How much is car insurance for 75-year-old drivers?
Male drivers who are 75 years old spend about $2,048 each year on insurance, while female drivers the same age pay around $1,971. Driving history and where you live also strongly influence premiums. Young drivers usually face higher costs because they lack experience, but rates decrease as they get older and build a safe record.
While age plays a major role in determining car insurance rates, most states also consider gender. Men usually pay higher rates than women because statistics show they take more risks and experience more injuries.
If you live in California, Hawaii, Massachusetts, Michigan, North Carolina, or Pennsylvania, car insurance companies cannot use gender to determine rates.
| Gender | Average annual premium | Average monthly premium |
|---|---|---|
| Male | $2,048 | $171 |
| Female | $1,971 | $164 |
Average car insurance for 75-year-old drivers by company
Nationwide offers the cheapest car insurance for a 75-year-old driver at $1,557 per year. The company you choose for a 75-year-old driver affects how much you pay for car insurance.
The cheapest company for 75-year-old -
- Male drivers: Nationwide at $1,615 a year.
- Female drivers: Nationwide at $1,499 per year.
| Company | Average premium | Annual premium for male | Annual premium for female |
|---|---|---|---|
| Nationwide | $1,557 | $1,615 | $1,499 |
| Travelers | $1,735 | $1,806 | $1,664 |
| GEICO | $1,931 | $1,950 | $1,913 |
| State Farm | $1,971 | $1,972 | $1,971 |
| Progressive | $2,189 | $2,304 | $2,074 |
| Farmers | $2,434 | $2,527 | $2,336 |
| Allstate | $2,647 | $2,666 | $2,629 |
| USAA | $1,533 | $1,557 | $1,509 |
Best car insurance for 75-year-old driver
We reviewed leading car insurance providers to identify the best policies for 75-year-old drivers.
Our findings show:
- Travelers ranks first, offering average yearly premiums of $1,735.
- Nationwide stands out as the second-strongest option.
| Company name | AM Best | NAIC | Survey score | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | 0.52 | 4.41 | $1,735 | 4.6 |
| Nationwide | A | 0.63 | 4.52 | $1,557 | 4.6 |
| Auto-Owners | A+ | 0.54 | 4.42 | $1,654 | 4.58 |
| Erie Insurance | A+ | 0.89 | 4.47 | $1,715 | 4.51 |
| GEICO | A++ | 0.69 | 4.43 | $1,931 | 4.45 |
| State Farm | A++ | 0.79 | 4.52 | $1,971 | 4.44 |
| Progressive | A+ | 0.71 | 4.4 | $2,189 | 4.16 |
| American Family | A | 0.34 | 3.99 | $1,963 | 4.13 |
| Amica | A+ | 0.75 | 4.68 | $2,419 | 4.1 |
| Farmers | A | 0.86 | 4.41 | $2,434 | 3.87 |
| Allstate | A+ | 1.1 | 4.36 | $2,647 | 3.75 |
| USAA | A++ | 1.18 | 4.71 | $1,533 | 4.76 |
Average car insurance for 75-year-olds by state
States require different levels of car insurance, which affects the cost of coverage. As a result, 75-year-old rates can vary significantly by location.
For 75-year-old male drivers:
- Maine is the cheapest state, offering coverage at $1,147 annually.
- Florida is the most expensive state, where rates average $2,932 per year.
For 75-year-old female drivers:
- Maine provides the lowest average yearly premium at $1,123 yearly.
- Louisiana has the highest annual cost, averaging $2,791 a year.
