Car insurance premiums start to climb for drivers at around age 65. According to the Centers for Disease Control and Prevention, older drivers have a higher rate of fatal crashes than those aged 35 to 54.

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 Florida and learn other ways to save on auto insurance premiums.

CarInsurance.com Insights
  • The average cost of car insurance for a 65-year-old driver in Florida is $2,477 per year for a full coverage policy.
  • According to CarInsurance.com’s research, a 70-year-old driver in Florida 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 Florida pays 12% 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.

Cheapest car insurance companies for seniors in Florida

Find the cheapest full coverage car insurance rates in Florida for drivers of different ages below.

  • Overall cheapest car insurance for seniors over 60: GEICO, $170 per month.
  • Cheapest for seniors at age 65: State Farm, $163 per month.
  • Cheapest for seniors at age 70: GEICO, $166 per month.
  • Cheapest for seniors at age 75: GEICO, $180 per month.

Compare cheap car insurance quotes for senior drivers in Florida

Below are the cheapest Florida rates the major car insurance companies offer for three different coverage levels: The state minimum, liability-only coverage with limits of 50/100/50 and full coverage car insurance with liability limits of 100/300/100.

Rates by companies for seniors in Florida

Select your age and type of coverage below to see the average annual and monthly rates.

Results for age 60 and the following coverage level: full coverage
Company NameAvg. Annual PremiumAvg. Monthly Premium
 
Coverage types:
  • 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:

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 Florida?

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.

Although older drivers typically have many years of experience on the road, they often face age-related challenges such as hearing or vision loss, slower reflexes, medication side effects and other health issues that can complicate driving.

According to the CDC, drivers aged over 70 have higher crash death rates per 1,000 crashes compared to those aged 35-54. NHTSA data also shows that in 2020, senior drivers 65 and older were involved in 13% of fatal accidents, marking a 26% increase 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.

All of this leads to higher car insurance rates. Car insurance premiums go up for most senior drivers in their mid-60s, according to CarInsurance.com data analysis, and then continue to climb. The average car insurance cost for a 65-year-old driver in Florida is $2,477 for a full coverage policy. Drivers age 70 pay $2,617 for the same coverage.

CarInsurance.com found that 70-year-old drivers pay 6% more for full coverage than 65-year-old drivers in Florida, and 75-year-old drivers pay 12% more for a full coverage policy.

The table below shows the annual average rate increase for senior drivers by age in Florida for different coverage levels:

Chart
Table
AgeState minimumLiability onlyFull coverage
65$910$1,503$2,477
70$960$1,574$2,617
75$1,068$1,720$2,824

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

Cheapest car insurance for seniors with tickets in Florida

A speeding ticket or other moving violation will raise your insurance rates regardless of your age. Insurers love statistics, and data show that a driver with a ticket on their record is more likely to get in an accident that may result in a claim.

The rate increase will vary by insurance company, but Florida drivers can expect a 37% 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.

CompanyAnnual rates with 1 speeding ticketMonthly rates with 1 speeding ticket
State Farm$2,100$175
GEICO$2,983$249
Nationwide$3,155$263
Travelers$3,353$279
National General$3,531$294
Progressive$3,556$296
Mercury Insurance$4,556$380
Farmers$5,019$418

Cheapest car insurance for seniors with DUIs in Florida

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 63% after your first DUI. If you manage to rack up a second DUI, the increase could be as much as 146%.

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 Florida:

CompanyAnnual rates with DUI first offenseMonthly rates with DUI first offense
State Farm$2,100$175
Progressive$3,000$250
National General$3,041$253
Travelers$3,531$294
GEICO$3,612$301
Allstate$4,376$365
Nationwide$4,418$368
Mercury Insurance$5,532$461
Farmers$7,694$641

Cheapest car insurance for seniors after an accident in Florida

Much like a ticket or DUI, having an accident on your driving record will raise your insurance rates. While the increase varies by insurer, our data show that drivers can expect their premium to jump by 56% after one at-fault accident with property damage exceeding $2,000.

The increase will generally be in effect for three to five years, so it’s essential to seek the most affordable insurance provider. Below, these insurers offer the cheapest car insurance rates for seniors after an accident in Florida.

CompanyAnnual rates with 1 at-fault accidentMonthly rates with 1 at-fault accident
State Farm$2,258$188
GEICO$2,871$239
Nationwide$2,885$240
Travelers$3,208$267
National General$3,884$324
Progressive$4,102$342
Farmers$4,647$387
Allstate$5,910$493
Mercury Insurance$6,374$531

How can seniors save on car insurance in Florida?

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. 

Tip iconEditor’s Tip:

Take a senior driving course: With an approved defensive driving course, seniors can save up to 3% on their car insurance in Florida. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Florida.

Car insurance discounts for senior drivers in Florida

Here are some car insurance discounts to help seniors reduce their insurance costs.

Discount typePotential annual savings
Air bags2%
Days advanced purchase5%
Defensive driver3%
Education5%
Electronic funds transfer3%
Electronic signature10%
Homeowner5%
Lower annual mileage6%
Loyalty – years renewal with company7%
Marital status6%
Multi policy8%
Paperless/electronic documents3%
Payment type10%
Primary use8%
Profession16%
Purchase status5%
Safety devices3%
Telematics10%
Years insured22%
Years licensed22%

Choosing the cheapest and best car insurance for seniors in Florida

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 Florida

Collapse allExpand all

Who has the cheapest state minimum auto insurance for seniors in Florida?

Based on our data, $518 offers the lowest state minimum auto insurance rates for seniors in Florida, at $518 yearly. State Farm and Travelers also provide affordable rates on state minimum coverage for seniors in Florida.

Which companies offer the cheapest liability car insurance for seniors in Florida?

According to CarInsurance.com, GEICO offers the cheapest liability car insurance for seniors in Florida at $1,096 per year. State Farm and Travelers also offer inexpensive rates.

Does State Farm offer a senior discount in Florida?

State Farm doesn’t offer a specific senior discount in Florida, but it provides several discounts that seniors can use to reduce their insurance rates. These include discounts for completing a defensive driving course, safe driving, being a long-term customer, bundling policies and vehicle advanced safety features.

Bottom line

GEICO offers the cheapest car insurance quotes for senior drivers in Florida for a full coverage policy, based on a CarInsurance.com analysis.

By shopping around and comparing rates online from different insurers, seniors can find the best deal on their car insurance. Additionally, senior drivers could qualify for discounts by taking defensive driving courses or bundling their car insurance with other types of insurance.

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:

  1. American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
  2. 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.
  3. 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.
  4. Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
  5. Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.

Sources:

  1. Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed July 2025.
  2. Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed July 2025.
  3. National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed July 2025.
  4. National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed July 2025.

Behind the rates: How we analyzed cheapest costs for seniors in Florida

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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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.