Best Government-Mandated Auto Insurance Discounts for Seniors in 2026 (Save up to 35% With These Companies)

If you are a senior citizen, you have the option to save money through the best government-mandated auto insurance discounts for seniors by participating in an approved driving course.

Depending on where you live, you may be able to take advantage of a senior driver discount in order to save money on your monthly car insurance rates. You can always check with your current car insurance company as well to see if they offer any additional discount options for you based on your age.

Our Top 10 Company Picks: Best Government-Mandated Auto Insurance Discount for Seniors

Company	Rank	Savings Potential	A.M. Best	Who Qualifies?
	1	35%	A++	Seniors aged 65+ with safe driving
	2	30%	A+	Drivers aged 65+ with no violations
	3	28%	A+	Seniors aged 60+ with clean records
	4	25%	B	Drivers aged 60+ with good driving history
	5	23%	A	Seniors aged 65+ in good standing
	6	20%	A+	Seniors aged 65+ with proof of age
	7	18%	A+	Seniors aged 60+ with safe driving history
	8	15%	A	Seniors aged 60+ with no recent violations
	9	12%	A++	Drivers aged 65+ with clean records
	10	10%	A	Seniors aged 65+ with good driving records

It is a good idea to compare car insurance rates at least once a year to see how much you could potentially save on your car insurance policy. You can use online quote tools to compare multiple companies at once and see which companies offer the best coverage at the most affordable rates.

In fact, you can use our free quote tool to find and compare car insurance rates from top companies in your area today.

How to Get a Senior Government-Mandated Discount

Senior drivers must take and pass a safety driving course to qualify for a government-mandated discount, which can result in significant savings on their car insurance rates. These courses are designed to help seniors drive safely and effectively on the road.

If you live in one of the states listed below, you may have the opportunity to receive car insurance discounts after taking a specific driving safety course.

Government-mandated discount states are Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, New York, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington, West Virginia, and Wyoming.

Read more: Government Auto Insurance

You may be able to stay with your current car insurance company and still get a great discount and deal on car insurance rates by taking a safety driving course for seniors, especially since these discounts can help you save anywhere from 10% to 35% on your policy. You can call your company to speak with a representative to ask more about this option.

Many senior citizens wonder, “Why did no one tell drivers born between 1936 and 1966 about this new rule?” And the truth is, no one knows. With the potential to save money on car insurance simply for taking a course, these government-mandated discounts should be more popular than they are.

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Companies With the Best Senior Government-Mandated Auto Insurance Discounts

Often, even with discounts, car insurance can be expensive. For elderly drivers especially, car insurance rates are likely to increase with age due to age-related driving issues.

So, you may want to know whether there are certain car insurance companies that cater to seniors and offer affordable senior coverage.

While it may be difficult to find car insurance discounts or extremely low rates for someone in their 80s and 90s as they may need high-risk insurance, plenty of senior drivers have favorites when it comes to auto insurance companies that incentivize their policies. Some of the most popular car insurance companies for senior drivers that have great senior discounts include:

Monthly Auto Insurance Rates After Senior Discount

Insurance Company	Regular Monthly Rate	Senior Discount Applied	Monthly Rate After Discount
	$145	20%	$116
	$128	10%	$115
	$130	15%	$111
	$120	35%	$78
	$140	23%	$108
	$130	28%	$94
	$125	30%	$88
	$135	25%	$101
	$150	18%	$123
	$125	12%	$110

All of the companies listed above offer different reasons for senior drivers to choose them as their insurance carrier. For example, Geico offers very low rates for liability coverage for seniors. Learn more about the company in our Geico auto insurance review.

Average Cost of Senior Auto Insurance

You will never know how much you will actually pay for auto insurance until you get a quote from different companies. The table below shows the average monthly car insurance rates for seniors based on age.

As you can see, a senior’s driving record has more potential to make an impact on car insurance rates than that person’s gender or age (Read More: Cheap Auto Insurance for a Bad Driving Record).

This is why it’s very important to shop around for car insurance coverage in order to find the very best deal possible. Otherwise, you run the risk of overpaying for coverage.

It is best if you shop around for car insurance policies from other companies at least once a year. This will help you get specific rates based on your unique situation and give you a better idea of what you’d be paying with a different company.

Getting the Cheapest Senior Auto Insurance Possible

How can seniors get the cheapest auto insurance possible? If you are a senior citizen, taking a driving course and applying for the government-mandated discount will make sure you get cheap auto insurance for seniors in your state.

Be sure to shop around using a quote tool that compares multiple senior auto companies at once to help you save time. You can use our free quote tool today to start your search for cheap senior auto insurance.