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Best Auto Insurance for Seniors in 2019

Our experts have researched 14 auto insurance providers and recommend 10 of the best options for seniors.

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Top 10 Highest Ranked Senior Auto Insurance Providers For 2019

Some seniors likely shudder at the thought of purchasing auto insurance because of fears of getting insurance as a senior and the notion that auto insurance costs more for seniors. Several rumors and opinions about auto insurance sometimes turn out to be nothing more than a myth. Seniors should have accurate information about auto insurance, including insurance requirements of your particular state, and information regarding overall costs, including discounts or other savings opportunities. This comprehensive guide features the 2019 top 10 highest-ranked auto insurance providers for seniors, along with additional information that likely helps seniors make the best decisions when choosing auto insurance that meets their needs and budget.
  • The Hartford Auto Insurance - The Hartford has offered auto insurance to AARP members for almost 40 years, and recognizes and rewards experienced drivers.
  • Acceptance Insurance - Acceptance Insurance recognizes that the auto insurance needs of senior drivers are typically different from needs of younger drivers, and offers affordable auto insurance policies with the needs of seniors in mind.
  • Allstate Car Insurance - Allstate Allstate typically receives good financial stability ratings from several agencies and offers a variety of discounts for drivers.
  • GEICO Car Insurance - GEICO has more than 80 years experience in the insurance business, gives back to communities and offers a variety of auto insurance discounts to eligible seniors.
  • Farmers Car Insurance - This company, in business since 1928, is likely best known for its auto insurance and multiple policy discounts.
  • State Farm Car Insurance - State Farm offers a variety of auto insurance policies and discounts that likely appeal to many seniors.
  • Progressive Car Insurance - Progressive indicates that the company offers "Unmatched value" on car insurance policies.
  • Nationwide Car Insurance - Progressive indicates that the company offers "Unmatched value" on car insurance policies.
  • Liberty Mutual Auto Insurance - Liberty Mutual explains several points that consumers considering purchasing auto insurance should understand, and helps potential customers identify discounts on car insurance.
  • Esurance Auto Insurance - The company urges seniors to take advantage of savings available to all drivers, along with other opportunities to lower car insurance costs specifically for seniors.

How We Chose Our Top List

There’s no shortage of auto insurance policies for seniors, so it can be an uphill battle searching for the perfect fit. We’ve simplified the process, and we created this top 10 list by looking at factors like ease of use, service and response, features and technology, and of course, pricing. Our experts left no stone unturned to showcase the best senior auto insurance policies for 2019.

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Providers considered
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Experts consulted
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Providers selected
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Hours of research
1. The Hartford Auto Insurance
Ease of use Excellent
Service & Response Excellent
Features & Tech Excellent
Pricing

Overview

The Hartford first opened its doors long before the invention of the automobile. The company created the Accident and Indemnity Company in 1913 and included the offering of auto insurance policies.

The Hartford began offering auto insurance to AARP members in 1984. The company has a variety of auto insurance coverage options. The company feels that it offers some important benefits and features not always available through some other auto insurance companies.

The offering of vehicle collision coverage, non-collision damage comprehensive coverage, car towing and rental car coverage helps pay for damages and other expenses related to covering your automobile. Car liability insurance coverage helps protect policyholders from financial losses and covers the cost of injuries to other parties. Full coverage through The Hartford includes liability, collision, and comprehensive coverage.

When purchasing a policy from The Hartford, seniors know the company offers policies specifically tailored for seniors since it offers auto insurance to AARP members. Offering exclusive benefits and discounts to customers 50 years of age and older is another advantage likely to attract seniors.

Pros
    • Car insurance premiums are locked-in for a year, rather than the typical six-months offered by many other companies selling auto insurance
    • Policyholders age 50 and older and insured through The Hartford for at least 60 days receive lifetime eligibility renewal when meeting all requirements
    • Offers ‘Disappearing Deductible,’ lowering deductible amount each year an insured remains accident-free
    • Features several ways to save on auto insurance, including taking the AARP Driver Safety Program course, bundling multiple products, having anti-theft devices or automatic air bags, or receiving a multiple car discount
Cons
    • You must be an AARP member
    • The Hartford is not available in every state
    • Some benefits are not available in all areas
    • Some benefits, including the Disappearing Deductible and First Accident Forgiveness are available solely with Advantage Plus, an optional package

Pricing

AARP members receive a no cost, no obligation quote. The company does not offer a specific auto insurance quote range, since pricing depends upon individualized auto insurance needs, and other factors.

Some of those factors include the results of third party data reports, including a credit report, driving record, prior insurance and loss history, and vehicle history.

