The Best Auto Insurance for Seniors in 2024

State Farm doesn't have offerings that cater specifically to seniors, but it's one of the best options for them anyway because it handles everything well. State Farm offers a wide range of coverages for its auto policies, including rental insurance, rideshare insurance, and emergency roadside service. It's an industry leader in customer satisfaction, and it has a nationwide network of 19,000 agents to complement its online account management tools.

State Farm is the largest property and casualty insurance company in the U.S., with over $70 billion in premiums written. It also takes the top spot for auto insurance. State Farm is ranked No. 1 in overall customer satisfaction, according to J.D. Power's 2022 U.S. Auto Insurance Study for the Southwest. It ranked in the top five for 8 out of the 10 remaining regions and ranked second for four of the regions.

State Farm has an AM Best rating of A++ (Superior), which shows its ability to pay claims, debts, and other financial obligations. It is one of the few life insurance companies to receive AM Best's highest ranking. State Farm's NAIC complaint index, which shows how many complaints it has received relative to its market share, is 1.18, one of lowest on this list.

Geico is known for offering cheap car insurance to seniors in just about every state. Though it doesn't have a senior discount, it still has the lowest rate at $960 per year. Geico also offers drivers many ways to save on their premiums. The company is also transparent about how much each discount will lower a driver's rates.

Geico doesn't offer as many optional protections as some of its competitors, but it provides all the basics a driver would expect. Most seniors should be able to find the coverage they're looking for here.

Few insurers can match Allstate in terms of customization. It offers a number of coverage options that go beyond the basics to help each driver build a policy that suits them. Some of these options, including roadside assistance and rental reimbursement coverage, may be especially appealing to seniors who travel frequently.

Allstate's rates aren't typically as competitive as those of some insurers listed here, but seniors who qualify for some of Allstate's many discounts may secure an affordable premium.

Nationwide could prove to be an affordable option for seniors with clean driving records. It offers safe driving discounts, as well as discounts for drivers who enroll in its monitoring program. Plus, there's a "Vanishing Deductible" option for those who go one or more policy periods without an accident. Nationwide also offers optional features such as accident forgiveness and total loss deductible waiver.

Nationwide's selection of policy options is pretty comprehensive, and it's one of the few car insurance providers offering gap coverage. This pays off a driver's lease or loan if their car is totaled. This could provide huge peace of mind for seniors on a fixed income. In addition, Nationwide offers those over 55 a defensive driving discount, safe driver discount, and flexible rate based on how much you drive. So seniors who drive less can save even more.

The Hartford is a popular choice for those seeking car insurance for seniors. It offers flexible policies with extras you won't find anywhere else, plus some of the best claims satisfaction in the industry. But these policies are only available to AARP members. Since 1984, AARP has teamed up with The Hartford to offer discounts up to 10%. AARP members also get coverage like disappearing deductible, an optional coverage, which reduces the collision deductible on your car insurance policy over time, as long as you maintain a clean driving record.

Joining AARP is an extra hoop to jump through, but those who purchase a car insurance policy from The Hartford will probably find it worthwhile. In addition to basic protections for vehicles, they also get perks like RecoverCare, which helps pay for daily tasks for drivers recovering from car-accident injuries. Customers can also contact The Hartford for assistance finding a repair shop.

USAA is always the runaway favorite for veterans, military members, and their families. Although USAA doesn't offer senior discounts, it's known for offering affordable rates as well as its customer service. In most customer satisfaction surveys, it bests every other company featured. It's only available to military members, veterans, and their family members, though. Those who don't fall into one of these groups will have to explore other options for their auto insurance.

Not only does it offer the lowest rates, but USAA would also be ranked No. 1 in virtually all areas of the U.S. in J.D. Power's customer service rankings. Because it doesn't meet its award criteria, J.D. Power gives USAA a score but does not include it in the rankings. Most USAA members report high satisfaction with the financial service provider, with the majority of people with USAA membership purchasing multiple products.