Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 12, 2020

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Here's what you need to know...

  • Some car insurance companies offer a 55-year and older discount that typically applies when a senior citizen agrees to take a defensive driving course that is approved by the state in which they live
  • According to the Insurance Information Institute statistics show that the least amount of accidents occur in the 55 and older age group since older drivers tend to drive more carefully
  • Senior discounts are just one of the many discounts offered to good drivers through various insurance companies

Senior citizens can absolutely get car insurance discounts. In fact, most insurance companies automatically lower your rates when you turn 55. The assumption is that you will be driving less.

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Table of Contents

Determining Factors for Car Insurance Rates for Senior Citizens

Outside of offering lower rates to senior citizens, everything else with the insurance company stays the same. You will not get lower rates if you have a terrible driving record, bad credit, or any DUIs on your record.

The senior citizen discount applies to drivers in good standing with their insurance companies.

In fact, in addition to your senior citizen discount, you can still qualify for:

When a car insurance company considers your application, they will review your:

  • Age
  • Gender
  • Marital status
  • Education
  • Credit score
  • Type of car
  • Driving record
  • Location

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Car Insurance Rate Change Automatically at Age 55

In most cases, your insurance rate will change automatically when something major changes in your life. Of course, there are a few things that the insurance company has no way of knowing unless you tell them, such as if you get married or have a child.

However, because they require you to provide your birthday when you apply for car insurance, they will know when you hit any major age milestones that will affect your rates.

If you are with an insurance company that only provides a discount when you take a defensive driving course, then you will have to provide them with information about your course to get the discount.

Does this guarantee me a lower rate than at any other age?

There is no way to say absolutely yes. At the age of 55, you may be driving a $60,000 car; while you were 25, you might have been driving a $7,000 car.

If you live in an area that has higher crime rates than you did in previous years, then your rates will be higher as well.

There is just no sure way to say that you will pay less once you turn 55.

If, however, from the age of 54 to the age of 55 nothing has changed regarding where you live and what kind of car you drive, you could be paying less money for your car insurance.

However, while rates will be lower for you between the ages of 55 and 70, according to the Insurance Information Institute, the risk that you will have an accident increases significantly after your turn 70. At that point, you will probably pay more for your insurance.

Do all insurance companies offer car insurance to senior citizens?

Every reputable car insurance company offers car insurance to people of all ages, as long as they are legally able to drive.

If a car insurance company turns you down, it is likely that there are other underlying reasons for the cause rather than just age.

If you are concerned about how an insurance company might treat you, use sources like J.D. Power or Weiss Ratings to see how companies are rated on customer service. These sites may help ease your mind about the insurance company you choose.

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What happens to my car insurance rates if I can’t pass my driver’s test?

If you fail your driver’s test, your insurance rates won’t change for the time being. In some states, the DMV informs your insurance company of the change in your driving status, but not all states do.

It boils down to driving your car. If you cannot drive,  you should consider dropping your car insurance.

There is no reason to pay for a service you cannot benefit from.

If you have other drivers on your vehicle, you can have your name removed from the list of insured people on the car. If you have a bumpy driving history, this removal could lower your rates, especially if other drivers on your policy have excellent driving records.

You can compare car insurance rates right now by entering your ZIP code below!