How Much is Houston Auto Insurance for Drivers Over Age 60?

This would be a much shorter article if we could simply give you the name of the company that has the rock bottom lowest rates in Texas. It’s just not that simple, as there are a ton of unknown factors such as whether you are single or married, if you are a man or woman, what coverage limits you want, and your age, that all influence how much you pay for auto insurance. Car insurance is kind of a dry topic, but this article will explain some of these factors and educate you enough to have some help in finding cheaper rates.

Finding good, reasonably-priced auto insurance is not always easy, and determining which insurers offer the cheapest insurance rates for drivers over age 60 requires a bit more work.

Each insurance company uses a slightly different approach for determining rates in each state, so to begin we’ll rank the most competitive insurance companies in Houston, TX.

Cheapest Insurance Rates for Age 60+

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Cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,084
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,294
5 Esurance $1,365
6 California Casualty $1,382
7 Mercury $1,506
8 State Farm $1,510
9 Safe Auto $1,549
10 Nationwide $1,600
11 Progressive $1,698
12 Allstate $1,718
13 Amica $1,723
14 Home State $2,092
15 GEICO $2,156
16 MetLife $2,227
17 Encompass $2,255
18 Unitrin $2,333
19 21st Century $2,494
20 Titan $2,646
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Travelers offers some of the lowest car insurance rates in Houston at around $1,052 a year. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the more affordable Houston, TX insurance companies.

As illustrated above, if you buy coverage from USAA and switched to Travelers, you could realize yearly savings of roughly $32. Texas drivers with Texas Farm Bureau could save as much as $147 a year, and Germania Mutual customers might reduce prices by as much as $242 a year.

To find out how your current rates compare, click here to begin a quote or visit several of the following companies.

Bear in mind that those estimates are averages across all insureds and vehicles and and are not calculated with an exact vehicle garaging location for drivers over age 60. So the car insurance company that is best for you may not even be in the list above. That’s why you need to compare rates from as many companies as possible using your own individual information.

The make and model of vehicle that needs insurance is probably the largest consideration that determines the availability of the most economical car insurance for drivers over age 60. Vehicles with high performance engines, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models. The information below shows car insurance costs for a handful of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Houston, TX
Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,192
Ford Escape Limited 2WD $1,217
Honda CR-V EX-L 2WD $1,223
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,310
Toyota Prius $1,321
Ford Explorer XLT AWD $1,336
Dodge Grand Caravan SE $1,346
Ford F-150 XLT Super Cab 4WD $1,363
Chevrolet Impala LS $1,386
Ford Edge SE AWD $1,391
Chevrolet Malibu Hybrid $1,411
Toyota Tacoma Double Cab 4WD $1,421
Nissan Altima 2.5 4-Dr Sedan $1,411
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Table data represents single female driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific zip code location which can decrease or increase auto insurance rates substantially.

Based on these rates, you can figure that makes and models like the Honda Accord, Ford Escape, and Honda CR-V will be the cheapest vehicles to insure for older drivers.

For older drivers, one of the more important factors that are looked at to determine the price you pay for insurance is where you keep your vehicle. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.

The table below lists the most expensive places in Texas for drivers over age 60 to purchase a policy in. Houston is listed at #6 costing $1,835 on average, which is about $153 per month.

How much does car insurance cost in Houston, TX?
Rank City Premium Per Year
1 McAllen $1,996
2 Dallas $1,893
3 Laredo $1,889
4 Brownsville $1,851
5 Amarillo $1,840
6 Houston $1,835
7 Garland $1,832
8 Irving $1,772
9 Pasadena $1,758
10 Mesquite $1,753
11 Grand Prairie $1,740
12 San Antonio $1,722
13 Lubbock $1,716
14 Beaumont $1,702
15 Austin $1,676
16 Arlington $1,642
17 Corpus Christi $1,620
18 Plano $1,608
19 Fort Worth $1,604
20 Carrollton $1,598
21 McKinney $1,577
22 El Paso $1,568
23 Waco $1,537
24 Abilene $1,515
25 Killeen $1,488
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Rate information is estimated as the vehicle garaging location can affect coverage rates significantly.

The chart below shows how choosing a deductible can raise or lower insurance prices when searching for cheap insurance for drivers over age 60. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

As shown above, a 50-year-old driver could reduce rates by $260 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $394 by using a $1,000 deductible. Younger drivers, like the Age 20 category, could possibly save up to $646 annually just by choosing higher deductibles when buying full coverage.

If you do raise deductibles, it is important to have spare funds to be able to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Best insurance in Texas

Picking a highly-rated insurance company can be a challenge considering how many different companies sell coverage in Houston. The rank data listed below may help you choose which coverage providers to look at shopping prices with. These ratings include companies that write coverage in many states, so companies that may only write in Texas are not factored into these rankings.

Best Ten Insurance Companies for Drivers Over Age 60 in Houston
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Best Car Insurance Companies

How to find budget-friendly auto insurance for drivers over age 60

Below you’ll find many penny-pinching ideas that can help Texas drivers buy cheaper auto insurance.

The last idea is particularly critical, as we emphasized in this write-up. Coverage prices can change significantly in a year, so drivers shouldn’t be reluctant to buy from a new company if you can find a cheaper rate.

Brand loyalty is great, but it’s not a great idea if that inflexibility results in costing you lots of money. Take a couple minutes and shop around to find cheaper insurance for drivers over age 60 in Houston.

The agents listed below are willing to help you decide which policy fits your needs best, since some drivers wish to get some help when comparing insurance rates for older drivers. It can be complicated to find the cheapest car insurance policy, and getting advice from a licensed Texas insurance agent can bring satisfaction knowing your policy gives you adequate asset protection. To locate a Houston car insurance agency near you, click the button after the list.

Ken W Taylor Insurance Agency
9405 Huffmeister Rd #110Houston, TX 77095(281) 345-2580

ProTECH Insurance Agency, Inc.
#100, 3120 SW Freeway Service RdHouston, TX 77098(713) 520-1090

Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5Houston, TX 77083(281) 498-6800

Linda Tuck – State Farm Insurance Agent
2402 Bay Area Blvd gHouston, TX 77058(281) 488-9050

Jim Webb – State Farm Insurance Agent
8475 Hwy 6 N Ste BHouston, TX 77095(281) 550-2886

View more Houston, TX insurance agents