How much is car insurance for 75-year-old drivers?
75-year-old male drivers pay an average of $2,803 per year, while a female driver of the same age averages $2,681. These figures are averages. Your actual rate will be based on your ZIP code, driving record, vehicle, limits, deductibles, insurer, and applicable discounts.
Age is one of the biggest factors in setting car insurance rates, but most states also allow insurers to consider gender. On average, men pay more than women since data shows they take greater risks and are involved in more accidents.
In California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania, auto insurers are not allowed to factor gender into car insurance pricing.
| Gender | Average annual premium | Average monthly premium |
|---|---|---|
| Male | $2,803 | $234 |
| Female | $2,681 | $223 |
Average car insurance for 75-year-old drivers by company
Travelers offers the cheapest average insurance for a driver at 75 years old, at $2,160 annually. Rates vary by insurer because each company uses its own pricing model.
For 75-year-olds, the most affordable options are:
- Male drivers: Travelers with an annual rate of $2,250.
- Female drivers: Travelers with yearly costs of $2,070.
| Company | Annual premium for male | Annual premium for female |
|---|---|---|
| Travelers | $2,250 | $2,070 |
| GEICO | $2,467 | $2,442 |
| Nationwide | $2,642 | $2,432 |
| Progressive | $2,760 | $2,492 |
| State Farm | $2,939 | $2,929 |
| Farmers | $3,419 | $3,177 |
| Allstate | $3,452 | $3,361 |
| USAA | $1,899 | $1,816 |
Best car insurance for 75-year-old driver
Travelers is the best car insurance company for 75-year-old drivers in our analysis and has an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $2,160. GEICO ranks second. Our comparison considers price, company ratings, customer feedback, and overall performance.
Our findings show:
- Travelers ranks first, offering average yearly premiums of $2,160.
- GEICO stands out as the second-strongest option.
| Company name | AM Best | NAIC | Survey score | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | 0.62 | 4.37 | $2,160 | 4.58 |
| GEICO | A++ | 0.60 | 4.27 | $2,455 | 4.41 |
| Nationwide | A | 0.64 | 4.41 | $2,537 | 4.24 |
| Progressive | A+ | 0.60 | 4.15 | $2,626 | 4.19 |
| Amica | A+ | 0.59 | 4.19 | $3,009 | 4.03 |
| State Farm | A+ | 0.87 | 4.38 | $2,934 | 4.02 |
| Allstate | A+ | 1.20 | 4.35 | $3,406 | 3.65 |
| Farmers | A | 1.24 | 4.30 | $3,299 | 3.58 |
| USAA | A++ | 1.16 | 4.55 | $1,858 | 4.58 |
Average car insurance for 75-year-olds by state
Car insurance for 75-year-olds varies widely by state. Each state has its own rules, and costs shift based on accident rates, medical costs, repair prices, weather risks, and insurer competition. Rates range from $1,729 for male drivers in Maine to $4,827 in Nevada.
For 75-year-old male drivers:
- The lowest costs are in Maine, with annual premiums of $1,729 a year.
- The highest costs are in Nevada, where yearly rates average $4,827 annually.
For 75-year-old female drivers:
- Maine provides the lowest average yearly premium at $1,677 yearly.
