Cheap Auto Insurance for 60-Year-Old Drivers in 2025 (Secure Low Rates With These 10 Companies)
Erie, Geico, and State Farm are the top providers of cheap auto insurance for 60-year-old drivers, with starting rates at $21/month. These companies offer low prices, a variety of coverage options, and excellent customer service, making them great choices for drivers who want to save and have dependable support.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Mar 6, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Mar 6, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
19,116 reviewsCompany Facts
Full Coverage for Drivers Over 60
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,760 reviewsCompany Facts
Full Coverage for Drivers Over 60
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviewsErie, Geico, and State Farm offer the best cheap auto insurance for 60-year-old drivers, starting at $21 monthly.
Erie offers low premiums and great customer service. Geico provides competitive rates and easy online tools. State Farm combines affordable prices with personalized support for drivers. Read more about our “Average Auto Insurance Rates by Age and Gender” for more details.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $21 | A+ | 24/7 Support | Erie |
 | #2 | $29 | A++ | Custom Plan | Geico |
 | #3 | $30 | B | Many Discounts | State Farm |
 | #4 | $31 | A | Online App | AAA |
 | #5 | $36 | A+ | Innovative Programs | Progressive |
 | #6 | $40 | A | Student Savings | American Family |
 | #7 | $44 | A+ | Customer Service | Amica |
 | #8 | $50 | A | Local Agents | Farmers |
 | #9 | $60 | A+ | Add-on Coverages | Allstate |
 | #10 | $64 | A | Customizable Polices | Liberty Mutual |
These top providers balance affordability, quality, and tailored coverage for 60-year-old drivers.
Find your cheapest auto insurance quotes by entering your ZIP code into our free comparison tool.
- Find cheap auto insurance for 60-year-old drivers, starting at $21/month
- Erie offers affordable premiums and excellent service tailored for 60-year-olds
- Affordable rates and tailored coverage meet the needs of 60-year-old drivers
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#1 – Erie: Top Overall Pick
Pros
- Affordable Rates: Erie offers cheap auto insurance for 60-year-old drivers with cheapest rates as low as $21 per month.
- Senior Discounts: Erie provides special discounts tailored for senior drivers, helping reduce premiums.
- Excellent Customer Service: Erie has a strong reputation for responsive, helpful customer service. (Read More: Bundling Home and Auto Insurance With Erie).
Cons
- Limited Coverage Options: Erie might not offer as many coverage options as larger providers, eventhough inexpensive.
- Regional Availability: Erie’s availability may be limited in certain areas, restricting coverage options for some drivers.
#2 – Geico: Best for Custom Plan
Pros
- Affordable Rates: Geico offers affordable auto insurance for drivers aged 60 years old, starting at $29 per month.
- Online Management: Online website and mobile application to handle policies easily by the elders at Geico.
- Safe Driver Discounts: Geico offers discounts for safe driving, helping seniors save even more.
Cons
- Limited Local Agents: Geico has fewer local agents than other providers, which may be inconvenient for some.
- Customer Service Wait Times: Some customers have reported longer-than-expected wait times for customer service. See more in our guide, “Geico Auto Insurance Review.“
#3 – State Farm: Best for Many Discounts
Pros
- Affordable Rates: State Farm offers cheap auto insurance for 60-year-old drivers starting at $30 per month.
- Personalized Coverage: State Farm provides personalized coverage options for seniors according to their needs. View more in our guide, “State Farm Insurance Review.“
- Strong Reputation: State Farm has a very good reputation regarding its excellence in high customer care and satisfaction levels.
Cons
- Higher Premiums for Full Coverage: While affordable for basic coverage, full coverage options may come with higher premiums.
- Limited Online Tools: State Farm’s digital tools are not as advanced as some competitors, which may inconvenience tech-savvy drivers.
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#4 – AAA: Best for Online App
Pros
- Affordable Rates: AAA offers cheap auto insurance for 60-year-old drivers starting at $31 per month.
- Roadside Assistance: AAA provides excellent roadside assistance as part of its coverage, a key benefit for seniors. Find out more details in “AAA Insurance Review.“
- Member Discounts: AAA members enjoy additional discounts on auto insurance and other services.
Cons
- Limited Availability: AAA’s coverage AAA’s coverage have limiting options in some drivers and may also not be available in all states.
- Higher Premiums for Certain Coverage Types: Premiums might be relatively high for people who demand full or comprehensive coverage.
