Car Insurance Companies Offering Coverage for Seniors

Finding car insurance for seniors is easy until their driving ability starts to decline. High-risk drivers of all ages pay $137.75/mo more on average.

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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.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 12, 2020

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Here's what you need to know...

  • Senior citizens are entitled to the same insurance rates as younger people
  • Those over the age of 65 are allowed to drive as long as they demonstrate the ability to do so
  • Unfortunately, slower response times and memory problems prevent many seniors from driving

Most insurance companies offer car insurance to seniors without regard to age discrimination. As long as they can meet the physical and mental qualifications, they are should be offered coverage.

However, if they have moving violations or are starting to show signs of mental or physical problems, their license may be restricted or even revoked.

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Are seniors allowed to drive?

Seniors are often thought of in the same way teens are in the world of car insurance since they are also considered high risk.

When teens apply for their driver’s license they have to take a road test, an eye exam, and a written test.

The same holds true for seniors. However, their reflexes may not be as responsive as they used to be. This can be dangerous for the elderly as well as other drivers, especially if they are on medication.

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How much does car insurance cost for seniors?

One way that car insurance companies eliminate high-risk seniors from their books is to increase their premiums. If you are fortunate enough to be able to pay these high premiums, it may buy you some extra road time.

But should a higher premium suffice for someone who may be financially capable, but has several violations and claims in progress?

High-risk drivers such as seniors pay as much as 50 percent more than a middle-aged driver with no moving violations.

If you are a safe-driving senior, you may save that same 50 percent on your car insurance, according to Allstate, State Farm, and other major carriers.

What car insurance discounts are available to seniors?

Seniors over 50 have a wide selection of insurance companies from which to choose. Through The Hartford, seniors can purchase AARP coverage with built-in discounts.

Unlike teens, seniors usually own a home, which makes them candidates for multiple policies or combined policy discounts.

Seniors can also take advantage of other discounts for good credit, good driving records, and loyalty discounts.

At this stage of your life, you are usually financially stable with a few assets and the need for multiple lines of coverage. In exchange for the option of additional lines of coverage, discounts and incentives are often offered to seniors.

Which states restrict car insurance for seniors at a certain age?

States have the control of regulating driving laws through the local DMV. Several states require seniors over 65 to renew their licenses more frequently and perform vision, written, and/or road tests.

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How do I determine when it is time to take the keys from the senior in my family?

In many instances, it is up to the family to take the keys away when they observe patterns of unsafe practices. Many family members recognize the importance of maintaining independence for their elderly loved ones.

Once driving privileges are taken away, seniors are more dependent on their adult children to shop and travel to doctor’s appointments.

Since seniors are living longer, healthier lives, maybe state regulators have taken this into consideration and made the appropriate amendments.

At the same time, for those whose physical and mental faculties are deteriorating faster, there should be some protection for the other drivers on the road.

In that case, the states that carry the yearly renewal requirement for those 65 and older may be good examples for the rest of the country.

Enter your ZIP code below and start comparing insurance rates for seniors today!

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