Compare 60-Year-Old Driver Car Insurance Rates in 2024 (Top 10 Companies)
Compare best companies for 60-year-old driver car insurance rates like Farmers, Travelers, and National General. Discover why they stand out in providing the best rates and coverage options.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Feb 26, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Compare best companies for 60-year-old driver car insurance rates, delving into top companies like Farmers, Travelers, and National General. Consider essential factors influencing rates, including driving record, vehicle type, and online options.
- Farmers, Travelers, and National General are the top car insurance, providers offering unbeatable rates and tailored coverage for 60-year-old drivers.
- Changes in reflexes and eyesight impact insurance rates; companies adjust premiums based on individual risk factors.
- Vehicle choice affects premiums; shopping around and using online tools are crucial for affordable rates tailored to drivers over 60.
For anyone over 60, car insurance rates start to go up. When you were a youngster, borrowing the family car didn’t seem like a big deal. You probably never gave insurance a second thought until the day Mom or Dad told you that it was time you started chipping in for insurance costs.
Company | Rank | See Pros/Cons | Safe Driver Discount | Multi-Policy Discount | Best For |
---|---|---|---|---|---|
#1 | Farmers | Up to 15% | Up to 20% | Military Affiliation | |
#2 | Travelers | Up to 18% | Up to 15% | Personalized Service | |
#3 | National General | Up to 17% | Up to 22% | Snapshot Program | |
#4 | Nationwide | Up to 16% | Up to 19% | Vanishing Deductible | |
#5 | Allstate | Up to 24% | Up to 16% | Drivewise Program | |
#6 | USAA | Up to 20% | Up to 15% | Signal App | |
#7 | Liberty Mutual | Up to 16% | Up to 20% | RightTrack Program | |
#8 | Geico | Up to 15% | Up to 25% | Online Convenience | |
#9 | State Farm | Up to 18% | Up to 20% | IntelliDrive Program | |
#10 | Progressive | Up to 32% | Up to 14% | AARP Partnership |
So you got a job, paid your way, and lived happily ever after, after hitting the age of 25 (which gave you a big drop in your insurance rates). Fast forward to the present day: you hit 65 years of age and are now seeing a big increase in your rates once again!
Indeed, individuals over the age of 60 are considered seniors by the insurance industry. (For more information, read our “Compare Best Car Insurance Companies for Seniors“).
To see just how much age and sex can affect car insurance rates, check out our guide for average rates by age and gender.
Find affordable car insurance quotes by entering your ZIP code now!
#1 – Farmers: Insuring Those Who Serve
Farmers emerges as the champion, offering unbeatable rates and tailored coverage for 60-year-old drivers.
Dani Best Licensed Insurance Producer
Pros
- Military affiliation: Offers specialized benefits and discounts for military personnel.
- Diverse coverage options: Provides a range of coverage options to meet individual needs.
- Strong customer support: Known for responsive and helpful customer service.
Cons
- Potentially higher rates: Some customers may find rates slightly higher than competitors.
- Limited online presence: Online tools and features may not be as advanced as some other providers.
Read more: Farmers Car Insurance Review
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#2 – Travelers: Tailored Protection
Pros
- Personalized service: Emphasizes personalized service and tailored insurance solutions.
- Claim satisfaction: Receives positive reviews for customer satisfaction with the claims process.
- Extensive coverage: Offers a wide range of coverage options.
Cons
- Potentially higher premiums: Premiums may be higher compared to some budget-focused insurers.
- Limited discounts: Some customers might find fewer discount opportunities.
Read more: Travelers Car Insurance Review
#3 – National General: Snapshot Program Unveiled
Pros
- Snapshot program: Utilizes a telematics program (Snapshot) to reward safe driving habits.
- Discount opportunities: Offers various discounts, including those for safe driving.
- User-friendly mobile app: Positive feedback on the user-friendly mobile app.
Cons
- Telematics privacy concerns: Some users may have privacy concerns with telematics tracking.
- Limited availability: This may not be available in all states or regions.
Read more: National General Car Insurance Review
#4 – Nationwide: Vanishing Deductible Feature
Pros
- Vanishing deductible: Provides a feature where deductibles decrease for safe driving.
- Multi-policy discounts: Offers discounts for bundling multiple insurance policies.
- Strong financial standing: Nationwide is a financially stable and reputable insurer.
Cons
- Potentially higher rates: Some customers may find rates on the higher side.
- Limited local agents: Availability of local agents may vary.
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#5 – Allstate: Driving Smart, Saving Big
Pros
- Drivewise program: Rewards safe driving behavior through the Drivewise program.
- User-friendly app: Positive reviews for the user-friendly mobile app.
- Numerous coverage options: Offers a variety of coverage options and add-ons.
Cons
- Potentially higher premiums: Premiums may be higher compared to budget-focused insurers.