- Nevada has the highest annual cost, averaging $4,527 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 | $2,339 | $2,397 |
| Alabama | $2,338 | $2,160 |
| Arkansas | $3,118 | $2,818 |
| Arizona | $2,759 | $2,618 |
| California | $3,496 | $3,496 |
| Colorado | $3,589 | $3,413 |
| Connecticut | $3,134 | $3,100 |
| Washington, D.C. | $3,905 | $3,700 |
| Delaware | $3,405 | $3,282 |
| Florida | $4,147 | $3,792 |
| Georgia | $3,401 | $2,875 |
| Hawaii | $1,757 | $1,757 |
| Iowa | $2,602 | $2,393 |
| Idaho | $2,151 | $2,055 |
| Illinois | $2,168 | $2,055 |
| Indiana | $2,068 | $2,007 |
| Kansas | $2,675 | $2,527 |
| Kentucky | $2,831 | $2,708 |
| Louisiana | $3,738 | $3,778 |
| Massachusetts | $2,196 | $2,196 |
| Maryland | $2,110 | $1,964 |
| Maine | $1,729 | $1,677 |
| Michigan | $4,452 | $4,452 |
| Minnesota | $2,651 | $2,584 |
| Missouri | $2,291 | $2,187 |
| Mississippi | $2,804 | $2,630 |
| Montana | $2,903 | $2,780 |
| North Carolina | $2,748 | $2,748 |
| North Dakota | $2,585 | $2,494 |
| Nebraska | $2,372 | $2,185 |
| New Hampshire | $2,061 | $2,000 |
| New Jersey | $3,352 | $3,329 |
| New Mexico | $2,820 | $2,670 |
| Nevada | $4,827 | $4,527 |
| New York | $2,958 | $2,863 |
| Ohio | $2,090 | $1,968 |
| Oklahoma | $3,102 | $2,837 |
| Oregon | $2,173 | $2,093 |
| Pennsylvania | $2,477 | $2,477 |
| Rhode Island | $3,136 | $3,095 |
| South Carolina | $2,786 | $2,694 |
| South Dakota | $2,578 | $2,451 |
| Tennessee | $2,489 | $2,278 |
| Texas | $3,324 | $3,170 |
| Utah | $2,987 | $2,675 |
| Virginia | $2,245 | $2,035 |
| Vermont | $1,779 | $1,709 |
| Washington | $2,793 | $2,694 |
| Wisconsin | $2,694 | $2,585 |
| West Virginia | $2,570 | $2,519 |
| Wyoming | $2,515 | $2,426 |
Average car insurance cost vs. teens
Car insurance for 75-year-olds often costs less than coverage for teens because more experienced drivers tend to have fewer claims. However, age is only one rating factor. A poor driving record, expensive vehicle, high-risk location, or higher coverage limits can offset age-related savings.
For example, a 25-year-old pays much less than a 16-year-old.
The table below lists average car insurance rates for different age groups, so you can see how rates for 75-year-olds stack up against drivers of other ages.
| Company Group | Teens (16-19) | Young Adults (20-24) | Adults (25-60) | Seniors (65-75) |
|---|---|---|---|---|
| Allstate | $9,659 | $4,714 | $3,144 | $3,170 |
| Farmers | $12,511 | $4,920 | $3,151 | $3,078 |
| GEICO | $6,507 | $3,240 | $2,159 | $2,237 |
| Nationwide | $8,661 | $4,268 | $2,523 | $2,370 |
| Progressive | $9,823 | $4,083 | $2,549 | $2,404 |
| State Farm | $7,981 | $4,586 | $2,883 | $2,745 |
| Travelers | $6,597 | $3,057 | $1,974 | $1,987 |
| USAA | $5,528 | $2,611 | $1,647 | $1,681 |
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.
Frequently asked questions: Car insurance for 75-year-olds
Is full coverage worth it for 75-year-olds?
Full coverage is worth it if your vehicle is financed, leased, or expensive to replace. It adds comprehensive and collision coverageCollision coverage helps pay for repairs or replacement of your car if it's damaged in an accident, regardless of who is at fault and is subject to a deductible. to liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. and pays for damage to your vehicle. For an older, low-value car, compare the annual premium and deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. with the car's current value.
What car insurance discounts are available for 75-year-olds?
Drivers aged 75 may qualify for good-driver, claims-free, multi-car, bundling, automatic payment, paperless billing, and usage-based discounts. Additional savings may apply for safety features, low mileage, or memberships. Ask insurers to apply all discounts before comparing quotes.
Helpful auto insurance tools and calculators
