- The average cost of car insurance for a 65-year-old driver in Texas is $1,799 per year for a full coverage policy.
- According to CarInsurance.com’s research, a 70-year-old driver in Texas 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 Texas 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.
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 Texas and learn other ways to save on auto insurance premiums.
Cheapest car insurance companies for seniors in Texas
Find the cheapest full coverage car insurance rates in Texas for drivers of different ages below.
- Overall cheapest car insurance for seniors over 60: Texas Farm Bureau, $89 per month.
- Cheapest for seniors at age 65: Texas Farm Bureau, $88 per month.
- Cheapest for seniors at age 70: Texas Farm Bureau, $88 per month.
- Cheapest for seniors at age 75: Texas Farm Bureau, $92 per month.
Compare cheap car insurance quotes for senior drivers in Texas
Below, find the cheapest car insurance rates in Texas 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 Texas?
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 found that drivers older than 70 have higher crash death rates per 1,000 crashes than drivers aged 35-54 and NHTSA statistics show that senior drivers 65 and older were involved in 13% of fatal accidents in 2020, which is up 26% from 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.
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 Texas, the average cost for a full coverage policy is $1,799 for a 65-year-old and $1,897 for a 70-year-old.
70-year-old drivers pay 5% more for full coverage than 65-year-olds and 75-year-old drivers pays 12% more for a full coverage policy
The table below highlights the annual average rate increases for senior drivers in Texas based on age and different coverage levels:
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $507 | $709 | $1,799 |
| 70 | $551 | $760 | $1,897 |
| 75 | $616 | $832 | $2,050 |
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 Texas
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.
While the increase will vary by the insurance company, according to CarInsurance.com, Texas, drivers can expect their rates to go up 32% after a speeding ticket that is 1-29 mph over the limit.
Seniors who have a speeding ticket or minor moving violation can expect increased insurance costs. Based on our analysis, the best insurance providers for seniors with tickets are shown in the table below.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| Nationwide | $1,702 | $142 |
| GEICO | $2,428 | $202 |
| Auto Club Enterprises (AAA) | $2,756 | $230 |
| Progressive | $3,870 | $323 |
| USAA* | $1,891 | $158 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in Texas
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 62% after your first DUI. If you manage to rack up a second DUI, the increase could be as much as 122%.
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 Texas:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| GEICO | $2,735 | $228 |
| State Farm | $2,815 | $235 |
| Auto Club Enterprises (AAA) | $3,074 | $256 |
| Nationwide | $3,174 | $265 |
| Progressive | $3,289 | $274 |
| Allstate | $4,189 | $349 |
| USAA* | $2,521 | $210 |
Cheapest car insurance for seniors after an accident in Texas
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 81% 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 Texas.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| State Farm | $2,041 | $170 |
| GEICO | $2,326 | $194 |
| Nationwide | $2,398 | $200 |
| Auto Club Enterprises (AAA) | $3,055 | $255 |
| Allstate | $4,203 | $350 |
| Progressive | $4,550 | $379 |
| USAA* | $2,906 | $242 |
How can seniors save on car insurance in Texas?
Auto insurance for seniors can be expensive, but there are ways to save. The following are easy ways to reduce your premiums:
- Shop around: Shopping regularly for car insurance – every six months or yearly around renewal time – can ensure you have the best price.
- Raise your deductible: Increasing your deductible from $500 to $1,000 can save you a bit of money every month – but make sure you have the necessary funds to cover the higher deductible.
- Ask about discounts: Discounts – bundling with homeowners insurance, loyalty discounts and discounts for years of being licensed – are a great way to save on your car insurance. More 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 Texas. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Texas.
Car insurance discounts for senior drivers in Texas
Here are some car insurance discounts to help seniors lower their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Air bags | 2% |
| Anti-theft device | 1% |
| Daily commute | 7% |
| Days advanced purchase | 6% |
| Days per week driven | 10% |
| Defensive driver | 4% |
| Education | 6% |
| Electronic funds transfer | 5% |
| Electronic signature | 8% |
| Homeowner | 6% |
| Lower annual mileage | 6% |
| Loyalty – years renewal with company | 11% |
| Marital status | 9% |
| Multi policy | 9% |
| Paperless/electronic documents | 2% |
| Payment type | 10% |
| Primary use | 9% |
| Profession | 10% |
| Safety devices | 4% |
| Telematics | 10% |
| Vehicle ownership | 5% |
| Years insured | 16% |
| Years licensed | 19% |
Choosing the cheapest and best car insurance for seniors in Texas
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 Texas
Who has the cheapest state minimum auto insurance for seniors in Texas?
Based on our data, $330 offers the lowest state minimum auto insurance rates for seniors in Texas, at $330 yearly. State Farm and GEICO also provide affordable rates on state minimum coverage for seniors in Texas.
Which companies offer the cheapest liability car insurance for seniors in Texas?
According to CarInsurance.com, Texas Farm Bureau offers the cheapest liability car insurance for seniors in Texas at $421 per year. State Farm and GEICO also offer inexpensive rates.
Does State Farm offer a senior discount in Texas?
State Farm doesn’t offer a specific senior discount in Texas, 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
Texas Farm Bureau is the cheapest for senior drivers in Texas. 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 Texas
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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