#5 – Progressive: Best for Innovative Programs
Pros
- Affordable Rates: Progressive offers cheap auto insurance for 60-year-old drivers, starting at $36 monthly.
- Customizable Coverage: Progressive offers flexible coverage for seniors to suit their individual needs. Check out more in our guide, “Progressive Insurance Review.“
- Name Your Price Tool: Name Your Price, by Progressive, helps to find a policy that exactly fits into your budget.
Cons
- Higher Rates for Some Drivers: Drivers with less-than-ideal driving records may face higher rates with Progressive.
- Claims Process Delays: Some drivers report slow claims processing, especially for more complex cases.
#6 – American Family: Best for Student Savings
Pros
- Affordable Rates: American Family offers inexpensive car insurance for 60-year-old drivers, costing at least $40 per month.
- Comprehensive Options: American Family provides different options of coverage and fully comprehensive insurance plans.
- Discounts for Safe Drivers: Safe drivers can benefit from substantial discounts on their premiums.
Cons
- Limited Local Presence: American Family is available in fewer states than some of the larger insurers. Find out more details in “What types of car insurance coverage does American Family Insurance offer?“
- Higher Costs for Additional Coverage: Additional coverage, such as full coverage, may increase premiums significantly.
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#7 – Amica: Best for Customer Service
Pros
- Affordable Rates: Amica provides cheap auto insurance for 60-year-old drivers, starting at $44 monthly.
- Customizable Policies: Amica offers flexible policies that can be adjusted to meet the specific needs of senior drivers.
- Loyalty Discounts: Amica offers loyalty discounts for long-term customers, helping seniors save on their premiums. Learn more in our guide, “Amica Insurance Review.“
Cons
- Higher Initial Rates: While flexible, Amica’s rates may start higher than other insurers.
- Limited Online Tools: Amica’s website and digital tools are less advanced than Geico’s competitors.
#8 – Farmers: Best for Local Agents
Pros
- Affordable Rates: Farmers offers cheap auto insurance for 60-year-old drivers, with rates starting at $50 per month.
- Variety of Discounts: Farmers provides a range of discounts, including multi-policy and safe driver discounts.
- Rewards for Safe Driving: Farmers give safe drivers the benefits of lower premiums and additional perks. Read more in our guide, “Farmers Insurance Review.“
Cons
- Complex Pricing: Farmers’ pricing structure is complex and difficult to understand, especially for the new auto insurance buyer.
- Higher Premiums for Full Coverage: Full and comprehensive cover may attract a higher premium.
#9 – Allstate: Best for Add-on Coverages
Pros
- Affordable Rates: Allstate offers cheap auto insurance for 60-year-old drivers starting at $60 per month.
- Accident Forgiveness: Allstate offers accident forgiveness, which helps seniors keep their premiums low even after the first accident.
- Wide Network of Agents: Allstate’s wide network of agents ensures senior drivers receive personal service.
Cons
- Higher Premiums for Seniors: Allstate’s premiums can be higher than some competitors’ for older drivers. For more information, browse our guide titled “How do I renew my car insurance policy with Allstate?“
- Limited Discounts for New Customers: New customers may not qualify for as many discounts as long-term policyholders.
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#10 – Liberty Mutual: Best for Customizable Policies
Pros
- Affordable Rates: Liberty Mutual offers cheap auto insurance for 60-year-old drivers starting at $64 per month. Check out our guide, “Liberty Mutual Auto Insurance Review.“
- Enhanced Coverage Options: Liberty Mutual provides a range of coverage options, including accident forgiveness and enhanced liability coverage.
- Discounts for Multiple Vehicles: Multiple vehicle discounts help seniors save when insuring more than one car.
Cons
- Higher Base Rates: Liberty Mutual’s base rates may be higher than some of the competition.
- Limited Online Tools: Liberty Mutual’s online platform is less user-friendly than other providers.
Understanding Auto Insurance for Seniors
Car insurance is essential for all drivers, but it becomes even more critical for seniors over 60. Our insurance needs shift as we age due to factors like driving history, location, and vehicle type. Knowing how these elements influence your rates helps you find the cheapest car insurance for seniors over 60 and the best car insurance for 60-year-olds. (Learn More: Best Car Insurance Discounts for Seniors).
60-Year-Old Drivers Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $31 | $77 |
| $60 | $154 |
| $40 | $105 |
| $44 | $140 |
| $21 | $55 |
| $50 | $128 |
| $29 | $74 |
| $64 | $159 |
| $36 | $95 |
| $30 | $76 |
It’s important for 60-year-olds to have a solid understanding of the basics of car insurance. Car insurance is designed to protect them financially in the event of an accident or theft.
