How much is car insurance for 70-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, 70-year-olds pay $1,841 a year for coverage. However, factors such as location, driving record, and gender also significantly impact rates.

AgeAvearge annual premiumAvearge monthly premium
70$1,841$153

Average car insurance for 70-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 70-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
70-year-old Female$1,821$152
70-year-old Male$1,861$155

Best car insurance for 70-year-old driver

We've compared top insurance companies to see which offers the best coverage for 70-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$1,4394.51
State FarmA++0.524.27$1,8384.43
GeicoA++0.774.20$1,7704.25
TravelersA++1.034.62$1,5644.22
ProgressiveA+0.734.14$1,9773.99
FarmersA0.773.69$2,2953.42
AllstateA+0.953.78$2,4303.27

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 70-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 70-year-olds by state

States require different amounts of car insurance, which influences the cost of coverage. Because of this, 70-year-old rates can vary widely by location. Maine has the cheapest coverage for 70-year-olds, and Louisiana has the most expensive.

Check out the table below to see average car insurance rates for 70-year-olds in your state.

StateFull coverage premium
Alaska$1,694
Alabama$1,810
Arkansas$1,887
Arizona$1,813
California$2,416
Colorado$2,318
Connecticut$1,784
Washington, D.C.$2,165
Delaware$2,075
Florida$2,617
Georgia$2,008
Hawaii$1,517
Iowa$1,446
Idaho$1,369
Illinois$1,493
Indiana$1,456
Kansas$1,702
Kentucky$2,183
Louisiana$2,725
Massachusetts$1,501
Maryland$1,801
Maine$1,137
Michigan$2,299
Minnesota$1,793
Missouri$1,862
Mississippi$1,942
Montana$2,080
North Carolina$1,740
North Dakota$1,563
Nebraska$1,708
New Hampshire$1,310
New Jersey$1,968
New Mexico$2,017
Nevada$2,138
New York$1,889
Ohio$1,408
Oklahoma$2,049
Oregon$1,650
Pennsylvania$1,833
Rhode Island$2,131
South Carolina$1,972
South Dakota$1,957
Tennessee$1,641
Texas$1,897
Utah$1,870
Virginia$1,494
Vermont$1,270
Washington$1,663
Wisconsin$1,601
West Virginia$1,924
Wyoming$1,745

Cheapest car insurance for 70-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 70-year-olds, helping to reduce your insurance costs.

The table below compares average car insurance rates for 70-year-olds by company.

CompanyFull coverage premium
Nationwide$1,439
Travelers$1,564
Geico$1,770
State Farm$1,838
Progressive$1,977
Farmers$2,295
Allstate$2,430
USAA$1,378