Best Car Insurance in Florida for Seniors

1. State Farm

4.6 / 5

Call for best price:
(855) 933-2095

What We Like Most:

• Lower-than-average rates
• Robust customer service
• Easy-to-use online quoting options
• Numerous policy options, bundles, and discounts

Overview

State Farm is a reputable auto insurance provider with comparatively low rates, provided you have a high credit score. It offers liability, collision, comprehensive, uninsured motorist, rental, medical payments, rideshare, and emergency road service coverage. It also offers personal injury protection.

State Farm offers robust online services, including the Drive Safe app, roadside assistance, a customer portal, and an online quoting process. Its discounts include those for a clean driving record, anti-theft upgrades, students, policy bundles, and multiple policies. It does not have a low-mileage or senior discount.

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2. The Hartford/AARP

4.4 / 5

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What We Like Most:

• Tailored to senior drivers
• Robust coverage options
• Add-ons such as RecoverCare
• Numerous discounts

Overview

Auto insurance coverage through AARP’s partnership with The Hartford gives seniors membership perks, savings, and personal agents to handle their insurance needs. The Hartford offers personal and property damage insurance, uninsured and underinsured motorist coverage, collision coverage, and comprehensive coverage. It has discounts available for homeowners, safety features, AARP members, new-vehicle owners, and those who pay their policy upfront.

It also offers RecoverCare, which pays for things like living care, lawn care, snow removal, and other expenses that could become necessary if you are injured in a car crash. It has new-car replacement, repair assurance, and legal assistance services. It also offers a disappearing deductible as an optional add-on, which reduces deductibles for those with a good driving record.

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3. Progressive

4.3 / 5

Call for best price:
(855) 933-2095

What We Like Most:

• Roadside assistance coverage
• Diverse discounts
• Insurance bundles available
• Vanishing deductible

Overview

Progressive offers multiple discounts for most policyholders, though its policies are more costly for drivers with a recent speeding ticket or poor credit. We recommend Progressive for those with a clean record, though it offers competitive rates for drivers with a recent DUI.

The discounts offered by Progressive include multi-car and multi-policy bundle discounts, continuous insurance discounts for those who don’t let their policies lapse, and discounts for homeowners. Progressive also lowers its monthly insurance premiums for paying in full, paying online, setting up autopay, and going paperless.

It offers personal and property liability, comprehensive, uninsured motorist, medical, and collision coverage. Its policies come with reimbursement programs for rental cars, roadside assistance, rideshare, and custom parts.

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4. Allstate

4.8 / 5

Call for best price:
(855) 933-2095

What We Like Most:

• Easy filing process
• High customer service ratings
• Robust discount programs
• Comprehensive coverage

Overview

Allstate auto insurance is known for its easy claims filing process, which, combined with its readily available customer service, has resulted in very high consumer ratings. Despite this, it offers auto insurance for seniors at rates that are higher than average.

To mitigate these costs, Allstate offers numerous discounts. These include discounts for anti-lock brakes and anti-theft devices, new cars, early signers, responsible payers, full payers, and those who are members of its safe driving club. Its policies include collision, liability, medical, personal injury, comprehensive, uninsured motorist, and custom equipment coverage.

Allstate also offers supplemental programs such as roadside coverage, rideshare insurance, a claim satisfaction guarantee, a rewards program, accident forgiveness, a safe driving credit, classic car insurance, and rental reimbursement coverage.

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5. Geico

4.4 / 5

Call for best price:
(855) 933-2095

What We Like Most:

• Efficient online quoting services
• Comprehensive discounts
• High customer satisfaction ratings
• Competitive premiums

Overview

GEICO offers comprehensive auto insurance choices at prices below the national average. It’s known for its digital quoting services on both its website and mobile app, which help customers compare and choose policies. The downside to this is that GEICO doesn’t have as many in-person agents as other providers. It also doesn’t have any rideshare insurance.

GEICO does offer normal coverage for auto insurance policies, including personal liability, property damage, underinsured motorist, collision, and comprehensive coverage. It also offers a unique mechanical breakdown policy that covers mechanical repairs in new or leased vehicles.

GEICO also offers numerous discounts, including those for safe drivers, those with safety equipment installed in their car, new car owners, defensive driving course graduates, and those who bundle an auto policy with their home or renters insurance. Uniquely, GEICO also offers discounts for active and retired service members, active and retired federal employees, and alumni of many major associations and sports organizations.

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