- Mixed customer service reviews: Some customers report varied experiences with customer service.
Read more: Allstate Car Insurance Review
#6 – USAA: Commitment With the Signal App
Pros
- Signal app: Utilizes the Signal app for safe driving insights.
- Exceptional customer service: Known for outstanding customer service.
- Military affiliation: Provides specialized coverage for military members and their families.
Cons
- Limited membership: Only available to military personnel and their eligible family members.
- Potentially limited coverage: Some non-military individuals may not qualify for coverage.
Read more: USAA Car Insurance Review
#7 – Liberty Mutual: Advantageous Right Track Program
Pros
- Right track program: Utilizes the RightTrack program for safe driving discounts.
- Customizable Policies: Offers customizable policies to suit individual needs.
- Variety of Discounts: Provides various discount options.
Cons
- Mixed Customer Reviews: Some customers report mixed experiences with customer service.
- Policy Price: Premiums may be relatively higher compared to budget insurers.
Read more: Liberty Mutual Car Insurance Review
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#8 – Geico: Online Convenience Revolution
Pros
- Online convenience: Stands out for user-friendly online tools and convenient processes.
- Wide range of discounts: Offers a variety of discounts for policyholders.
- Financial strength: Geico is a financially stable and well-established insurer.
Cons
- Potentially higher rates: Some drivers may find rates higher compared to competitors.
- Limited local agents: Personalized in-person assistance may be limited.
Read more: Geico Car Insurance Review
#9 – State Farm: Navigate Savings With Intellidrive
Pros
- Intellidrive program: Offers the IntelliDrive program for safe driving discounts.
- Extensive local agents: Features a vast network of local agents for personalized assistance.
- Diverse coverage options: Provides a comprehensive range of coverage options.
Cons
- Premiums may vary: Rates can vary, and some customers may find them higher.
- Mixed reviews for claims: Some customers report mixed experiences with the claims process.
Read more: State Farm Car Insurance Review
#10 – Progressive: AARP Partnership – Drive, Save, Thrive
Pros
- AARP partnership: Partners with AARP to offer exclusive benefits and discounts.
- Snapshot program: Utilizes the Snapshot program for personalized rates.
- User-friendly app: Positive feedback on the user-friendly mobile app.
Cons
- Potentially higher premiums: Rates may be on the higher side for certain individuals.
- Mixed customer reviews: Some customers report mixed experiences with customer service.
Read more: Progressive Car Insurance Review
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Car Insurance Rates for 60-Year-Old Driver: Unveiling Coverage Insights
Car insurance rates for a 60-year-old driver vary across different insurance companies, providing insight into the cost of both minimum and full coverage.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Farmers | $50 | $128 |
Travelers | $35 | $90 |
National General | $58 | $149 |
Nationwide | $41 | $104 |
Allstate | $60 | $154 |
USAA | $21 | $53 |
Liberty Mutual | $64 | $159 |
Geico | $29 | $74 |
State Farm | $30 | $76 |
Progressive | $36 | $95 |
Among the surveyed companies, USAA emerges as the most affordable option, with rates as low as $21 for minimum coverage and $53 for full coverage. This suggests that USAA is a cost-effective choice for older drivers seeking comprehensive protection. On the other end of the spectrum, Liberty Mutual exhibits the highest rates, charging $64 for minimum coverage and $159 for full coverage.
The data underscores the importance of comparing insurance options, as there is a significant disparity in rates. In conclusion, understanding the specific coverage rates for a 60-year-old driver is crucial for making informed decisions and securing an insurance plan that aligns with both financial considerations and comprehensive protection needs.
How to Get a Discount on Over 60 Car Insurance Policies
If you have years of experience behind the wheel, you may feel outraged that your premium rate is increasing. It’s nothing personal, and this hike usually has nothing to do with your driving ability.
Insurance companies use statistics and averages to help ensure a yearly profit business.
As we get older, things start to change. Our reflexes may not be as fast as they once were and our eyesight may gradually become worse. These factors make seniors have higher rates due to statistics suggesting that seniors are a higher risk on the road.
. If the statistics aren’t in your favor, the rates go up to compensate that extra risk.
However, if you are a good driver, sharp as a tack, and with a clean driving record then you can expect to be rewarded with a discount.
If you are looking to lower your rates, and you do have a blemish or two on your record, you can attend driving safety courses. These can sometimes help remove past errors from the record, which may lower your premiums.
The next step is to find an insurance company that recognizes your good driving history and perceives your lower-than-average risk. Use your age to your advantage by getting senior discounts through companies like the AARP.
You can also ask about senior discounts through your insurance agency. It never hurts to ask about discounts you may qualify for because if you don’t ask, you never know!
Over 60, Car Insurance, and the Make of the Vehicle
Another major factor that will decide the price of your premiums is the type of car you drive and how often you drive it. If you have a super sporty little number, you can’t avoid high premiums.
