Best car insurance for senior drivers

Written by: Warren Clarke
• Updated •2 min read
This date may not reflect recent changes in individual terms.
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In a Nutshell

If you’re a retiree or at least age 50, some auto insurers have discounts available to help you save on your premium. Our top picks for car insurance for seniors provide some excellent benefits for mature drivers.
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In most states, insurers can consider age as one of the many factors that go into risk assessment — translating into higher or lower car insurance premiums. And drivers in the middle of the pack, age-wise, may get the best rates.

When it comes to mature drivers, some car insurance companies offer discounts for drivers 50 and up to help maximize their savings.

Here are some of the best insurance companies for senior drivers.

How we picked these insurers

To arrive at our ratings, we considered availability, policy options and discounts, looking at large and midsize insurance providers. We also looked at J.D Power studies covering auto claims satisfaction and overall customer satisfaction regarding the purchase experience. Finally, we factored in NAIC data that compared each company’s total complaints against a national index.

FAQs about car insurance for older drivers

Does car insurance cost more for senior drivers?

Certain factors may lead to higher insurance costs as you age. First, older drivers may have a higher risk of being involved in a car accident than younger adult drivers. And drivers 70 and up may be more likely to suffer significant injuries in an accident. These injuries could generate costly hospital bills, creating hefty expenses for insurance companies. As a result, car insurance carriers may charge higher premiums to cover this potential cost. That said, you should shop around and compare rates for the best car insurance to make sure you’re not being charged overly exorbitant monthly premiums as an older driver.

What can senior drivers do to reduce their insurance rates?

One thing that any driver, regardless of age, can do to keep rates low is to avoid accidents and moving violations. Also, enrolling in a usage-based insurance program may help you qualify for a lower rate.

About the author: Warren Clarke is a writer whose work has been published by Edmunds.com and the New York Daily News. He enjoys providing readers with information that can make their lives happier and more expansive. Warren holds a Bac… Read more.