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: May 12, 2020

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Here's what you need to know...

  • Senior citizens are all grouped into one category in the eyes of insurance providers
  • Because they are seen as higher risk drivers, senior citizens have expensive insurance rates
  • There are ways for senior citizens to find discounts on their insurance rates

There are many benefits to being a senior. Car insurance rates, unfortunately, aren’t one of them.

As you age, your insurance rates decrease and then suddenly your car insurance skyrockets when you reach the age of 70.

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Table of Contents

Things that Increase Your Premiums

As you get older, your response time slows down which hinders the ability to respond instantly to a potential threat.

Slowed reflexes are just one aspect of aging that you can’t control. Another area that can fail is your eyesight.

Insurance companies don’t test the eyesight of each individual driver; instead, they apply the same risk scenario to all of the drivers in a specific group.

Another part of the body that may weaken with age is your hearing. Being able to hear sirens, car horns, and even the yells of other people are all important to good driving.

Many states allow drivers to renew their driver’s license via the mail which has actually created an increase in the cost of insurance, especially for older drivers.

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Saving Money on Your Premiums

Many seniors live on a fixed income, which means that finding ways to cut corners is important.

You don’t want to forgo quality auto insurance, however, which leaves you in a position where you need to take advantage of any discounts that you can find.

One of the first things that you should do is to check out the AARP website.

Interestingly, the AARP offers a defensive driving course that, once completed, can get you a discount on your auto insurance.

Insurance companies want to know that you are taking steps to be a safe driver and completing a certified program lets them know that you are aware of current laws and driving conditions.

  • Membership discount – In addition, you may find that if you join AARP, you can get a discount on your auto insurance for being a member
  • Safety features – While driving an older vehicle can actually save you money on your auto insurance, you will get even more discounts if you drive a safe car
  • Anti-theft – Consider adding anti-theft devices, such as an alarm system to take advantage of even more discounts
  • Driving less – If you are driving less, then you need to let your insurance company know it. There is a great discount for drivers that drive less than 25 miles a week

If you think your premiums are out of line and you have an excellent safety record then tell the insurance company that you want to negotiate. Many will make adjustments if you take the time to ask for them.

As a senior, car insurance is likely going to cost you more, but you don’t have to simply accept increasing rates. Talk to your agent and find out exactly why your rates have gone up.

Where to Find the Best Premiums

It is a simple fact that most people stay where they are comfortable.

The bottom line, however, is that you may be paying too much for your car insurance because you haven’t taken the time to shop around.

The easiest way to accomplish this goal is to use the Internet to get free quotes from multiple companies.

With options such as free quote tools, you can get instant quotes to see how much your premiums will be with different companies.

Get free online car insurance quotes right now with just your ZIP code!