The Bottom Line

The Hartford offers personalized coverage options for AARP members, with the opportunity to enjoy various discounts and features of optional package benefits. Lifetime renewability and focusing on customers over the age of 50 likely means that the company understands its customers and their auto insurance needs.

2. Acceptance Insurance
Ease of use Excellent
Service & Response Excellent
Features & Tech Excellent
Pricing

Overview

Acceptance Insurance dedicates part of its site specifically to auto insurance for seniors. The company considers itself a leading provider of personal auto insurance and offers its products and services at more than 350 locations across several states. The availability of some auto insurance products potentially varies from one state to another state.

The company offers basic liability coverage, comprehension and collision coverage, uninsured or underinsured motorist coverage.

The company calls itself a “Leader in car insurance for seniors…,” recognizing the importance of having affordable coverage, premiums, and deductible options for seniors seeking affordable auto insurance.

Pros
    • Recognizes specific needs of seniors seeking budget-friendly auto insurance coverage that suits their needs
    • Offers supplementary 24/7 roadside assistance option
    • Offers policies to drivers with less than perfect credit, along with the advantage of improving auto insurance options as credit score improves
    • Features outstanding list of frequently asked questions (FAQs) with comprehensive answers on website
Cons
    • Auto insurance offered in limited number of states
    • Apparently offers no bundled coverage although company offers variety of insurance products
    • No actual pricing information details provided on site
    • Does not offer 24-hour customer service

Pricing

Acceptance offers the opportunity to obtain a free quote online or by calling the company and speaking with a representative. The company provides no actual pricing information on the site.

Some non-standard drivers potentially pay more for coverage, due to specific insurance coverage needs.

The Bottom Line

Acceptance Insurance offers auto insurance policies to drivers of all ages, including seniors. Seniors that are turned down elsewhere possibly discover that Acceptance Insurance provides coverage for their needs and budget.

The lack of 24-hour customer service possibly affects the decision of some seniors seeking auto insurance coverage.

3. Allstate Car Insurance
Ease of use Excellent
Service & Response Excellent
Features & Tech Excellent
Pricing

Overview

Allstate indicates that more than 16 million households trust them for providing quality auto insurance coverage and savings. The company offers a variety of auto insurance coverage, including basic liability coverage, along with optional collision coverage, and comprehensive coverage.

Some states require that drivers have medical payments coverage, sometimes referred to as personal injury protection. Some states require uninsured or underinsured motorist coverage, while this is an option in other states. Allstate offers both of these types of coverage and a variety of other optional auto insurance coverage options.

The company offers a variety of rewards and discounts, likely of particular interest to senior drivers. Enjoy discounts if you bundle your auto insurance with either Allstate home insurance or life insurance, or drive a newer automobile.

Discover deductible rewards, and bonus checks for safe driving. Opt into the Drivewise app receive a three percent discount off your auto policy, and continued discounts and rewards for completing safe driver challenges.

Pros
    • Earn $100 deductible reward every year you drive without an accident
    • Offers multiple opportunities for policyholders to receive discounts and rewards
    • Continuously recognized for strong financial stability
    • Opportunity to bundle auto insurance with other types of coverage
Cons
    • The 55 and retired discount applies only to homeowner policies
    • Premium costs are potentially higher than some other companies offering similar auto insurance coverage
    • Several media sources reported that Allstate raised auto insurance rates up to three times in 18 months in some areas
    • Requires entering complete personal data when attempting to get a free online quote

Pricing

The company does not offer set prices for its policies because every policyholder has different needs and circumstances that potentially affects pricing of an auto insurance policy.

The company indicates that the type of car you own, how much you drive, your driving record, type of coverage, deductibles, and where you live are factors that potentially affect the cost of your auto insurance costs.

The Bottom Line

Allstate is a well-recognized company with strong financial standing. Although there is no discount specifically for seniors, other discounts and rewards help lower auto insurance costs.

4. GEICO Car Insurance
Ease of use Excellent
Service & Response Excellent
Features & Tech Excellent
Pricing

Overview

Founded in 1936 as Government Employees Insurance Company (GEICO), today the company insures nearly 30 million vehicles. The company receives recognition as the second-largest private passenger auto insurer in the country.

Seniors that turn to GEICO for their auto insurance likely consider the company because of its dedication to drivers over 50 years of age. The Prime Time Contract, available in many states, is for car owners that are at least 50 years old, have no drivers underage 25, have not had any accidents or violations within the previous three years and do not use their vehicle for a business.

