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 3, 2020

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Here's what you need to know...

  • Car insurance for seniors is second to young, male drivers in terms of accident rates, which causes their auto insurance rates to be higher
  • Three things can affect a senior’s auto insurance rate: their driving record, geographic location, and health
  • One way for a senior to combat high insurance rates is to see which discounts they are eligible for
  • Drivers over 55 can get auto insurance discounts just for them

Do seniors get discounts on car insurance?

Getting older does have its benefits. Some of those benefits are financial, such as the over 55 car insurance discount, while others are more abstract.

But in a day and age when many seniors are having a hard time making ends meet, and the economy shows no signs of rebounding anytime soon, any bit of financial help they can get is appreciated.

Some car insurance companies are more than happy to oblige with 55-year-old discounts to older drivers, as long as certain conditions are met.

While it’s true that drivers over the age of 55 can get a discount on their car insurance, there are certain conditions that apply. Insurance companies generally begin looking at a greater risk for these drivers as they age.

Although our data shows, that risk for accident doesn’t increase significantly until over 80.

Who has the cheapest auto insurance for 55 and older drivers? Searching for online car insurance quotes that include an auto insurance discount for over 55 doesn’t need to be difficult; just enter your ZIP code above to get started now.

Table of Contents

Car Insurance Discounts for Seniors

What discounts can you get at 55?

If you’re a driver age 55 or older, you can be proactive in making sure you get any discounts available to you. First, be sure to contact your car insurance company and ask them about available discounts for 55 years and older drivers and whether they apply in your case.

In the world of car insurance, you are your own best advocate. If you are looking to save money on all your car-related product, check out this money-saving tips article to learn all about auto insurance discounts for over 55 year-old drivers.

Many of the major insurers offer discounts to senior drivers, as they typically have years of driving experience remaining safe.

This table shows these available discounts and known percentages.

Senior or Mature Driver Auto Insurance Discount Availability
CompanySenior/ Mature Driver Auto Insurance Discount
21st CenturyYes - n/a
AAANo
AllstateYes - 10%
American FamilyNo
AmeripriseNo
AmicaNo
Country FinancialNo
EsuranceYes - n/a
FarmersYes - n/a
GeicoNo
Liberty MutualNo
MetLifeYes - 10%
NationwideNo
ProgressiveNo
Safe AutoNo
SafecoNo
State FarmNo
The GeneralYes - 5%
The HanoverYe s- 5%
The HartfordYes - n/a
TravelersNo
USAAYes - n/a
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In addition, some states allow for senior discounts if drivers have completed a driver improvement course.

The AAA’s Senior Driving website dedicates significant resources to helping drivers over the age of 55 continue to be safe on the roads.

They have information regarding driver improvement programs and how they can affect your insurance rates, as well as information about their AAA auto insurance senior discount.

This video from Shine Insurance goes over some commonly available discounts.

You’ll also be available for a variety of other discounts that aren’t just for seniors.

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Which states have a government-mandated auto insurance discount for seniors?

Many states actually have a government-mandated car insurance discount for seniors, including the Commonwealth of Pennsylvania.

AARP car insurance has listed these states which mandate a car insurance discount for senior drivers.

  • Alabama
  • 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

Some of these require you to take a driving course in order to be eligible for the discount.

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Your Driving Record Affects Car Insurance Rates

The first thing insurance companies will consider before granting discounts on senior car insurance is their individual driving record.

Hypothetically speaking, if a 57-year-old driver has been with the same company for a length of 10 to 15 years, he’s more likely to be eligible for “after 55” discounts if he’s had few or no claims during that period.

Obviously, an accident-free record is an ideal situation when looking for the best auto insurance rates for seniors. But even one or two minor accidents over the lifetime of a senior driver is still fairly negligible.

What is the best car insurance for seniors? Auto insurance rates by age and gender can give you a general idea for what your rates will be. Here are the average rates for 60-year-old drivers who have the best rates of any age group.

Average Annual Car Insurance Rates by Age and Gender
CompaniesAverage Annual Rates for a Married 60-Year-Old FemaleAverage Annual Rates for a Married 60-Year-Old Male
USAA$1,449.85$1,448.98
State Farm$1,873.89$1,873.89
Progressive$1,991.49$2,048.63
American Family$1,992.92$2,014.38
Travelers$2,051.98$2,074.41
Nationwide$2,130.26$2,214.62
Geico$2,247.06$2,283.45
Farmers$2,336.80$2,448.39
Allstate$2,913.37$2,990.64
Liberty Mutual$3,445.00$3,680.53
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Who has the cheapest car insurance for seniors? Based upon these rates, it looks like the lowest auto insurance rates for seniors are from USAA and State Farm.

Searching for quotes online can help you find the best car insurance company for seniors.

Along with accidents, car insurance companies also look for speeding tickets and other such violations. Again, the best-case scenario would be a senior driver whose record is free of such violations.

Fortunately, most states allow the most common violations to disappear from your driving record after a certain number of years.

More serious violations, such as a conviction for felony DWI or hit-and-run may be a problem for the rest of the driver’s life.

There is also data that shows older adults may be more of a risk. The Center for Disease Control and Prevention notes that almost 7,700 adults over 65 years old were killed in 2017 in motor vehicle crashes. That means about 20 older adults are killed each day.

That leads some insurers to raise rates once a senior driver reaches 65 years old.

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Where You Live Affects Your Car Insurance Rates

Geographic location plays a part in determining the price of car insurance for all drivers, regardless of their age.

But believe it or not, the more densely populated a specific area, the more residents of that area will pay for their insurance. A higher insurance rate holds true for senior auto insurance quotes to the extent that they are considered a higher risk in the more densely populated areas.

A senior living in a rural area, or small- to medium-size town, will most likely get a discount more substantial than another senior living in a major metropolitan area.

In cases where a senior driver carries comprehensive coverage to cover theft issues, discounts are more difficult to come by in metropolitan areas where car theft rates are high.

Your Health Might Affect Your Car Insurance Rates

Some states require that specific health issues be listed on an individual’s driver’s license and their DMV record. Examples of these health issues would be:

  • Poor vision
  • Hearing loss
  • A tendency to seizures

Unfortunately, if any of these factors affect you severely as a senior driver, you’re unlikely to get any substantial discounts as you age. It’s important for those aged 55 or older to do their best to maintain good health.

For things like minor vision and hearing loss, corrective actions can be taken which would still allow such individuals to drive safely. Eyeglasses, hearing aids, and other corrective devices will be listed on your driver’s license in most states.

As long as senior drivers can meet state requirements for safe driving, use of those corrective devices should not hinder a driver from getting a discount.

You can take advantage of our search tool for car insurance rates and find low-income auto insurance for seniors. Get auto insurance for seniors over 80 or below 20 by entering your ZIP code in the box below.