It typically includes liability coverage, which pays for damages and injuries you cause to others, and coverage for your vehicle in case of damage or loss. Car insurance gives you peace of mind, knowing you are financially protected in unforeseen circumstances. For seniors, understanding car insurance for 60-year-olds can help save significantly on premiums.
The Basics of Auto Insurance
Age is a critical factor insurers use to determine rates. Seniors often qualify for cheap car insurance for 60-year-olds due to a clean driving history and years of experience. Older drivers statistically have fewer accidents, which insurers reward with lower premiums. Those seeking car insurance for over 60s should also consider location, as urban areas with higher traffic may increase rates. Rural settings, however, often translate to cheap auto insurance for seniors.
Statistically, older drivers have fewer accidents than younger drivers, which can translate into lower insurance premiums. Insurance companies consider the years of experience and the maturity that comes with age.
The make and model of your vehicle can further influence rates. Safe and reliable cars often qualify for cheap car insurance over 60, especially when equipped with modern safety features.
Age Matters in Auto Insurance
Age is one of car insurers’ most significant factors when computing rates. While older drivers statistically have fewer accidents, other factors are also involved. Changes due to aging, such as slower reaction times and declines in vision or hearing, can impact the ability to drive and raise the risk of accidents. Insurance companies factor these risks into their rate-setting for older drivers.
However, not all aging drivers decline in their driving skills. Many elderly people continue to drive safely and responsibly even later. With a good record for driving and doing things that ensure health and sharpness on the road, older drivers will still be eligible for insurance at lower rates. These facts show insurers that age does not automatically translate to a greater risk.
Car Insurance Discounts From the Top Providers for 60-Year-Old Drivers| Insurance Company | Discount Program |
|---|---|
| Multi-Policy, Safe Driver, Good Student, Homeowner, Defensive Driving Discounts |
| Drivewise, Multi-Policy, Anti-Theft, Good Student, Early Signing, Claim-Free Discounts |
| Smart Start, Multi-Policy, Safe Driver, Defensive Driving, Homeowner Discounts |
| Loyalty, Multi-Line, Good Student, Defensive Driving, Paid in Full, Vehicle Safety Discounts |
| Multi-Policy, Safe Driver, Young Driver, Defensive Driving, Paid in Full Discounts |
| Signal App, Good Student, Multi-Policy, Vehicle Safety, Claims-Free Discounts |
| DriveEasy, Military, Good Student, Multi-Policy, Vehicle Safety, Anti-Theft Discounts |
| RightTrack, New Vehicle, Multi-Policy, Good Student, Claims-Free, Vehicle Safety Discounts |
| Snapshot, Multi-Policy, Homeowner, Good Student, Paid in Full, Claims-Free Discounts |
| Drive Safe & Save, Good Student, Multi-Policy, Defensive Driving, Claims-Free Discounts |
Besides, many insurance companies provide special discounts and benefits for senior drivers. Mature Driver Discounts, for instance, can be provided to drivers who have completed defensive driving courses; hence, a reduction in those insurance premiums.
Age impacts insurance rates, but not all senior drivers experience higher premiums. Seniors with good health and a clean driving record can enjoy cheap car insurance 60 plus. Additionally, many companies offer discounts tailored to senior drivers, such as mature driver discounts for completing defensive driving courses.
Factors Affecting Auto Insurance Rates for 60-Year-Olds
While age is important, several other variables can impact your car insurance rates as a 60-year-old driver. Let’s explore some of these factors:
Driving History
One of the first factors an insurer looks into is your driving history. You will likely get lower insurance rates if you have a clean driving record with few or no claims or violations. So, as a 60-year-old driver, all these years of experience can help you save money. Insurance companies tend to consider older drivers more responsible and experienced, which may translate into a reduction in premiums.
However, a history of accidents or traffic violations means you pay more. Insurance companies consider your history as showing that you are a higher-risk driver. If you have had a history of accidents or traffic violations, insurance companies might consider you as being more of a risk and pay more for coverage. For additional details, see our “Auto Insurance.”
Location
Where you live can also affect your car insurance rates. Insurance companies may charge you more for coverage if you reside in an area with high rates of accidents or vehicle theft. This is because insurers assess the risk associated with your location. Live in a populated urban area with heavy traffic and a higher likelihood of accidents. Your premiums may be higher than those living in a rural area with less traffic congestion.
