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 North Carolina and learn other ways to save on auto insurance premiums.
- In North Carolina, a 65-year-old driver can expect to pay an average of $1,679 annually for full coverage car insurance.
- In North Carolina, a 70-year-old driver’s car insurance rates are 4% more for full coverage than for a 65-year-old driver.
- A 75-year-old driver in North Carolina pays 5% 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 North Carolina
Here are the most affordable full coverage car insurance rates in North Carolina for drivers of different ages:
- Cheapest for seniors, overall: Erie Insurance, $97 per month.
- Cheapest for seniors at age 65: Erie Insurance, $88 per month.
- Cheapest for seniors at age 70: Erie Insurance, $99 per month.
- Cheapest for seniors at age 75: Erie Insurance, $104 per month.
Compare cheap car insurance quotes for senior drivers in North Carolina
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
Full coverage 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.
Below, find the cheapest car insurance rates in North Carolina 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.
| Company Name | Avg. Annual Premium | Avg. Monthly Premium |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Why do car insurance rates increase for senior drivers in North Carolina?
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).
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.
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.
This leads to higher car insurance costs. CarInsurance.com’s data show that premiums rise for most senior drivers starting in their mid-60s and keep increasing. In North Carolina, a full coverage policy costs an average of $1,679 for a 65-year-old driver, while a 70-year-old driver pays $1,740.
CarInsurance.com found that 70-year-old drivers pay 4% more for full coverage than 65-year-old drivers in North Carolina, and 75-year-old drivers pay 5% more for a full coverage policy.
The table below shows the annual average rate increase for senior drivers by age in North Carolina for different coverage levels:
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $476 | $521 | $1,679 |
| 70 | $490 | $536 | $1,740 |
| 75 | $502 | $548 | $1,775 |
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 North Carolina
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 hike will differ between insurance companies, but North Carolina drivers can expect a 47% increase in their premiums after receiving a speeding ticket for driving 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 | $1,613 | $134 |
| Erie Insurance | $1,647 | $137 |
| North Carolina Farm Bureau | $1,661 | $138 |
| Nationwide | $1,920 | $160 |
| Geico | $2,353 | $196 |
| Progressive | $2,837 | $236 |
| Farmers | $2,856 | $238 |
| Allstate | $4,001 | $333 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in North Carolina
A DUI is a serious offense and your insurance rates will skyrocket once it appears on your driving record. Typically, your insurance premium will double after a DUI. According to our data, in some states, the increase can be as high as 317% after your first DUI. If you get a second DUI, the insurance rates could increase by 318%.
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 North Carolina:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| State Farm | $4,299 | $358 |
| Erie Insurance | $4,430 | $369 |
| Nationwide | $5,089 | $424 |
| Geico | $6,656 | $555 |
| North Carolina Farm Bureau | $6,955 | $580 |
| Progressive | $7,524 | $627 |
| Farmers | $7,656 | $638 |
| Allstate | $10,839 | $903 |
Cheapest car insurance for seniors after an accident in North Carolina
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 67% with one at-fault accident with property damage over $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 North Carolina.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| State Farm | $1,660 | $138 |
| Erie Insurance | $1,694 | $141 |
| North Carolina Farm Bureau | $1,710 | $143 |
| Nationwide | $2,612 | $218 |
| Progressive | $2,917 | $243 |
| Farmers | $2,938 | $245 |
| Geico | $3,359 | $280 |
| Allstate | $5,089 | $424 |
How can seniors save on car insurance in North Carolina?
While auto insurance for seniors can be costly, there are ways to save. Here are some simple steps to lower your premiums:
- Shop around: Comparing car insurance quotes every six months or annually around renewal time can help you find the best deal.
- Raise your deductible: By increasing your deductible from $500 to $1,000, you can reduce your monthly premiums. However, make sure you have enough savings to cover the higher deductible.
- Ask about discounts: Discounts, such as bundling with homeowners insurance, loyalty discounts and years of being licensed, are excellent ways to reduce your car insurance costs. Learn more about discounts below.
Car insurance discounts for senior drivers in North Carolina
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% |
| Daily commute | 2% |
| Days advanced purchase | 9% |
| Education | 14% |
| Electronic funds transfer | 6% |
| Homeowner | 3% |
| Loyalty – years renewal with company | 14% |
| Marital status | 7% |
| Multi policy | 8% |
| Paperless/electronic documents | 2% |
| Payment type | 6% |
| Primary use | 19% |
| Profession | 10% |
| Safety devices | 1% |
| Telematics | 11% |
| Years insured | 14% |
| Years licensed | 48% |
Choosing the cheapest and best car insurance for seniors in North Carolina
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 North Carolina
Who has the cheapest state minimum auto insurance for seniors in North Carolina?
According to our data, Erie Insurance offers the cheapest state minimum auto insurance for seniors in North Carolina at about $331 a year, on average. North Carolina Farm Bureau and State Farm also scored high when it comes to cheap state minimum insurance coverage for seniors in North Carolina.
Which companies offer the cheapest liability car insurance for seniors in North Carolina?
Erie Insurance has the cheapest liability car insurance coverage for senior drivers in North Carolina at an average annual premium of $369. North Carolina Farm Bureau and State Farm also offer cheap liability insurance rates to seniors in North Carolina, based on CarInsurance.com data analysis.
Does State Farm offer a senior discount in North Carolina?
State Farm does not currently offer a senior discount in North Carolina, 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 Erie Insurance provides the cheapest full-coverage car insurance quotes for senior drivers in North Carolina.
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 2025.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed March 2025.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed March 2025.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed March 2025.
Methodology
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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