How much is car insurance for 60-year-old drivers?

Younger drivers pay more for car insurance due to a lack of experience behind the wheel, and then rates go down with age and experience. On average, 60-year-olds pay $1,717 a year for coverage. However, factors such as location, driving record, and gender also significantly impact rates.

AgeAvearge annual premiumAvearge monthly premium
60$1,717$143

Average car insurance for 60-year-old males vs. females

While age is a significant factor in determining car insurance rates, gender is also considered in most states. Males typically face higher insurance rates than females, largely due to a statistically proven tendency to take more risks and sustain more injuries.

This table compares average car insurance rates for 60-year-old males and females.

If you live in California, Hawaii, Massachusetts, Michigan, North Carolina, or Pennsylvania, car insurance companies can't use gender to determine rates.

AgeAverage annual premiumAverage monthly premium
60-year-old Female$1,707$142
60-year-old Male$1,727$144

Best car insurance for 60-year-old driver

We've compared top insurance companies to see which offers the best coverage for 60-year-old drivers. Our analysis shows that Nationwide is the top pick overall.

Company nameAM BestNAICSurvey scoreAverage annual premiumInsurance.com score
NationwideA+0.664.33$1,3514.51
State FarmA++0.524.27$1,7944.38
GeicoA++0.774.20$1,6644.25
TravelersA++1.034.62$1,4404.24
ProgressiveA+0.734.14$1,7904.05
FarmersA0.773.69$2,0833.49
AllstateA+0.953.78$2,2983.27

Average car insurance cost vs. other ages

As you age and gain more driving experience, car insurance rates decrease. For example, rates for a 25-year-old are significantly cheaper than at 16 years old.

The table below shows average car insurance rates for various age groups, so you can see how rates for 60-year-olds compare to drivers at other ages.

Company GroupTeens (16-19)Young Adults (20-24)Adults (25-60)Seniors (65-75)
Travelers$4,834$2,476$1,615$1,590
Geico$5,049$2,647$1,776$1,787
Nationwide$5,285$2,556$1,533$1,456
State Farm$5,368$3,179$1,985$1,858
Progressive$7,174$3,242$2,009$2,000
Allstate$7,437$3,754$2,509$2,477
Farmers$8,348$3,602$2,336$2,290
USAA$4,385$2,159$1,406$1,400

Average car insurance for 60-year-olds by state

States require different amounts of car insurance, which influences the cost of coverage. Because of this, 60-year-old rates can vary widely by location. Maine has the cheapest coverage for 60-year-olds, and Louisiana has the most expensive.

Check out the table below to see average car insurance rates for 60-year-olds in your state.

StateFull coverage premium
Alaska$1,477
Alabama$1,661
Arkansas$1,709
Arizona$1,631
California$2,257
Colorado$2,153
Connecticut$1,575
Washington, D.C.$2,011
Delaware$1,899
Florida$2,454
Georgia$1,810
Hawaii$1,517
Iowa$1,419
Idaho$1,257
Illinois$1,384
Indiana$1,328
Kansas$1,639
Kentucky$2,017
Louisiana$2,620
Massachusetts$1,624
Maryland$1,592
Maine$1,110
Michigan$2,076
Minnesota$1,673
Missouri$1,782
Mississippi$1,807
Montana$1,929
North Carolina$1,654
North Dakota$1,569
Nebraska$1,660
New Hampshire$1,163
New Jersey$1,743
New Mexico$1,875
Nevada$1,881
New York$1,742
Ohio$1,269
Oklahoma$1,909
Oregon$1,516
Pennsylvania$1,705
Rhode Island$1,905
South Carolina$1,828
South Dakota$1,956
Tennessee$1,489
Texas$1,844
Utah$1,654
Virginia$1,320
Vermont$1,157
Washington$1,504
Wisconsin$1,478
West Virginia$1,797
Wyoming$1,594

Cheapest car insurance for 60-year-olds by company

Rates also vary considerably by company. For example, while one insurance company may consider age the determining rate factor, another may consider driving records more critical. By comparing coverage and rates from multiple companies, you can find the best deal for 60-year-olds, helping to reduce your insurance costs.

The table below compares average car insurance rates for 60-year-olds by company.

CompanyFull coverage premium
Nationwide$1,351
Travelers$1,440
Geico$1,664
Progressive$1,790
State Farm$1,794
Farmers$2,083
Allstate$2,298
USAA$1,266