it's laid up.
• A spouse who has stopped driving: ask whether they can be listed as a non-driver.

Don't assume loyalty is rewarded

Long-standing customers don't necessarily get the best price. Get competing quotes every year or two, including from insurers with dedicated programs for older drivers, and compare the same coverage side by side. Start comparing here.

Reyess editorial team. Last updated September 2026. Discount rules and names vary by insurer and state.

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