GEICO offers several discounts that potentially appeal to seniors, including the five-year good driving discount, retired government and military discount, multi-car discount and a discount for taking a defensive driving course.

The company offers insurance meeting minimum liability coverage requirements in states served by GEICO. There are options such as vehicle coverage, medical coverage, uninsured motorist coverage, roadside assistance and mechanical breakdown coverage options. Discuss the coverage right for you with your agent or representative.

Pros
    • GEICO has a 97 percent customer satisfaction rating
    • Consistently receives A+ or better financial strength ratings from independent analysts
    • Has Prime Time contract specifically for seniors
    • Has multiple discounts likely of particular interest to seniors
Cons
    • Not available in every state
    • Some features, such as accident forgiveness, are not available in all states
    • Requires entering social security number and other personal information for online quote
    • Complaints on some sites include claims of GEICO withdrawing funds from bank accounts of policyholders for policy increases and violations without prior knowledge of policyholders

Pricing

GEICO offers online quotes based on individual answers to several questions. Pricing depends on your life situation, auto insurance needs, coverage and policy deductible.

A variety of discounts potentially lowers auto insurance initial costs and monthly premiums.

The Bottom Line

GEICO has consistently strong financial strength ratings and claims to have a high customer satisfaction rating. While the company offers multiple types of insurance coverage, insured policyholders potentially deal with various insurers related to coverage on each type of policy.

5. Farmers Car Insurance
Ease of use Excellent
Service & Response Excellent
Features & Tech Excellent
Pricing

Overview

Farmers Insurance began serving policyholders in 1928. Initially serving rural customers, the company grew into one of the largest insurers of automobiles, homes, and small businesses.

The company reminds individuals looking for car insurance that while they only have to meet minimum coverage requirements, there are other important factors of consideration, including comprehensive and collision coverage, third party liability, and other optional products. Consider towing and roadside service coverage, personal liability umbrella coverage, new car replacement coverage, accident forgiveness, and other available options, based on your coverage needs.

A Farmers representative guides individuals each step of the way through comparing rates, likely a benefit for seniors on a fixed income.

Enjoy the Senior Defensive Driver Discount, reserved for seniors that meet age requirements and successfully complete an approved driver’s education course. Other possible discounts include the safe driver discount, home ownership discount, and multi-car discount. Ask a representative about other possible discounts.

Pros
    • Offers opportunity to compare Farmers rates with that of other auto insurance providers
    • Offers multiple discounts, including a discount for eligible seniors
    • Known for giving back, serving communities as well as policyholders when disaster strikes
    • New Car Pledge offers guarantee of replacement with new car of same make and model at full market value if vehicle had less than 24,000 miles and is less than two years old.
Cons
    • Seems to place considerable emphasis on Farmers Risk Assessment Indicator, considering results of risk assessment “Highly predictive” of future claim activities
    • Lists seemingly high number of reasons that premiums potentially increase, including moving to new location, changing vehicles, tickets, accidents, adding a new driver, particularly if a teenager
    • Although site provides opportunity for “Quick and easy” online quote, that process potentially accesses your information from third parties, asks that users enter license plate number, driver’s license number and other personal information online
    • Complaints online include that the company allegedly raises rates even when policyholder has no accidents or violations

Pricing

Contact a Farmers agent for an individualized quote or receive an online quote at no cost.

The company indicates that factors such as age, where you live, number of vehicles you insure, the amount of insurance you need along with additional optional coverage affects pricing of your auto insurance policy.

Making sure that your insurance does not lapse, adding safety features such as anti-lock brakes and anti-theft devices helps keep your auto insurance price down at Farmers.

The Bottom Line

The company has a long history of providing a variety of insurance products. Farmers offers multiple discounts. Seniors have to complete a driver’s education course approved by their local motor vehicle department to receive a senior discount, possibly a downside for some seniors.

6. State Farm Car Insurance
Ease of use Excellent
Service & Response Excellent
Features & Tech Excellent
Pricing

Overview

State Farm explains that as the number one insurance provider, the company takes pride in being in business for nearly a century.

State Farm offers a wide variety of auto insurance coverage options, including minimum state-required liability coverage, collision coverage, comprehensive coverage, uninsured and underinsured motor vehicle coverage options. Other options include medical payments, emergency road service, car rental and travel expenses coverage.

State Farm sells more than 100 products, making it a possible attractive option for seniors seeking auto insurance coverage.

Receive a discount when you combine your auto and home, life or renters insurance, insure more than one automobile, have airbags or other passive restraints, have anti-theft devices or drive a vehicle manufactured in 1994 or later. Receive a good driving discount after three years with no moving violations or at-fault accidents, an accident-free discount after three years without a chargeable accident, or take a defensive driving course.