Scott W. Johnson Licensed Insurance Agent
Conversely, living in a low-crime area with less traffic congestion can help keep your premiums affordable. Insurance companies consider the overall risk associated with your location, including the crime rate and the likelihood of accidents. Insurers may offer you lower rates if you live in a safe neighborhood with minimal accidents.
Vehicle Type
The type of car you use also determines your rates for car insurance. The older one is, they tend to use more reliable and safe cars that will result in lower premiums. These are just some of the factors that insurance companies consider when ascertaining your rates based on your vehicle’s make, model, and age.
Also, if your vehicle is equipped with high-quality safety features such as anti-lock brakes, airbags, or a backup camera, you can enjoy additional discounts on your car insurance.
Indeed, those safety features decrease the danger of accidents or limit their severity, making it much safer to insure. And so, at 60 years old, you may receive cheap insurance rates if your vehicle is equipped with high-quality safety features.
Remember that while the foregoing factors can impact the car insurance costs of 60-year-old motorists, each insurance company applies a formula and criteria to determine the premium quote they will receive. Thus, it always makes sense to shop around to compare quotes from many insurers and get the right insurance and rate for one’s needs and budget.
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Tips to Get Cheap Auto Insurance for 60-Year-Old Drivers
Now that we have a better understanding of the factors that affect car insurance rates for seniors, let’s explore some actionable tips to help you save money on your premiums:
As a 60-year-old driver, you would probably have several years of experience driving and a good record. Insurance companies may use such factors in establishing car insurance rates. Nonetheless, there are other ways in which you can help cut down on your premiums further and enjoy cheap car insurance.
Shop Around for the Best Rates
The rates provided by different providers can vary greatly. Therefore, it is best to compare quotes from multiple companies. Use online comparison tools or an independent insurance agent to get the best coverage options at the cheapest prices.
When shopping for car insurance, consider the cost and coverage offered. While it may be tempting to go for the cheapest policy, it is important to ensure that you have adequate coverage to protect yourself and your vehicle in case of an accident.
Consider a Higher Deductible
Choosing a higher deductible can lower your car insurance costs. The deductible is the amount you must pay before your insurance covers the rest. Picking a higher deductible means paying more if you have an accident, but your monthly premiums will be less. Make sure the deductible is an amount you can afford if needed.
Before increasing your deductible, evaluate your current financial situation. Consider your savings, income, and ability to cover unexpected expenses. It’s important to balance a higher deductible with financial security.
Take Advantage of Discounts
Many insurance companies offer various discounts that can help lower your premiums. As a 60-year-old driver, you may qualify for discounts such as mature driver discounts, safe driver discounts, or discounts for completing defensive driving courses. These discounts are often available to individuals with responsible driving habits and a commitment to safe driving practices.
When shopping for car insurance, be sure to inquire about these opportunities. Insurance agents can provide information on the discounts available and help you determine which ones you may be eligible for. These discounts can result in significant savings on your car insurance premiums.
In conclusion, getting cheap car insurance as a 60-year-old driver is possible by taking proactive steps such as shopping around for the best rates, considering a higher deductible, and taking advantage of available discounts. By implementing these strategies, you can find affordable coverage that meets your needs while keeping your premiums manageable. Check out our “Get Low Cost Car Insurance with Driver Discounts.“
Top Auto Insurance Companies for 60-Year-Old Drivers
When choosing the right car insurance company, there are several factors to consider. Reputation, customer service, and claims handling are just a few key elements that can make a significant difference in your overall experience. As a 60-year-old driver, you want to ensure you have the best coverage possible, tailored to your specific needs and preferences.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
Let’s take a closer look at three top car insurance companies that cater to 60-year-old drivers:
Erie Review
Erie offers the cheapest car insurance for 60-year-olds with low rates and excellent service. Features like accident forgiveness and roadside assistance make it an ideal choice for car insurance for seniors over 60. Erie’s accident forgiveness program ensures premiums won’t increase after the first accident, providing cost stability for retirees.
In addition, saving is made available to seniors through flexible payment options and discounts for bundling auto and home policies due to affordability while balancing fixed incomes. Erie also caters to part-time drivers with policies designed for lower annual mileage, a common situation for most seniors.
Its medical payments and personal injury protection coverage options provide additional financial security in the event of accidents, covering possible medical expenses. With a reputation for excellent customer service and competitive rates, Erie offers reliable and senior-friendly auto insurance coverage.
Geico Review
Geico combines competitive rates with senior-specific benefits, making it a top option for cheap car insurance for seniors over 60. Discounts for bundling and low-mileage drivers help reduce costs further.
