Senior Citizen Car Insurance

The average rates of car insurance for a 60-year-old driver are $189.63/mo, but it starts to rise after 70. Increased safety features may save you up to 8%.

Free Car Insurance Comparison

secured lock Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 12, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

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

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

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!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption