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: Oct 2, 2020

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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Insurance SummaryDetailsFrom The Experts At...
Number of Seniors Injured in Accidents in 2014221,000aaa.org
Number of Drivers age 65+ in the US in 2017Approx. 44 millioncdc.org
Number of Auto Accidents in 20176,452,000nhtsa.gov
Number of Miles Driven in the US in 20163.22 Trillionwww.npr.org
Most Expensive Insurance by StateLouisiana - $1,443.72iii.org
Least Expensive Insurance by StateVermont - $762.59iii.org
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Does Allstate offer senior discounts? Yes, Allstate insurance does offer a special car insurance discount to senior citizens. Allstate offers many other discounts, as well. These discounts are determined by the driver’s age, the type of car owned by the policyholder, and their driving history.

Allstate car insurance offers a variety of discounts, including the Allstate Rewards program that allows you to earn credit towards fun purchases in exchange for safe driving habits. Despite all of the benefits of being insured through Allstate, seniors still need to compare quotes from multiple companies to ensure you are getting the best rate.

Looking to buy senior discount car insurance? Before learning more about Allstate senior discount car insurance, compare great auto insurance rates for seniors from multiple top car insurance companies now by entering your ZIP code above.

Table of Contents

What is the average Allstate premium for senior drivers?

Allstate’s average premium for senior drivers is listed in the chart below:

DemographicAnnual Premium6 Month PremiumMonthly Premium
Married 60-year old female$2,913.37$1,456.69$242.78
Married 60-year old male$2,990.64$1,495.32$249.22
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It is important to compare rates between companies when considering purchasing a policy. These rates are higher than many of their competitors, as you can see in the chart below, but don’t let yourself be fooled by the numbers.

The numbers below are averages, which means some people pay much lower rates and some people pay much higher rates. These rates are also not reflective of the difference in service between companies.

For example, Allstate often sells policies through an agent who can help you with your questions, while other companies do the vast majority of their business directly online, which means you might never speak to the same representative twice when you call for assistance.

Annual Premium Based on DemographicAllstateAmerican FamilyFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Married 60-year old female$2,913.37$1,992.92$2,336.80$2,247.06$3,445.00$2,130.26$1,991.49$1,873.89$2,051.98$1,449.85
Married 60-year old male$2,990.64$2,014.38$2,448.39$2,283.45$3,680.53$2,214.62$2,048.63$1,873.89$2,074.41$1,448.98
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These rates are also national averages. An insurance company that doesn’t offer coverage in Michigan or Louisiana could easily reflect average rates that are hundreds or even thousands of dollars lower simply by not participating in the most expensive insurance markets in the country. This is why it is so important to get quotes from multiple companies in your area to make sure you are getting the lowest possible rates.

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How does becoming a senior citizen impact your insurance rates?

Generally speaking, your insurance rates go down as you get older. Unless you are in an accident or otherwise have a less-than-stellar driving record, you should see your premiums slowly decrease from age 25 to 65.

Once you are past 65, you should expect your rates to start climbing again. There are several reasons for this increase in premium, including:

  • Slower reaction time – Most senior citizens have a slower reaction time on the road than they did even a few years prior, which can increase liability insurance payouts for your insurance company.
  • Deteriorating senses – Aging in your 60s and 70s typically brings with it a loss of vision and cognitive functioning, making it less safe to be behind the wheel without glasses or other medical equipment, increasing liability costs for your insurer.
  • Human fragility – A small accident that would cause minor injuries in someone under 60 can cause significant injuries or even death in drivers in their 70s and 80s. In fact, older drivers have a fatality rate 17 times higher than drivers between the ages of 25-64, which equals higher payouts by insurance companies in the event of an accident.

This is not every person’s experience, of course, but insurance rates are determined by large scale statistical analysis, which means your insurance rates are partially impacted by the overall health and driving record of other people in your age group.

Your age is only one of the factors that impact your insurance premium. Having a clean driving record, living in a safe ZIP code, and choosing a car that is cheaper to repair can all go a long way in reducing your insurance premiums.

Make sure you are completely honest about your information when signing up for a policy, otherwise that may be considered insurance fraud. Drivers who are financially able may also choose to drop comprehensive and collision coverage and only carry liability as a way to keep their insurance costs low.

Be cautious about dropping coverage to save money. Comprehensive coverage is what pays for weather-related damage, fire, motor vehicle theft, and other issues that may force you to repair or replace your vehicle.

Collision is what pays for damages to your car after an at-fault accident. These coverages may be necessary if you have a newer car or are financing your vehicle, so do your research before choosing to carry only liability coverage.

What is the history of Allstate insurance?

Allstate Insurance was founded in 1930 by two men who worked for Sears. The company was named after a popular brand of tires that were sold by Sears. Initially, Allstate insurance was only sold through the Sears catalog and direct mail.

After a popular showing at the World’s Fair in Chicago in 1933, the first Allstate office was opened in 1934, also in Chicago.

Over the past 80 years, Allstate has grown into one of the most recognized and successful insurance providers in the United States. It is one of the largest car insurance providers and the largest publicly owned insurance provider in the United States.

Today, Allstate offers more than 12 types of personal and business insurance, as well as financial services. While the company began with just car insurance, since the 1950s, Allstate has continued to expand its insurance coverage options.

What are the types of insurance available through Allstate?

Along with personal and commercial car insurance, Allstate offers many other insurance coverage options.