Geico also caters to seniors who drive less, with flexible coverage options that may lower premiums. Discounts for bundling auto and home insurance add more savings. With competitive rates and strong customer satisfaction, Geico is a great choice for affordable, dependable, senior-focused car insurance.
State Farm Review
State Farm is a top choice for 60-year-old drivers due to its senior-friendly features and reliable service. It offers roadside assistance with towing, tire changes, fuel delivery, and lockout help, perfect for those who travel or take road trips. State Farm provides the best full-coverage car insurance for seniors with customizable options, accident forgiveness, and discounts for safe driving habits.
It’s no joke how much money you can save when you bundle with the Personal Price Plan®. It is pretty funny though. 😁 pic.twitter.com/COhT4EGKg0
— State Farm (@StateFarm) December 10, 2024
State Farm’s accident forgiveness protects loyal customers from rate hikes after their first accident, which is great for those on a fixed income. Seniors can also bundle home and auto insurance for extra savings and convenience. With flexible coverage options and high customer satisfaction, State Farm is a reliable option for older drivers.
Learn More: Can I bundle my State Farm car insurance with other policies?
Case Studies: Cheap Auto Insurance for 60-Year-Old Drivers
Below are three case studies of a 60-year-old who attained low-budget auto insurance rates from Erie, Geico, and State Farm. These real cases showcase why these companies could be appropriate for senior clients seeking cheap automobile insurance.
- Case Study #1 – Erie Insurance: A 60-year-old driver in Ohio opted for Erie for starting coverage at $21/month. Discounts for seniors and extraordinary customer service were given and ensured the most affordable but reliable insurance from Erie for the driver. Integrating low premiums and caring personalization made Erie the premier choice for this driver.
- Case Study #2 – Geico: A 60-year-old driver in Florida would be attracted to the $29/month auto insurance offered by Geico. Digital tools and discounts for safe driving helped the driver maintain low costs with good control over policy management. Geico’s ease and competitive rates were two main reasons this company became great for the driver.
- Case Study #3 – State Farm: State Farm provided $30/month coverage for a 60-year-old driver in California. Personalized service and flexible policy options help keep costs low. Because State Farm is known for fine customer care, it stood out as the top company for this senior driver to consider.
These case studies show how Erie, Geico, and State Farm offer the best coverage for 60-year-old drivers, starting at $21/month. Each company has the best of both worlds, being affordable and providing great customer service. To gain additional insights, check out our “How do I know if I chose the right coverages?”
Kristine Lee Licensed Insurance Agent
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
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Frequently Asked Questions
What is the cheapest auto insurance for 60-year-old drivers?
The cheapest auto insurance for 60-year-old drivers often comes from Erie, offering rates as low as $21 per month. Check our guide, “What You Should Know About Auto Insurance.”
Why is Erie a top pick for 60-year-old drivers?
Erie provides affordable premiums, excellent customer satisfaction, and tailored coverage for senior drivers. Enter your ZIP code to explore which companies have the cheapest auto insurance rates for you.
How can 60-year-old drivers get the best insurance rates?
To secure the best rates, maintain a clean driving record, bundle policies, and ask about senior discounts.
Are there specific discounts for 60-year-old drivers?
Yes, many insurers offer senior discounts, safe driving bonuses, and bundling discounts for lower premiums. Dive into our article “Best Good Payer Car Insurance Discounts” for more information.
Do older drivers need full coverage insurance?
It depends on individual needs, but full coverage is recommended for financial protection in case of accidents.
Can 60-year-old drivers save with usage-based insurance?
Yes, pay-as-you-drive programs can lower premiums if you drive fewer miles or exhibit safe driving habits.
Is Geico a good option for 60-year-old drivers?
Geico is known for competitive rates, user-friendly online tools, and accessible policy management for seniors. Learn more in our article “What types of car insurance coverage does Geico offer?”
How does State Farm support senior drivers?
State Farm offers personalized service, multi-policy discounts, and flexible coverage options ideal for older drivers.
What factors influence insurance rates for 60-year-old drivers?
Rates depend on driving record, vehicle type, location, and the coverage options selected.
Read More: Do I need multiple policies to get enough coverage?
Can 60-year-old drivers switch insurance for better rates?
Yes, regularly comparing quotes from providers like Erie, Geico, and State Farm can help find lower premiums. Use our free comparison tool to see what auto insurance quotes look like in your area.
Enter your ZIP code below to compare cheap insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.