Although State Farm does not specifically offer a senior discount, seniors have several options for other auto insurance discounts.

Pros
    • Ranked number 36 among Fortune 500 companies
    • Largest auto insurance provider across the United States
    • Offers many auto insurance discounts, likely helpful for budget-minded seniors
    • Has retained financially strong rankings for nearly 100 years
Cons
    • No specific senior discount
    • Site indicates that the company shares information among State Farm affiliates
    • Some policyholders complain of lapse in time from filing claim and getting adequate response
    • Discounts vary by state rather than being consistent for all policyholders

Pricing

State Farm offers the opportunity to receive an online quote for a new auto insurance policy.

Your costs and premiums depend on individualized circumstances and factors, such as the make and model of your vehicle, how much you drive, your driving record, credit report and other relevant information.

The Bottom Line

State Farm is a well-recognized name in the insurance industry, insuring more than 40 million vehicles across the U.S. Its strong financial standing possibly makes it an attractive choice for some seniors. Make sure you understand all your policy and premium costs, along with any factors potentially affecting your rates later.

7. Progressive Car Insurance
Ease of use Excellent
Service & Response Excellent
Features & Tech Excellent
Pricing

Overview

Touting itself as the third-largest car insurance company in the U.S., Progressive offers multiple types of auto insurance coverage.

Policyholders have opportunity to add comprehensive and collision coverage, uninsured/underinsured motorist coverage, medical payments coverage, rental car reimbursement, and a loan/lease payoff, which pays off your loan in event your car is totaled.

Progressive boasts an innovative approach to auto insurance. Its website continually evolves with new technology yet remains an easy to navigate feature, likely of importance to seniors.

Seniors discover discount options such as the multi-policy discount, safe driver discount, and homeowner discount. Receive a discount when you receive a quote online, go paperless or set up automatic payments.

Pros
    • Offers the Name Your Price Tool that lets users choose rates for coverage options
    • Company states that the average driver switching to Progressive saves an average of $668
    • An average of 99 percent of Progressive’s auto insurance customers qualify for at least one discount
    • Offers small accident forgiveness with no rate increase on claims under $500
Cons
    • Must be with Progressive for minimum of five years, with no accidents in previous three years to receive accident forgiveness on larger claims
    • Small accident forgiveness is limited to claims under $500
    • Some seniors may not feel confident in handling their policy online to receive certain discounts
    • Seniors that are not tech savvy may find some tools and resources too complicated

Pricing

Although the company offers the Name Your Price Tool, policyholders do not literally name their price and pay only that amount. The tool shows you the highest and lowest coverage amounts and then allows you to see rates that best suit your needs and budget.

Combine auto insurance with other Progressive products or enjoy one of several other discount options to lower your initial costs and premiums. Remember that insurance rates often go up over time and that your individualized factors potentially affect whether your auto insurance costs.

The Bottom Line

Progressive offers a variety of auto insurance options. Discounts help lower auto insurance costs for seniors, but some discounts only apply when you manage your policy online, which may not appeal to some seniors.

8. Nationwide Car Insurance
Ease of use Excellent
Service & Response Excellent
Features & Tech Excellent
Pricing

Overview

Nationwide offers vehicle coverage that includes collision, comprehensive, full coverage, gap coverage, rental expense and optional towing and labor coverage. The company offers personal auto coverage that includes bodily injury liability, property damage liability, personal injury protection, underinsured or uninsured motorist coverage and medical payments coverage.

There are special auto insurance coverage options such as accident forgiveness, roadside assistance and vanishing deductible. The variety of coverage options typically appeals to seniors, particularly those seeking coverage beyond basic liability coverage.

Pros
    • Offers variety of coverage options
    • Offers variety of savings and discounts, along with opportunity for assessments so that policyholders receive the most of their savings and discounts
    • Consistently receives A+ ratings for financial strength
    • Offers full range of financial services across the U.S.
Cons
    • Potentially uses third parties when developing insurance credit score
    • All coverage and benefits not available in every state
    • Lists nine factors that potentially influence car insurance costs at Nationwide, with hints that this is not complete list
    • No specific senior discount, with driver education discount for seniors only available in select states

Pricing

Auto insurance costs through Nationwide depends on your that age, where you reside, the car you drive, your driving record, deductible, policy limits and other factors.

There is no senior discount but seniors often qualify for other discounts through Nationwide.

The Bottom Line

Nationwide has the advantages of serving policyholders for several decades and having a strong financial standing. The company seems limited in its discount offerings and offers no specific senior discount.

