Best Car Insurance for Senior Drivers in Texas (2026)

Senior drivers in Texas in their 60s pay an average of $100 per month for liability car insurance and $177 for full coverage. But older drivers in their 70s and 80s will likely face higher auto insurance premiums, as accident risks begin to increase.

One of the best ways to find cheap coverage as a senior driver is to compare car insurance quotes online. Here’s what you need to know about car insurance for senior drivers in Texas.

Best car insurance companies for seniors in Texas

If you’re looking for car insurance in Texas, it’s a good idea to shop around and compare quotes from multiple car insurance companies to find the best deal available.

Below, you can learn more about a few of the best car insurance companies for senior drivers in the Lone Star State to help make the research process easier.

State Farm: Best for low rates

Low Rates

Compare Quotes

User Reviews	4.0 7,299 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$57/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$101/mo

Details

Driver Reviews

4.0

Best choice in TexasBased on 16,551 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 reviews from Texas drivers - See all 7,299 State Farm reviews

William

Verified Review

Excellent

Reviewed in Texas on March 26, 2026

State Farm is a good, solid insurance company. Rates are competitive.

Norvell

Verified Review

Average

Reviewed in Texas on March 19, 2026

To add a second vehicle, the price increased, and they are always trying to upsell.

Colette

Verified Review

Love the staff

Reviewed in Texas on March 19, 2026

Very expensive.

Michael

Verified Review

State Farm is overpriced and customer service from agent is lacking

Reviewed in Texas on March 14, 2026

Poor response to billing questions. It takes a week to get answers. Charged a late fee when no bill was received.

Steven

Verified Review

Used to be great

Reviewed in Texas on March 11, 2026

They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.

Johnny

Verified Review

Not worth the money.

Reviewed in Texas on March 7, 2026

The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.

Gordon

Verified Review

Too High Monthly Payments

Reviewed in Texas on March 5, 2026

The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.

Arturo

Verified Review

Expensive Insurance

Reviewed in Texas on March 4, 2026

The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.

Tina

Verified Review

Price is too high

Reviewed in Texas on March 4, 2026

I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is a good option for senior citizens in Texas interested in finding the cheapest car insurance rates. The company offers several insurance endorsements and about a dozen discounts. Customers have the opportunity to bundle auto coverage with other insurance products, like homeowners or renters coverage.

Pros

• Multiple available car insurance discounts

• AM Best financial strength rating of A++ (Excellent)

Cons

• Gap insurance not available

• Accident forgiveness not available

USAA: Best for veterans, military members, and their families

Veterans, Military Members, and Their Families

Compare Quotes

User Reviews	4.9 1,517 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$102/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$180/mo

Details

Driver Reviews

4.9

Best choice in TexasBased on 3,317 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Members of the military community

Outstanding customer service

Competitive rates

Showing 52 reviews from Texas drivers - See all 1,517 USAA reviews

Scott

Verified Review

Way too expensive

Reviewed in Texas on March 29, 2026

Costs double the price of other insurers.

Esther

Verified Review

USAA Auto Insurance

Reviewed in Texas on March 24, 2026

The car insurance is very expensive. It is good insurance if you can afford it, but I am getting to where I can no longer afford it. I am looking around now for good insurance that I can afford and not break the bank. USAA is very good, but it's just too expensive for me.

Charles

Verified Review

Sparks's Review

Reviewed in Texas on March 8, 2026

They are a good company and provide excellent customer service, but they have increased their prices so much! That is my reason for leaving them. We have had them for over 40 years!

Paul

Verified Review

Discount Restrictions

Reviewed in Texas on February 22, 2026

I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.

Alex

Verified Review

Poor

Reviewed in Texas on February 19, 2026

Be careful because they were raising rates on us.

Harvey

Verified Review

Overall Outstanding Service

Reviewed in Texas on February 18, 2026

Excellent and professional service. My minor complaint is that it is somewhat expensive.

William

Verified Review

Excellent

Reviewed in Texas on February 16, 2026

Great service, expensive.

Laura

Verified Review

25+ Years, Only 1 Small Claim

Reviewed in Texas on February 8, 2026

I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.

Edward

Verified Review

What happened to USAA Customer Service?

Reviewed in Texas on January 29, 2026

USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

710

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA offers low-cost car insurance for eligible senior citizens in Texas. To qualify for a car insurance policy from USAA, senior drivers must have a military connection — either as a current or former military member or an eligible family member. USAA’s rates are lower than the national average.

Pros

• Variety of available discounts

• Affordable car insurance rates for veterans, military members, and their families

Cons

• Not all drivers are eligible for insurance coverage

• No physical locations

GEICO: Best for accident forgiveness

Accident Forgiveness

Compare Quotes

User Reviews	4.0 7,536 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$94/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$181/mo

Details

Driver Reviews

4.0

Best choice in TexasBased on 16,802 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 reviews from Texas drivers - See all 7,536 GEICO reviews

Alejandro

Verified Review

They Couldn't Care Less

Reviewed in Texas on March 26, 2026

The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?

Laura

Verified Review

Insurance is Theft

Reviewed in Texas on March 26, 2026

Still costs too much but less than everyone else.