If you really want to lower your rates, you may consider trading that new car in for something less costly to insure.
If you aren’t sure which cars cost less to insure, you can call an agent and discuss your options. The amount of time you drive your car is also a major factor. If you are retired now or working less than full time, you may save money with low mileage discounts.
If you are driving a paid off car that you’ve had for many years, you may be able to lower your premiums by removing unnecessary coverage. The comprehensive coverage policy may not be needed.
If you are driving the newest of the new, be sure to report all the safety features you have, such as:
- Alarm systems
- Side air bags
- Automatic seat belts
- Anti-theft devices
Keeping your car in a garage instead of parking it on the street can also bring down premium rates.
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Over 60 Car Insurance and the Online Option
The best thing you can do to find discounts for people over 60 for car insurance is to shop around. Don’t go with the very first quote you get.
You can still call the top car insurance agencies in your area and speak to a representative if you like speaking to a live person. You can also try going online and comparing the prices of different companies all at once.
See what the best rates are, but be sure to read exactly what is and isn’t covered before you sign on the dotted line. You can find affordable rates if you search for discounts and comparison shop.
Just enter your zip code into our comparison tool to get started looking for car insurance quotes today!
Unveiling Real Insights: Case Studies Analysis for 60-Year-Old Drivers
Case Study One: Farmers – Championing Affordable Coverage for Experienced Drivers
Farmers Insurance has built a strong reputation over the years, focusing on reliability and customer-centric services. With an influx of 60-year-old drivers seeking insurance, Farmers aimed to distinguish itself by offering unbeatable rates and tailored coverage.
Farmers implemented a comprehensive strategy, considering driving records, vehicle types, and online options. The emphasis on cost-effective choices for older drivers seeking comprehensive protection led to their success.
Farmers emerged as the champion among top car insurance providers, with rates that resonated with 60-year-old drivers. The company’s commitment to ensuring those who serve and understanding the specific needs of older drivers contributed to its success.
Case Study Two: Travelers – Tailoring Protection for the Mature Driver
Travelers Insurance, known for its tailored protection, has a track record of addressing diverse customer needs. In a competitive market, Travelers aimed to position itself as the preferred choice for 60-year-old drivers seeking customized coverage.
Travelers focused on understanding the unique requirements of older drivers and tailored their insurance offerings accordingly. The emphasis was on flexibility and options that addressed the specific concerns of drivers aged 60 and above.
Travelers successfully positioned itself as a top choice for 60-year-old drivers by providing tailored protection. The company’s commitment to understanding and addressing the needs of older drivers contributed to its positive reputation.
Case Study Three: National General – Innovating With the Snapshot Program
National General, with a significant presence in the insurance industry, sought to differentiate itself through innovation. National General aimed to stand out by unveiling the Snapshot Program, providing cutting-edge solutions for 60-year-old drivers.
The Snapshot Program, introduced by the National General, incorporated advanced technology to assess driving behavior. This program aimed to offer personalized rates based on individual driving habits, aligning with the preferences of older drivers.
National General’s Snapshot Program garnered attention, contributing to the company’s success in attracting 60-year-old drivers. The innovative approach to insurance, coupled with personalized rates, positioned National General as a competitive choice.
Frequently Asked Questions
Why do car insurance rates increase for drivers over 60?
Car insurance rates increase for drivers over 60 because insurance companies consider them higher-risk individuals due to factors like changes in reflexes and eyesight. As individuals age, certain physical changes may impact their driving abilities, leading insurers to adjust rates to account for potential increased risk.
How can I get a discount on car insurance if I’m over 60?
You can get a discount on car insurance if you’re over 60 by maintaining a clean driving record, attending driving safety courses, and seeking out insurance companies that offer discounts for seniors. Good driving habits and a commitment to safety can contribute to lower premiums, and some insurers specifically offer discounts for older drivers.
Does the type of vehicle I drive affect my car insurance rates if I’m over 60?
Yes, the type of vehicle you drive can affect your car insurance rates if you’re over 60. Trading in a high-performance car for a less costly-to-insure vehicle and reporting safety features can help lower your premiums. The make and model of your car, as well as its safety features, play a role in determining insurance rates for drivers in this age group.
Should I compare quotes from different insurance companies?
Yes, it’s recommended to compare quotes from different insurance companies to find the best rates. Shopping around and comparing prices can help you find affordable car insurance options tailored to your specific needs. Different insurers may offer varying discounts and coverage options, so comparing quotes ensures you make an informed decision.
How can I compare car insurance quotes?
You can compare car insurance quotes by contacting insurance agencies directly or by using online comparison tools. Many insurers provide online tools that allow you to enter your information and receive quotes from multiple companies. Additionally, speaking to insurance agents directly can help you understand the specifics of each policy and make an informed comparison.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.