- The average cost of car insurance for a 65-year-old driver in Massachusetts is $1,430 per year for a full coverage policy.
- According to CarInsurance.com’s research, a 70-year-old driver in Massachusetts pays 5% 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 Massachusetts pays 10% 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.
Drivers typically see an increase in car insurance rates starting at age 65, according to CarInsurance.com data. The Centers for Disease Control and Prevention reports that older drivers have higher fatal crash rates than those aged 35 to 54.
Even though rates may rise, seniors can still find good car insurance deals. Our guide will help find the most affordable rates for senior drivers in Massachusetts and suggest other ways to save on your auto insurance premiums.
Cheapest car insurance companies for seniors in Massachusetts
Here are the most affordable full coverage car insurance rates in Massachusetts for drivers of different ages:
- Overall cheapest car insurance for seniors over 60: State Farm, $44 per month.
- Cheapest for seniors at age 65: State Farm, $44 per month.
- Cheapest for seniors at age 70: State Farm, $44 per month.
- Cheapest for seniors at age 75: State Farm, $44 per month.
Compare cheap car insurance quotes for senior drivers in Massachusetts
Below are the cheapest Massachusetts 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.
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 Massachusetts?
Car insurance tends to become more expensive for older drivers due to several factors. Statistics show that seniors, on average, tend to be involved in more accidents than younger drivers (excluding teens).
Despite decades of driving experience, older drivers face age-related problems like hearing or vision loss, slower reflexes, side effects from medication and other health concerns that make driving more challenging.
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, older drivers are more likely to need medical treatment even after a minor accident, and steep hospital expenses contribute to an overall increase in insurance rates.
“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 Massachusetts is $1,430 for a full coverage policy. Drivers age 70 pay $1,501 for the same coverage.
70-year-old drivers pay 5% more for full coverage than 65-year-olds and 75-year-old drivers pays 10% more for a full coverage policy
The table below highlights the annual average rate increases for senior drivers in Massachusetts based on age and different coverage levels:
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $424 | $545 | $1,430 |
| 70 | $445 | $576 | $1,501 |
| 75 | $478 | $619 | $1,596 |
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
Speak with a friendly agent and get your quote in minutes!
Cheapest car insurance for seniors with tickets in Massachusetts
A speeding ticket or other moving violation will increase your insurance premiums regardless of age. Insurers value statistics, and the data show that drivers who have tickets are more likely to be involved in accidents that might lead to claims.
The rate hike will differ between insurance companies, but Massachusetts drivers can expect a 24% increase in their premiums after receiving a speeding ticket for driving 1-29 mph over the limit.
If you are a senior with a speeding ticket or other minor moving violation on your record, expect to pay more for coverage. When we ran the numbers, these were the best insurance companies for seniors with tickets on their records.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| State Farm | $594 | $50 |
| GEICO | $971 | $81 |
| Safety Insurance | $1,604 | $134 |
| Farmers | $2,084 | $174 |
| Progressive | $2,550 | $213 |
| Travelers | $2,593 | $216 |
| USAA* | $1,282 | $107 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in Massachusetts
A DUI is a major offense, and your insurance rates will rise significantly once it shows on your driving record. In most instances, your premium will double with a DUI. According to CarInsurance.com, in some states, rates can increase by 86% after the first DUI and up to 173% after a second.
After a DUI, finding affordable or any coverage can be difficult, but based on our data, these insurers are the best options for seniors with a DUI in Massachusetts:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| State Farm | $949 | $79 |
| GEICO | $1,587 | $132 |
| Arbella Insurance | $2,172 | $181 |
| Progressive | $2,354 | $196 |
| Travelers | $2,717 | $226 |
| Safety Insurance | $2,873 | $239 |
| Farmers | $3,512 | $293 |
| Allstate | $4,268 | $356 |
| USAA* | $2,685 | $224 |
Cheapest car insurance for seniors after an accident in Massachusetts
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 57% after one at-fault accident with property damage exceeding $2,000.
The increase will typically stay in place for three to five years, so it’s important to find the most affordable insurance company. Our data shows that the following insurers offer the cheapest car insurance for seniors after an accident in Massachusetts.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| State Farm | $785 | $65 |
| GEICO | $1,340 | $112 |
| Arbella Insurance | $1,472 | $123 |
| Safety Insurance | $2,227 | $186 |
| Travelers | $2,798 | $233 |
| Progressive | $2,878 | $240 |
| Farmers | $3,205 | $267 |
| Allstate | $3,396 | $283 |
| USAA* | $1,658 | $138 |
How can seniors save on car insurance in Massachusetts?
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.
Car insurance discounts for senior drivers in Massachusetts
Here are some car insurance discounts to help seniors lower their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Air bags | 2% |
| Anti-theft device | 3% |
| Days advanced purchase | 8% |
| Electronic funds transfer | 4% |
| Electronic signature | 12% |
| Lower annual mileage | 7% |
| Loyalty – years renewal with company | 5% |
| Marital status | 2% |
| Multi policy | 14% |
| Paperless/electronic documents | 3% |
| Payment type | 6% |
| Primary use | 23% |
| Purchase status | 9% |
| Safety devices | 3% |
| Telematics | 7% |
| Years insured | 15% |
| Years licensed | 49% |
Choosing the cheapest and best car insurance for seniors in Massachusetts
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 Massachusetts
Who has the cheapest state minimum auto insurance for seniors in Massachusetts?
Our data show that State Farm provides the cheapest state minimum auto insurance for seniors in Massachusetts, at around $159 per year. Safety Insurance and GEICO also rank highly for affordable state minimum coverage for seniors in Massachusetts.
Which companies offer the cheapest liability car insurance for seniors in Massachusetts?
State Farm offers the cheapest liability car insurance for senior drivers in Massachusetts, with an average annual premium of $208. According to a CarInsurance.com data analysis, GEICO and Plymouth Rock Assurance also provide cheap liability insurance for seniors in Massachusetts.
Does State Farm offer a senior discount in Massachusetts?
State Farm does not offer a senior discount in Massachusetts, but it provides many discounts that seniors can use to lower their premiums. It includes discounts for defensive driving courses, safe driving, long-term customer loyalty, bundling policies and advanced safety feature discounts.
Bottom line
State Farm is the cheapest for senior drivers in Massachusetts. To find the best car insurance rates, seniors should shop around and compare quotes online from various insurers. They can also qualify for discounts by taking defensive driving courses or bundling their car insurance with other types of coverage.
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 February 2026.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed February 2026.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed February 2026.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed February 2026.
Behind the rates: How we analyzed cheapest costs for seniors in Massachusetts
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.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