Check the table below to see average car insurance rates for 75-year-olds in your state.
| State | Average annual male premium | Average annual female premium |
|---|---|---|
| Alaska | $1,958 | $1,822 |
| Alabama | $2,052 | $1,918 |
| Arkansas | $2,127 | $1,984 |
| Arizona | $2,088 | $1,961 |
| California | $2,573 | $2,570 |
| Colorado | $2,559 | $2,474 |
| Connecticut | $2,033 | $1,959 |
| Washington, D.C. | $2,475 | $2,373 |
| Delaware | $2,256 | $2,281 |
| Florida | $2,932 | $2,713 |
| Georgia | $2,288 | $2,177 |
| Hawaii | $1,517 | $1,517 |
| Iowa | $1,606 | $1,504 |
| Idaho | $1,592 | $1,516 |
| Illinois | $1,672 | $1,609 |
| Indiana | $1,680 | $1,577 |
| Kansas | $1,931 | $1,798 |
| Kentucky | $2,448 | $2,346 |
| Louisiana | $2,807 | $2,791 |
| Massachusetts | $1,596 | $1,596 |
| Maryland | $1,875 | $1,816 |
| Maine | $1,147 | $1,123 |
| Michigan | $2,523 | $2,523 |
| Minnesota | $2,049 | $2,021 |
| Missouri | $2,067 | $1,981 |
| Mississippi | $2,206 | $2,075 |
| Montana | $2,320 | $2,219 |
| North Carolina | $1,775 | $1,775 |
| North Dakota | $1,864 | $1,621 |
| Nebraska | $1,841 | $1,768 |
| New Hampshire | $1,475 | $1,423 |
| New Jersey | $2,111 | $2,063 |
| New Mexico | $2,223 | $2,127 |
| Nevada | $2,296 | $2,333 |
| New York | $2,091 | $2,069 |
| Ohio | $1,618 | $1,538 |
| Oklahoma | $2,255 | $2,114 |
| Oregon | $1,898 | $1,799 |
| Pennsylvania | $2,082 | $2,080 |
| Rhode Island | $2,284 | $2,255 |
| South Carolina | $2,277 | $2,183 |
| South Dakota | $2,143 | $2,004 |
| Tennessee | $1,884 | $1,757 |
| Texas | $2,100 | $2,000 |
| Utah | $2,175 | $2,041 |
| Virginia | $1,820 | $1,625 |
| Vermont | $1,486 | $1,464 |
| Washington | $1,891 | $1,809 |
| Wisconsin | $1,803 | $1,696 |
| West Virginia | $2,170 | $2,116 |
| Wyoming | $1,871 | $1,716 |
Average car insurance cost vs. teens
Car insurance premiums typically decrease with age and driving experience. For instance, a 25-year-old generally pays far less than a 16-year-old.
The table below shows average rates by age group, making it easy to compare costs for 75-year-olds with drivers of other ages.
| Company Group | Teens (16-19) | Young Adults (20-24) | Adults (25-60) | Seniors (65-75) |
|---|---|---|---|---|
| Allstate | $7,437 | $3,754 | $2,509 | $2,477 |
| Farmers | $8,348 | $3,602 | $2,336 | $2,290 |
| GEICO | $5,049 | $2,647 | $1,776 | $1,787 |
| Nationwide | $5,285 | $2,556 | $1,533 | $1,456 |
| Progressive | $7,174 | $3,242 | $2,009 | $2,000 |
| State Farm | $5,368 | $3,179 | $1,985 | $1,858 |
| Travelers | $4,834 | $2,476 | $1,615 | $1,590 |
| USAA | $4,385 | $2,159 | $1,406 | $1,400 |
Methodology
Rates are fielded in partnership with Quadrant Information Services across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Data is further filtered to reflect:
- Specific driver age
- Rates for a driver added as a third driver on an existing policy with two parents
Learn more about our data and methodology.
Auto insurance FAQs
What car insurance discounts are there for 75-year-olds?
75-year-old drivers can qualify for many car insurance discounts, including good driver, claims-free, paperless billing, bundling and usage-based discounts.
Why does age affect car insurance rates?
Age is correlated with experience, as most drivers are licensed in their teens. It's also correlated with responsible behavior; older drivers tend to take fewer risks.
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