Some of these insurance options include:

  • Homeowners insurance
  • Condo insurance
  • Renters insurance
  • Landlord insurance
  • Life insurance
  • Supplemental health insurance
  • Business insurance
  • Identity theft insurance
  • Motorcycle car insurance
  • Motor home insurance
  • Boat insurance
  • ATV insurance
  • Snowmobile insurance

The types of car insurance offered by Allstate are included in the chart below:

Type of InsuranceDefinition
Property Damage LiabilityOffers protection when the policyholder is at fault for a car accident
Bodily Injury LiabilityPays for any medical costs that are incurred because of injuries caused by the accident
Medical PaymentsOffers extra coverage for medical expenses incurred because of an accident
Uninsured/Underinsured MotoristProtects the interests of the policyholder if they are in an accident with someone that either has no car insurance at all or not enough to cover the costs associated with the accident
ComprehensiveCovers the cost of damage to the policyholder's vehicle. Comprehensive insurance covers any damage caused by something other than a collision
CollisionCovers damage when the vehicle is in an accident with another vehicle, a building or other structure, or if the vehicle is rolled
Personal Injury ProtectionProvides coverage for medical expenses for the policyholder injured in an accident no matter who is at fault for the accident
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Insurance companies add products to their available coverages all the time, so be sure to check with Allstate directly for information regarding potential insurance products you don’t see listed in the chart above.

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What kind of discounts does Allstate offer?

The senior car insurance discount available through Allstate works a bit differently than those offered by other auto insurance providers. A senior citizen is usually classified as someone that is 65 years old or older, which is also the age at which people in the United State typically retire.

The Allstate discount is a 10 percent discount to any retired person who is at least 55 years old.

Other car insurance discounts offered by Allstate include:

  • Safe drivers
  • Early signing
  • Good student
  • Allstate employee discounts
  • New car
  • Deductible rewards
  • Resident student discount
  • Anti-lock brake
  • Passive restraint
  • Anti-theft device
  • Multiple policies
  • Allstate welcome discount

The passive restraint, anti-lock brake, and anti-theft device discounts are all considered vehicle equipment discounts. Most vehicles that are 10 to 15 years old have these types of features. Passive restraints are seatbelts and airbags.

Allstate also offers a safe driving app called Drivewise.

This app allows Allstate to track your driving behavior and change your rates accordingly. For good drivers, this could save them upwards of 30 percent on their car insurance. For drivers who are less than perfect, this could end up increasing their premium amounts.

Temporary Discounts

Sometimes a situation will arise that earns you a discount for a certain amount of time. If you want an Allstate discount, COVID isn’t necessarily the first thing that comes to mind. However, the company has been giving discounts and refunds during the COVID outbreak because it has reduced the amount of driving done by most people in the United States.

While it isn’t your typical Allstate discount, Coronavirus shows that the company is able to adapt to change and make sure their customers are treated fairly.

What is the Allstate Good Hands discount?

While it seems like Allstate would offer something called a Good Hands discount, at the time of this writing there is no such discount available. It could be that there was a Good Hands discount in the past, or perhaps that there will be one in the future, but right now there is no such discount listed on their website.

The Bottom Line

Allstate offers a number of discounts, including discounts for retired drivers over the age of 55. Seniors can combine this with other discounts to save a significant amount of money on their car insurance.

Despite the availability of discounts through Allstate, it is still important to get quotes from multiple companies to make sure you are getting the best available rate on your car insurance.

Looking for senior discount car insurance quotes? Enter your ZIP code below to compare senior discount car insurance rates now that you know all about Allstate’s senior discounts.

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Frequently Asked Questions: Does Allstate offer senior discounts?

Below are some of the most frequently asked questions regarding Allstate’s senior discounts:

Is there a government-mandated auto insurance discount for seniors?

This will vary from state to state. Some states mandate a senior discount for auto insurance as long as the driver in question has a spotless driving record. Others mandate a discount be offered to senior drivers who take a driving safety course. Other states don’t have a required discount for seniors at all. Below is a list of states that require discounts to be offered for driver safety courses:

  • 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
  • Wyoming
  • Washington, DC

If you live in one of these states, taking a driver’s safety course is an excellent way to bring down the cost of your insurance coverage.

Who has the cheapest car insurance for seniors?

Do seniors get discounts on car insurance? Generally speaking, Geico and USAA have the lowest rates for insurance across the board. This isn’t universal, however.

Rates vary significantly from state to state, which means that the cheapest insurance in Texas may be completely different than the cheapest insurance in Massachusetts. You will need to get multiple quotes in your area to make sure you are being given the lowest possible rate.

What is the best car insurance for seniors?

Your age very rarely determines which insurance company is best for you. A number of other factors including your ZIP code, your driving record, and what kind of vehicle you drive are all much bigger issues to consider when it comes to choosing an insurance policy.

How can I prevent age-related car accidents?

There are several ways you can help prevent age-related accidents on the road, including:

  • Ask your doctor or pharmacist about medications you are taking and how they may impact your ability to drive.
  • Have your eyes checked by an eye doctor at least once a year and wear your glasses whenever you drive.
  • Avoid driving at night and in bad weather.
  • Prevent distractions by planning your route ahead of time to avoid problems with maps or GPS systems. Also avoid eating, texting, or doing other things that might distract you from the task at hand.
  • Leave plenty of space between your car and the car in front of you.

If you don’t feel safe behind the wheel, reach out to your loved ones or find a ride elsewhere so you aren’t putting yourself or anyone else in danger on the road. Check with AARP or other organizations for senior citizens if you need assistance.