John

Verified Review

Good

Reviewed in Texas on March 21, 2026

I would say I have had an overall good experience.

Jaquelyn

Verified Review

I can't find anything less expensive

Reviewed in Texas on March 18, 2026

Cheapest I have found so far. Have not had a claim, so can't comment on that process.

Bombshell

Verified Review

Up, up, always up!

Reviewed in Texas on March 18, 2026

I would say don't do it! They are increasing my liability and uninsured motorist coverage for a 2005 Nissan Sentra. I'm 57 years old with no tickets or accidents, and yet I'm paying over $170 for not full coverage! It went up! I'm looking for another insurance company.

Israel

Verified Review

Can't Complain

Reviewed in Texas on March 15, 2026

I've been a GEICO customer for twenty years and I have a great relationship with the company. I know you can't compete with them. Amen.

Sharon

Verified Review

A very excellent experience. Great everything.

Reviewed in Texas on March 13, 2026

Excellent company, policies, discounts, and great service. Our agent in San Antonio, TX was top-notch.

Rudy

Verified Review

Look elsewhere

Reviewed in Texas on March 12, 2026

Extremely expensive and no incentive to stay with them.

James

Verified Review

Geico Is Not Cost Efficient

Reviewed in Texas on March 9, 2026

I have used Geico since 2006 on and off, and this will be my last time. They are notorious for raising my premium every renewal time. This very month I paid $188.00, and my renewal for March is $244.47—a fifty-six dollar a month increase on a 2022 Chevrolet Trax. I am on a dire fixed income and cannot afford this. I will never use Geico again. I need cheap insurance with full coverage.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

653

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO is another solid car insurance company worth considering for senior drivers in the state of Texas and elsewhere. Unlike some other insurance companies, GEICO offers eligible Texas drivers the opportunity to earn or purchase accident forgiveness coverage — a benefit that could save you money if you or someone on your policy is in an at-fault accident.

Pros

• Wide range of available discounts for senior drivers 

• User-friendly mobile app and website

Cons

• Guaranteed renewal program for older drivers not available in Texas

• Rideshare and gap insurance not available

Mile Auto: Best for seniors who don’t drive much

seniors who don’t drive much

Compare Quotes

User Reviews	4.5 66 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$74/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$158/mo

Details

Driver Reviews

4.5

Best choice in TexasBased on 193 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 66 Mile Auto reviews

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

If you’re driving less in retirement, Mile Auto’s pay-per-mile coverage may save you some money. Like other usage-based policies, Mile Auto’s insurance charges a low monthly base rate and a per-mile rate, so you only pay for the actual miles you drive each month. Texas is among the handful of states where coverage from Mile Auto is available.

Pros

• Very competitive rates for Texas seniors

• Optional coverages like roadside assistance

Cons

• Doesn’t offer discounts

• Available in only 7 states

Progressive: Best for senior-friendly discounts

senior-friendly discounts

Compare Quotes

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	622
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.7 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$82/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$155/mo

Details

Driver Reviews

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Competitive rates

Easy buying process

Telematics program

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Competitive rates

Easy buying process

Telematics program

Showing 75 reviews from Texas drivers - See all 8,266 Progressive reviews

Deborah

Verified Review

Fair or Unfair

Reviewed in Texas on March 30, 2026

The good thing is that they are available when you have questions. The bad thing is when one of two cars is canceled. The difference was only 1 dollar lower on just one car, which made me think having a second full coverage car only cost a dollar. I did not understand getting charged for 2 cars for 2 months when I only had 1 car and the second was canceled. There was no reimbursement for the extra, and the difference in the premium was unclear.

Edward

Verified Review

Progressive Auto and Home Insurance

Reviewed in Texas on March 27, 2026

Homeowners insurance is too expensive, especially for Progressive coverage. The other coverage was somewhat reasonable.

Latonya

Verified Review

The 1

Reviewed in Texas on March 24, 2026

Too expensive.

Billy

Verified Review

Progressive is too expensive

Reviewed in Texas on March 23, 2026

Too expensive. A 75-year-old widower with no accidents, no tickets, no DUI, and no claims is paying over $300 per month, which is totally ridiculous. Where are all these companies on Facebook and TikTok offering $39 per month for full coverage?

Shelley

Verified Review

Love Jerry

Reviewed in Texas on March 21, 2026

I love my new insurance, saving over $100 a month compared to Progressive.

Royce

Verified Review

Affordable Insurance

Reviewed in Texas on March 16, 2026

Too expensive for liability for my vehicle.

Randy

Verified Review

Insurance Bliss

Reviewed in Texas on March 13, 2026

Affordable coverage. Great claims handling. Quick service and satisfactory results.

Laquisha

Verified Review

Progressive charged me twice what I was paying during renewal without discussing it with me. Be cautious if your card is on file.

Reviewed in Texas on March 10, 2026

Progressive charged me twice what I was paying during renewal without discussing it with me. Be cautious if your card is on file.

