- The average cost of car insurance for a 65-year-old driver in Arizona is $1,707 per year for a full coverage policy.
- According to CarInsurance.com’s research, a 70-year-old driver in Arizona pays 6% more for full coverage than more for full coverage than a 65-year-old driver.
- Finding the cheapest car insurance for seniors over 70 becomes more important as rates increases significantly. For instance, a 75-year-old driver in Arizona pays 16% more more a full coverage policy than a 65-year-old driver.
- Reviewing and comparing car insurance quotes every six months or at renewal can help you find the most affordable rates.
For drivers, car insurance rates start to increase around age 65, according to CarInsurance.com data. That’s not surprising. Older drivers have higher crash deaths than drivers between the ages of 35 and 54, according to the Centers for Disease Control and Prevention. CDC data also shows that 20 older adults are killed every day in car crashes.
But that doesn’t mean seniors can’t find good deals on car insurance. Our guide will help you find the cheapest rates for seniors in Arizona and learn other ways to save on auto insurance premiums.
Cheapest car insurance companies for seniors in Arizona
Below are the cheapest, full-coverage car insurance rates in Arizona for drivers at various ages:
- Overall cheapest car insurance for seniors over 60: GEICO, $107 per month.
- Cheapest for seniors at age 65: GEICO, $101 per month.
- Cheapest for seniors at age 70: GEICO, $106 per month.
- Cheapest for seniors at age 75: GEICO, $114 per month.
Compare cheap car insurance quotes for senior drivers in Arizona
Below, find the cheapest car insurance rates in Arizona from major insurers for three coverage levels: state minimum, liability-only with limits of 50/100/50 and full coverage with 100/300/100 limits.
Select your age and type of coverage below to see the average annual and monthly rates.
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.
Liability car insurance with limits of 50/100/50 means:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury per accident
- $50,000 per accident for property damage
A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.
Full coverage insurance with limits of 100/300/100 includes higher liability limits:
- $100,000 per person for bodily injury
- $300,000 per accident for bodily injury to multiple people
- $100,000 per accident for property damage
It also typically includes:
- Collision coverage: Pays for damages to your car from a collision.
- Comprehensive coverage: Covers damages to your car from non-collision events (e.g., theft, fire, vandalism).
Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.
Why do car insurance rates increase for senior drivers in Arizona?
As drivers age, car insurance typically becomes more expensive. This is largely because statistics reveal that seniors, on average, are more involved in accidents than younger drivers, excluding teenagers, according to the Insurance Institute for Highway Safety.
While older drivers usually have decades of experience under their belt, they often suffer from age-related hearing or vision loss, slower reflexes, side effects from medicines and other health issues that can make driving more difficult.
The CDC reports that drivers older than 70 have a higher rate of crash fatalities per 1,000 crashes than those aged 35-54. NHTSA statistics reveal that in 2020, senior drivers 65 and older were involved in 13% of fatal accidents, up by 26% since 2011.
In addition, seniors are more likely to require medical care, even after a less severe accident, and expensive hospital bills will increase the insurance cost.
“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.
“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.
According to an analysis by CarInsurance.com, rates start to climb for most senior drivers in their mid-60s and continue to increase from then on.
In Arizona, the average cost for a full coverage policy is $1,707 for a 65-year-old and $1,813 for a 70-year-old.
In Arizona, 70-year-old drivers pay 6% more for full coverage than 65-year-olds and 75-year-olds pay 16% more for a full coverage policy, based on CarInsurance.com data.
Find below the annual average rate increases for senior drivers in Arizona by age and different coverage limits.
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $511 | $773 | $1,707 |
| 70 | $551 | $819 | $1,813 |
| 75 | $631 | $913 | $2,025 |
Coverage types:
- Full coverage: 100/300/100 liability with $500 comp/coll deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage only
Find out how much insurance costs for seniors
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Cheapest car insurance for seniors with tickets in Arizona
A speeding ticket or other moving violation will increase your insurance rates regardless of age. Insurers rely on statistics, which indicate that drivers with a ticket are more likely to be involved in an accident that could lead to a claim.
The rate increase will vary by insurance company, but Arizona drivers can expect a 42% rise in their premiums after receiving a speeding ticket for going 1-29 mph over the limit.
Seniors with a speeding ticket or minor moving violation should expect to pay more for coverage. According to our analysis, the best insurance companies for seniors with tickets are mentioned below.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| State Farm | $2,187 | $182 |
| Travelers | $2,215 | $185 |
| Auto-Owners | $2,281 | $190 |
| GEICO | $2,322 | $194 |
| Nationwide | $2,329 | $194 |
| Progressive | $2,577 | $215 |
| Farmers | $2,897 | $241 |
| Allstate | $3,530 | $294 |
| CSAA Insurance (AAA) | $3,908 | $326 |
| USAA* | $1,902 | $159 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in Arizona
A DUI is a serious driving violation; your insurance rates will soar once it hits your driving record. In most cases, your insurance premium will double if you have a DUI. According to CarInsurance.com in some states, the increase can be as much as 75% after your first DUI. If you manage to rack up a second DUI, the increase could be as much as 155%.
