Cheap Auto Insurance for Drivers Over 80 in 2025 (Top 8 Companies Ranked)
AAA, State Farm, and Travelers have cheap auto insurance for drivers over 80. AAA offers the cheapest car insurance for 80 year-olds 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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Table of Contents
Table of Contents
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated March 2025
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Min. Coverage for Drivers 80+
A.M. Best
Complaint Level
Pros & Cons
3,027 reviews
18,157 reviewsCompany Facts
Min. Coverage for Drivers 80+
A.M. Best
Complaint Level
Pros & Cons
18,157 reviews
1,734 reviewsCompany Facts
Min. Coverage for Drivers 80+
A.M. Best
Complaint Level
Pros & Cons
1,734 reviewsAAA, State Farm, and Travelers offer 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 car insurance for over 80s, 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 car insurance for over 80 years old.
Take a look at some top companies below.
Our Top 8 Company Picks: Cheap Auto Insurance for Drivers Over 80
| Insurance 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 | 15% | Tailored Policies | The Hartford |
 | #6 | $44 | 40% | Good Drivers | Nationwide |
 | #7 | $53 | 30% | Discount Selection | Farmers |
 | #8 | $61 | 25% | Pay-Per-Mile Rates | Allstate |
Wondering how to find cheap auto insurance companies for senior citizens? Use our free quote tool to quickly find the best companies for cheap car insurance over 80 near you.
- AAA has the cheapest auto insurance for drivers over 80
- State Farm and Travelers also have affordable senior citizen rates
- Comparing rates will help older drivers find the best deal
#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 auto insurance).
Cons
- Membership Fee: Drivers must pay a yearly fee for AAA membership in order to purchase car insurance for seniors over 80.
- AAA Companies Vary: AAA’s over 80 car insurance clubs differ across states, so seniors who move may have to switch clubs.
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#2 – State Farm: Best for Customer Service
Pros
- Customer Service: State Farm’s local agents provide in-person assistance when drivers shop for car insurance for over 80.
- Discounts: One of the reasons State Farm has affordable insurance for drivers over 80 is because of the many State Farm auto insurance 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 auto insurance.
Cons
- Agent-Only Policy Purchases: While you can get quotes from State Farm’s website, seniors over 80s must get car insurance 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 clean car insurance for over 80’s record beforehand.
- High Financial Ratings: Traveler’s strong financial strength means it is better able to keep car insurance for over 85-year-old 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 Travelers auto insurance review).
#4 – Progressive: Best for Budget Shopping
Pros
- Budget Shopping: Seniors on budgets can get the cheapest car insurance for 80-year-olds at Progressive with the Name Your Price tool.
- Accident Forgiveness: Safe drivers may be forgiven for their first at-fault accident at Progressive, a valuable car insurance feature for older drivers.
- Add-On Coverages: Progressive offers rideshare coverage, pet coverage, and more (read about Progressive’s coverage options in our Progressive auto insurance 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 and may not be the best car insurance service for over 80-year-olds.
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#5 – The Hartford: Best for Tailored Policies
Pros
- Tailored Policies: The Hartford’s range of coverages allows seniors to tailor policies to suit their auto insurance needs. Learn about its coverage options in our review of The Hartford auto insurance.
- AARP Discount: The Hartford offers a discount to AARP members, helping drivers get cheaper auto insurance for seniors.
- Accident Forgiveness: The Hartford will forgive qualifying drivers’ first at-fault accidents, which is a valuable car insurance policy for over 80s drivers.
Cons
- Customer Reviews: The Hartford has some negative reviews from customers regarding claims and customer service.
- Best for Seniors: The Hartford does not offer the best rates for drivers over 80 who want to add younger drivers to their policy, such as teenagers.
#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 car insurance options for the elderly through their SmartMiles program for infrequent drivers (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’s cheapest auto insurance rates for seniors over 80 aren’t available in 3 states.
- Customer Satisfaction: Nationwide has some negative customer satisfaction ratings (learn more in our Nationwide auto insurance review).
#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’ insurance for 80-year-olds 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 regarding car insurance for people over 80.
- 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.
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#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 coverage for seniors to choose from. Learn more in our Allstate auto insurance 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. Many seniors wonder, “Does car insurance go up after age 80?” and our research provides clear answers.
Drivers Over 80 Auto Insurance 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 |
Car insurance companies for over 80 evaluate risk differently, which is why comparing quotes is essential. While some companies significantly increase premiums for elderly drivers, others like AAA, State Farm, and Travelers offer cheap car insurance for elderly drivers with competitive rates.
Car insurance for 80+ drivers doesn’t have to be expensive. Many insurers offer discounts for defensive driving courses, vehicle safety features, and bundling policies. The key is comparing car insurance quotes for older drivers from multiple providers to find the best rates.
Auto Insurance Costs for Seniors
If you are having trouble finding affordable insurance for drivers over 80, it may be because of your driving record. As we age, insurance companies scrutinize driving histories more closely when determining senior car insurance rates.
Drivers Over 80 Auto Insurance Monthly Rates by Driving Record & Gender
| 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. This is particularly true for those seeking car insurance for 80-year-olds, as insurers consider older drivers with violations to be higher risk.
A poor driving record will result in higher rates for any driver, regardless of age.Tracey L. Well Licensed Insurance Agent & Agency Owner
In addition to driving records, cheap car insurance rates for seniors vary by state. For example, the cheapest car insurance in Florida for seniors may differ significantly from rates in other states due to local regulations, traffic patterns, and claim frequencies.
Drivers Over 80 Auto Insurance Monthly Rates by State & Gender
| State | Age: 80 Male | Age: 80 Female | Age: 85 Male | Age: 85 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.
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Ways to Save on Auto Insurance for Drivers Over 80
Auto insurance discounts are one of the top ways to save on the best car insurance for seniors over 80. Take a look at some great discounts offered at the cheapest companies below.
Many insurers offer special discounts for cheap car insurance for senior citizens that can significantly reduce premiums.
In some states, you may even be able to get a government-mandated auto insurance discount for elderly drivers. These programs often provide the cheapest car insurance for over 80s available.
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 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.
Many seniors wonder can a 90 year-old get car insurance at a reasonable rate. The answer is yes, but maintaining good credit helps secure cheap auto insurance for seniors with better rates.
Finding the Cheapest Auto Insurance for Drivers Over 80
Senior drivers often enjoy more affordable rates due to decreased driving time. Learn how to lower your auto insurance rates.
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— Auto Club of SoCal (@AAASoCal) October 17, 2023
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 to find cheap auto insurance for seniors.
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?
The average car insurance rates for 80-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 car insurance for over 80.
Who is cheaper for drivers over 80, Geico or Progressive?
Is Liberty Mutual cheaper than Geico for drivers over 80?
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