Theodore

Verified Review

It was awesome

Reviewed in Texas on March 6, 2026

I have excellent service.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

622

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

One of the cheapest insurers for senior drivers, Progressive offers multiple discounts that can help seniors save. Senior homeowners could benefit from the company’s multi-policy and homeowner discounts. They may also be eligible for a continuous insurance discount based on their years of insured driving.

Pros

• In-person support from 38,000+ agents

• Accident forgiveness available

Cons

• Third-lowest customer satisfaction score for claims process from J.D. Power

• Just 1.2 stars (out of 5) on Trustpilot

Average cost of car insurance for senior drivers in Texas

As you age, your insurance risks change, and insurers will adjust your car insurance costs according to your age group.^[2] In general, drivers in their 60s pay the lowest insurance premiums by age, but drivers age 70 and older begin to see a slight increase in the price of their car insurance rates.

Compare average liability quotes by driver age for senior drivers in Texas.

Senior driver car insurance rates by city

Where you live in Texas plays a big role in what you’ll pay for senior car insurance. Location affects repair costs, accident frequency, traffic congestion, vehicle crime rates, and more. Exposure to extreme weather events like hurricanes and wildfires also varies by location, and insurers consider those risks when setting rates for senior drivers.

Here’s a look at what senior drivers pay on average for auto insurance in different Texas cities.

The below rates in Texas are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

City	Average Monthly Cost: Liability Only	Average Monthly Cost: Full Coverage
Abilene	$73	$150
Big Spring	$74	$162
Corsicana	$77	$155
Commerce	$77	$150
Temple	$81	$158
Jacksonville	$81	$181
El Paso	$83	$161
Victoria	$83	$151
Midland	$83	$176
Amarillo	$84	$185
Lufkin	$84	$156
Bryan	$85	$164
Texarkana	$85	$143
Nacogdoches	$86	$152
Cleburne	$86	$144
Lubbock	$86	$176
Odessa	$88	$194
Greenville	$88	$157
Killeen	$88	$168
College Station	$88	$166
New Braunfels	$91	$166
Waxahachie	$92	$170
Grapevine	$92	$157
Burleson	$93	$173
Georgetown	$93	$163
Denton	$94	$179
Harlingen	$94	$155
Laredo	$95	$175
Huntsville	$95	$170
San Marcos	$96	$182
Round Rock	$97	$175
Cedar Park	$98	$171
Lewisville	$98	$167
Coppell	$98	$164
Frisco	$99	$179
Fort Worth	$99	$180
Keller	$100	$170
Leander	$100	$179
Mckinney	$100	$181
Brownsville	$101	$179
Haltom City	$102	$169
Irving	$102	$196
Mansfield	$103	$184
Plano	$105	$179
Duncanville	$105	$204
Friendswood	$105	$177
Forney	$105	$194
Arlington	$106	$185
San Antonio	$106	$188
Austin	$106	$182
Pflugerville	$108	$182
Lancaster	$109	$196
Grand Prairie	$109	$191
Galveston	$109	$176
Cleveland	$109	$208
Southlake	$109	$159
Montgomery	$110	$190
League City	$110	$168
Balch Springs	$111	$187
Pearland	$111	$201
Corpus Christi	$111	$179
Mesquite	$111	$207
Conroe	$111	$186
Rowlett	$112	$198
Dallas	$113	$206
Mcallen	$113	$184
San Juan	$113	$202
Beaumont	$114	$193
Mission	$115	$191
Baytown	$116	$203
La Porte	$116	$177
Rockwall	$116	$205
Garland	$117	$202
Spring	$124	$202
Sugar Land	$125	$189
Katy	$127	$209
Fresno	$128	$219
Humble	$133	$212
Houston	$143	$235

Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.

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Car insurance discounts for senior drivers in Texas

Depending on your age, driving record, and financial situation, Texas car insurance rates could become more difficult to manage for some senior drivers. Yet if you shop around, you may find that some insurers offer senior discounts that have the potential to save you money and help you find more competitive rates.

Below are some examples of car insurance discounts that might be available from different auto insurance companies.

• 

  Mature driver discount

  A senior discount may be available to drivers older than 65. You might need to meet certain criteria to qualify, such as having a clean driving record or maintaining continuous insurance coverage.

• 

  Safe driver discount

  People without a recent speeding ticket on their driving record or who haven’t had any at-fault accidents for a certain period of time may be eligible for this type of discount from certain insurers.

• 

  Defensive driving course discount

  Some insurance companies may offer senior drivers a discount for taking a defensive driving course. But mature drivers might have to repeat the course every few years to keep their lower rates.

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  Military member discount

  Veterans, active-duty military members, and drivers facing emergency deployment may qualify for discounts on their car insurance rates from many different insurance companies.

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  AARP member discount

  The AARP Auto Insurance Program from The Hartford offers senior drivers discounts on auto insurance.

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  Low-mileage driver discount

  If you’re a senior who drives limited miles, you may be able to find an insurance company that offers lower premiums for low-mileage drivers.

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  Bundling discount

  Most insurers offer discounts when you buy more than one type of policy from them. For example, some may offer a bundling discount when you purchase your auto and home coverage from them. Some even offer savings when you bundle auto and pet insurance.

Car insurance for seniors in Texas FAQs