Car insurance premiums start to climb for drivers at around age 65. According to the Centers for Disease Control and Prevention, older drivers have a higher rate of fatal crashes than those aged 35 to 54.
Even though rates may rise, seniors can still find good car insurance deals. Our guide will help find the most affordable rates for senior drivers in Missouri and suggest other ways to save on your auto insurance premiums.
- In Missouri, a 65-year-old driver can expect to pay an average of $1,776 annually for full coverage car insurance.
- In Missouri, a 70-year-old driver’s car insurance rates are 5% more for full coverage than for a 65-year-old driver.
- A 75-year-old driver in Missouri pays 12% more a full coverage policy than a 65-year-old driver.
- Reviewing and comparing car insurance quotes every six months or at renewal can help you find the most affordable rates.
Cheapest car insurance companies for seniors in Missouri
Find the cheapest full coverage car insurance rates in Missouri for drivers of different ages below.
- Cheapest for seniors, overall: Nationwide, $103 per month.
- Cheapest for seniors at age 65: Nationwide, $97 per month.
- Cheapest for seniors at age 70: Nationwide, $101 per month.
- Cheapest for seniors at age 75: Nationwide, $110 per month.
Compare cheap car insurance quotes for senior drivers in Missouri
State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.
Liability car insurance with limits of 50/100/50 means:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury per accident
- $50,000 per accident for property damage
A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.
Full coverage insurance with limits of 100/300/100 includes higher liability limits:
- $100,000 per person for bodily injury
- $300,000 per accident for bodily injury to multiple people
- $100,000 per accident for property damage
Full coverage also typically includes:
- Collision coverage: Pays for damages to your car from a collision.
- Comprehensive coverage: Covers damages to your car from non-collision events (e.g., theft, fire, vandalism).
Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.
Below are the cheapest Missouri rates the major car insurance companies offer for three different coverage levels: The state minimum, liability-only coverage with limits of 50/100/50 and full coverage car insurance with liability limits of 100/300/100.
Select your age and type of coverage below to see the average annual and monthly rates.
| Company Name | Avg. Annual Premium | Avg. Monthly Premium |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Why do car insurance rates increase for senior drivers in Missouri?
Car insurance tends to become more expensive for older drivers due to several factors. Statistics show that seniors, on average, tend to be involved in more accidents than younger drivers (excluding teens).
While older drivers usually have decades of experience under their belt, they often suffer from age-related hearing or vision loss, slower reflexes, side effects from medicines and other health issues that can make driving more difficult.
The CDC found that drivers older than 70 have higher crash death rates per 1,000 crashes than drivers aged 35-54 and NHTSA statistics show that senior drivers 65 and older were involved in 13% of fatal accidents in 2020, which is up 26% from 2011.
In addition, older drivers are more likely to need medical treatment even after a minor accident, and steep hospital expenses contribute to an overall increase in insurance rates.
“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.
“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.
According to an analysis by CarInsurance.com, rates start to climb for most senior drivers in their mid-60s and continue to increase from then on.
In Missouri, the average cost for a full coverage policy is $1,776 for a 65-year-old and $1,862 for a 70-year-old.
In Missouri, 70-year-old drivers pay 5% more for full coverage than 65-year-olds and 75-year-olds pay 12% more for a full coverage policy, based on CarInsurance.com data.
Find below the annual average rate increases for senior drivers in Missouri by age and different coverage limits.
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $475 | $566 | $1,776 |
| 70 | $509 | $603 | $1,862 |
| 75 | $564 | $664 | $2,024 |
Coverage types:
- Full coverage: 100/300/100 liability with $500 comp/coll deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage only
Find out how much insurance costs for seniors
Cheapest car insurance for seniors with tickets in Missouri
A speeding ticket or other moving violation will increase your insurance premiums regardless of age. Insurers value statistics, and the data show that drivers who have tickets are more likely to be involved in accidents that might lead to claims.
While the increase will vary by the insurance company, according to CarInsurance.com, Missouri, drivers can expect their rates to go up 27% after a speeding ticket that is 1-29 mph over the limit.
Seniors who have a speeding ticket or minor moving violation can expect increased insurance costs. Based on our analysis, the best insurance providers for seniors with tickets are shown in the table below.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| Nationwide | $1,824 | $152 |
| Travelers | $1,971 | $164 |
| State Farm | $1,976 | $165 |
| Progressive | $2,149 | $179 |
| Allstate | $2,882 | $240 |
| Auto Club Enterprises (AAA) | $3,019 | $252 |
| Geico | $3,581 | $298 |
| USAA* | $1,195 | $100 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in Missouri
A DUI is a major offense, and your insurance rates will rise significantly once it shows on your driving record. In most instances, your premium will double with a DUI. According to CarInsurance.com, in some states, rates can increase by 53% after the first DUI and up to 101% after a second.
