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.
- 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.
Cheapest car insurance companies for seniors in Texas
Below are the cheapest, full-coverage car insurance rates in Texas for drivers at various ages:
- 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.
| 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
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?
Insurance rates for older drivers tend to increase due to several factors. Statistics suggest that seniors are more likely to be involved in accidents compared to younger drivers, excluding teen drivers, 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.
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, 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 Texas is $1,799 for a full coverage policy. Drivers age 70 pay $1,897 for the same coverage.
CarInsurance.com found that 70-year-old drivers pay 5% more for full coverage than 65-year-old drivers in Texas, 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 Texas for 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
Cheapest car insurance for seniors with tickets in Texas
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 Texas drivers can expect a 32% 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 |
|---|---|---|
| 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 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 62% after your first DUI. If you get a second DUI, the insurance rates could increase by 122%.
Getting affordable coverage (or any coverage) becomes challenging after a DUI, but our data show these are some affordable insurers 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
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 81% 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 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 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 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
Seniors can take advantage of these car insurance discounts to reduce 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?
According to our data, Texas Farm Bureau offers the cheapest state minimum auto insurance for seniors in Texas at about $330 a year, on average. State Farm and GEICO also scored high when it comes to cheap state minimum insurance coverage for seniors in Texas.
Which companies offer the cheapest liability car insurance for seniors in Texas?
Texas Farm Bureau has the cheapest liability car insurance coverage for senior drivers in Texas at an average annual premium of $421. State Farm and GEICO also offer cheap liability insurance rates to seniors in Texas, based on CarInsurance.com data analysis.
Does State Farm offer a senior discount in Texas?
State Farm does not currently offer a senior discount in Texas, 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
Texas Farm Bureau offers the cheapest car insurance quotes for senior drivers in Texas 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:
- 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 July 2025.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed July 2025.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed July 2025.
- 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 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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