9. Liberty Mutual Auto Insurance
Ease of use Excellent
Service & Response Excellent
Features & Tech Excellent
Pricing

Overview

Liberty Mutual believes that getting the best price includes getting the best value for your money. The company believes that auto insurance policyholders should only pay for what they need. This is likely of considerable importance to seniors shopping for car insurance.

Liberty Mutual offers standard coverage such as bodily injury liability, property damage and medical payments. The company offers add-ons, including optional collision, comprehensive and towing and labor coverage. Policyholders also have the option of adding uninsured motorist coverage, accident forgiveness and lifetime repair guarantee.

Pros
    • Offers outstanding variety of auto insurance products
    • Offers 24/7 customer service
    • Features 12-month rate guarantee
    • Offers several auto insurance discounts
Cons
    • No specific senior discount
    • Discounts limited based on offerings by some other auto insurance companies
    • Website not as comprehensive as some other companies
    • Takes up to 10 minutes to receive online quote

Pricing

Costs related to auto insurance at Liberty Mutual vary based on your particular needs and coverage choices. Your deductible, premium, liability and limit of liability affect your auto insurance pricing at Liberty Mutual.

The Bottom Line

Although Liberty Mutual offers discounts, there are limited opportunities for lowering auto insurance. There is no senior discount, a potential disappointment for seniors seeking budget-friendly auto insurance. Call the company to receive a quote, likely faster than online quotes.

10. Esurance Auto Insurance
Ease of use Excellent
Service & Response Excellent
Features & Tech Excellent
Pricing

Overview

Esurance makes it easy for individuals needing auto insurance to find the right policy at the best price. They offer assistance from a Coverage Counselor that helps determine the right coverage for policyholders.

The company offers standard liability coverage, along with vehicle-based and medical coverage options. Add on collision and comprehensive coverage, along with emergency roadside service coverage, rental car coverage, personal injury protection or other options.

Esurance offers considerably more discounts on auto insurance compared to some other major companies, including multi-policy discount, multi-car discount, homeowners discount, and Switch & Save discount.

Pros
    • Offers Coverage Counselor and CoverageMyWay tool to help seniors find the best coverage for their needs
    • Offers outstanding variety of discounts
    • Has A+ financial rating
    • Site indicates that Esurance settles most auto damage claims in 10 days or less
Cons
    • Senior discount only for seniors completing defensive driver or driving improvement course
    • All discounts not available in all areas
    • Does not serve every state

Pricing

Costs of auto insurance with Esurance varies based on typical factors such as your driving record, your vehicle, deductible, premiums, and your coverage needs. Taking advantage of deductibles lowers your costs.

The Bottom Line

Esurance offers a variety of auto insurance options with several available discounts. Coverage tools helps seniors learn their best options that potentially helps further reduce costs.

Seniors and Driving

Seniors are more active than seniors of previous generations. Seniors drive longer and research shows they drive safer longer. Consumer Reports contributor Michael  Tortorello reveals that more than 3.5 million individuals over the age of 80 currently hold a valid driver’s license.

While some seniors choose to drive longer, others face some complications related to driving longer. A primary issue is the fact that seniors often have no other way of getting around. Lack of public transportation or lack of ability to access other transportation options due to mobility, illness or other factors sometimes force seniors to drive longer.

Seniors need to turn to available resources, including family or friends if experiencing complications from medical conditions, medications, problems with vision or other issues when driving.

Driving as a senior offers outstanding opportunities to stay active and maintain friendships and community relationships as long as the senior is still able to drive.

Why is Auto Insurance Important to Seniors?

Auto insurance is important to seniors because the law in nearly every area requires that drivers obtain and maintain auto insurance. While minimum liability is the only requirement, it is important that seniors consider other options, which substantially lowers their costs if involved in an accident.

Seniors often take pride in obeying the law, which likely means they take pride in having the right amount of auto insurance for their specific needs.

Do Seniors Have to Pay More Even Though They Drive Less?

Some beliefs about the cost of auto insurance for seniors are fact-based, while others are simply myths. The National Association of Insurance Commissioners reveals that some discounts are specifically for seniors that limit their driving, or that drive only during daytime hours.

Mature or senior drivers often have opportunities for auto insurance discounts. Considering that many auto insurance companies provide a discount for seniors, offer a defensive driver course discount and opportunities for bundling multiple types of coverage and offer other savings opportunities, some seniors actually save on auto insurance, compared to younger drivers.

Take advantage of your driving experience, safe driving record, and limited time behind the wheel to discover how seniors often pay less, not more, for auto insurance.