Getting affordable coverage (or any coverage) becomes challenging after a DUI, but our data show these are some affordable insurers for seniors with a DUI in Missouri:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| Progressive | $1,943 | $162 |
| State Farm | $1,976 | $165 |
| Travelers | $2,064 | $172 |
| Nationwide | $2,557 | $213 |
| Auto Club Enterprises (AAA) | $3,136 | $261 |
| Allstate | $3,321 | $277 |
| Geico | $5,852 | $488 |
| USAA* | $1,787 | $149 |
Cheapest car insurance for seniors after an accident in Missouri
Much like a ticket or DUI, having an accident on your driving record will raise your insurance rates. While the increase varies by insurer, our data show that drivers can expect their premium to jump by 51% after one at-fault accident with property damage exceeding $2,000.
Typically, the premium increase remains for three to five years, making it essential to find an affordable insurer. According to our data, the following companies provide the cheapest car insurance for seniors in Missouri after an accident.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| Travelers | $1,916 | $160 |
| Nationwide | $1,934 | $161 |
| State Farm | $2,130 | $178 |
| Progressive | $2,637 | $220 |
| Auto Club Enterprises (AAA) | $3,189 | $266 |
| Allstate | $3,590 | $299 |
| Geico | $5,870 | $489 |
| USAA* | $1,514 | $126 |
How can seniors save on car insurance in Missouri?
Auto insurance for seniors can be costly, but there are several ways to save. Here are some simple ways to lower your premiums:
- Shop around: Regularly comparing car insurance rates – every six months or annually when it’s time to renew – can help you secure the best deal.
- Raise your deductible: Raising your deductible from $500 to $1,000 can save you money each month, but ensure you have the funds available to cover the higher deductible if needed.
- Ask about discounts Bundling with homeowners insurance, loyalty discounts and discounts for years of being licensed are great ways to save on car insurance. Find more details on discounts below.
Editor’s Tip:Take a senior driving course: With an approved defensive driving course, seniors can save up to 4% on their car insurance in Missouri. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Missouri.
Car insurance discounts for senior drivers in Missouri
Here are some car insurance discounts to help seniors lower their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Air bags | 1% |
| Anti-theft device | 2% |
| Daily commute | 6% |
| Days advanced purchase | 7% |
| Days per week driven | 8% |
| Defensive driver | 4% |
| Education | 3% |
| Electronic funds transfer | 4% |
| Homeowner | 5% |
| Lower annual mileage | 5% |
| Loyalty – years renewal with company | 10% |
| Marital status | 6% |
| Multi policy | 8% |
| Paperless/electronic documents | 4% |
| Payment type | 10% |
| Primary use | 8% |
| Profession | 17% |
| Safety devices | 3% |
| Telematics | 10% |
| Years insured | 19% |
| Years licensed | 26% |
Choosing the cheapest and best car insurance for seniors in Missouri
Senior drivers pay higher premiums than young adult drivers (excluding teens, of course). To find an affordable policy, assess your needs and determine the right amount of coverage.
When comparing insurance options, consider the cost, customer service and discounts offered. Search for the best auto insurance companies with affordable rates and user-friendly websites or apps.
FAQ: Cheap car insurance for seniors in Missouri
Who has the cheapest state minimum auto insurance for seniors in Missouri?
Our data show that Missouri Farm Bureau provides the cheapest state minimum auto insurance for seniors in Missouri, at around $286 per year. Progressive and Shelter Insurance also rank highly for affordable state minimum coverage for seniors in Missouri.
Which companies offer the cheapest liability car insurance for seniors in Missouri?
Missouri Farm Bureau offers the cheapest liability car insurance for senior drivers in Missouri, with an average annual premium of $344. According to a CarInsurance.com data analysis, Progressive and Nationwide also provide cheap liability insurance for seniors in Missouri.
Does State Farm offer a senior discount in Missouri?
State Farm does not offer a senior discount in Missouri, but it provides many discounts that seniors can use to lower their premiums. It includes discounts for defensive driving courses, safe driving, long-term customer loyalty, bundling policies and advanced safety feature discounts.
Bottom line
Nationwide offers the cheapest car insurance quotes for senior drivers in Missouri for a full coverage policy, based on a CarInsurance.com analysis.
By shopping around and comparing rates online from different insurers, seniors can find the best deal on their car insurance. Additionally, senior drivers could qualify for discounts by taking defensive driving courses or bundling their car insurance with other types of insurance.
Check out how to shop for car insurance for seniors
Resources & Methodology
Additional resources
There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:
- American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
- AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
- National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
- Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
- Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.
Sources:
- Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed March 2025.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed March 2025.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed March 2025.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed March 2025.
Methodology
CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.
To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.
Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied
- One at-fault property damage accident over $2K
- One at-fault property damage accident under $2K
- At-fault bodily injury accidents
- DUI/DWI first offense.
- Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)
These are sample rates and should only be used for comparison purposes.
Note: USAA is only available to military community members and their families.
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