Finding affordable coverage (or any coverage) will become more difficult after a DUI. Still, according to our data, these are the best insurers for seniors with a DUI in Arizona:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| Progressive | $2,183 | $182 |
| State Farm | $2,187 | $182 |
| Travelers | $2,316 | $193 |
| Auto-Owners | $2,672 | $223 |
| GEICO | $2,720 | $227 |
| Nationwide | $3,262 | $272 |
| Allstate | $3,874 | $323 |
| Farmers | $4,235 | $353 |
| CSAA Insurance (AAA) | $5,251 | $438 |
| USAA* | $3,509 | $292 |
Cheapest car insurance for seniors after an accident in Arizona
Just like a ticket or DUI, having an accident on your driving record will push up your insurance rates. The increase will vary by insurance company but according to our data, drivers should expect their premium to jump 62% with one at-fault accident with property damage over $2,000.
Typically, the premium increase remains for three to five years, making it essential to find an affordable insurer. According to our data, the following companies provide the cheapest car insurance for seniors in Arizona after an accident.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| GEICO | $1,821 | $152 |
| Auto-Owners | $2,085 | $174 |
| Travelers | $2,153 | $179 |
| Nationwide | $2,195 | $183 |
| State Farm | $2,364 | $197 |
| Progressive | $3,076 | $256 |
| Allstate | $3,324 | $277 |
| Farmers | $3,611 | $301 |
| CSAA Insurance (AAA) | $4,956 | $413 |
| USAA* | $2,471 | $206 |
How can seniors save on car insurance in Arizona?
Auto insurance for seniors can be costly, but there are several ways to save. Here are some simple ways to lower your premiums:
- Shop around: Regularly comparing car insurance rates – every six months or annually when it’s time to renew – can help you secure the best deal.
- Raise your deductible: Raising your deductible from $500 to $1,000 can save you money each month, but ensure you have the funds available to cover the higher deductible if needed.
- Ask about discounts: Bundling with homeowners insurance, loyalty discounts and discounts for years of being licensed are great ways to save on car insurance. Find more details on discounts below.
Editor’s Tip:Take a senior driving course: With an approved defensive driving course, seniors can save up to 4% on their car insurance in Arizona. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Arizona.
Car insurance discounts for senior drivers in Arizona
Here are some car insurance discounts to help seniors reduce their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Air bags | 1% |
| Anti-theft device | 1% |
| Days advanced purchase | 8% |
| Defensive driver | 4% |
| Education | 3% |
| Electronic funds transfer | 4% |
| Electronic signature | 8% |
| Homeowner | 6% |
| Lower annual mileage | 5% |
| Loyalty – years renewal with company | 14% |
| Marital status | 7% |
| Multi policy | 9% |
| Paperless/electronic documents | 4% |
| Payment type | 7% |
| Primary use | 5% |
| Profession | 15% |
| Safety devices | 3% |
| Telematics | 8% |
| Years insured | 22% |
| Years licensed | 28% |
Choosing the cheapest and best car insurance for seniors in Arizona
Senior drivers pay higher premiums than young adult drivers (excluding teens, of course). To find an affordable policy, assess your needs and determine the right amount of coverage.
When comparing insurance options, consider the cost, customer service and discounts offered. Search for the best auto insurance companies with affordable rates and user-friendly websites or apps.
FAQ: Cheap car insurance for seniors in Arizona
Who has the cheapest state minimum auto insurance for seniors in Arizona?
According to our data, GEICO offers the cheapest state minimum auto insurance for seniors in Arizona at about $420 a year, on average. Auto-Owners and Travelers also scored high when it comes to cheap state minimum insurance coverage for seniors in Arizona.
Which companies offer the cheapest liability car insurance for seniors in Arizona?
GEICO has the cheapest liability car insurance coverage for senior drivers in Arizona at an average annual premium of $594. Auto-Owners and Travelers also offer cheap liability insurance rates to seniors in Arizona, based on CarInsurance.com data analysis.
Does State Farm offer a senior discount in Arizona?
State Farm does not currently offer a senior discount in Arizona, but it does offer quite a few deals that seniors can use to lower their premiums. This includes discounts for taking a defensive driving course, a safe driving discount, long-term customer, bundling and discounts for advanced safety features on your vehicle.
Bottom line
A CarInsurance.com analysis found that GEICO provides the cheapest full-coverage car insurance quotes for senior drivers in Arizona.
Shopping around and comparing online rates from different insurers can help seniors find the best car insurance deals. Additionally, senior drivers might qualify for discounts by taking defensive driving courses or bundling their car insurance with another policy.
Check out how to shop for car insurance for seniors
Resources & Methodology
Additional Resources
There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:
- American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
- AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
- National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
- Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
- Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.
Sources:
- Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed March 2026.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed March 2026.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed March 2026.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed March 2026.
Behind the rates: How we analyzed cheapest costs for seniors in Arizona
CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.
To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.
Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied
- One at-fault property damage accident over $2K
- One at-fault property damage accident under $2K
- At-fault bodily injury accidents
- DUI/DWI first offense.
- Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)
These are sample rates and should only be used for comparison purposes.
Note: USAA is only available to military community members and their families.
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