Best Car Insurance for Seniors

Coverage options and discounts for drivers 65+

📊 Senior Driver Rates

Good news: Seniors 55-70 often enjoy the lowest insurance rates due to experience and typically lower mileage.

Ages 55-64

$2,000/yr

Ages 65-74

$2,100/yr

Ages 75+

$2,500/yr

Best Insurers for Seniors

The Hartford (AARP Partner)

Exclusive AARP member rates. RecoverCare benefits for accident recovery. Lifetime renewability guarantee.

Best for: AARP members

GEICO

Mature driver discount available. Low base rates across all age groups. Emergency roadside assistance.

Best for: Budget-conscious seniors

State Farm

Drive Safe & Save for low-mileage discounts. Local agents for personalized service. Strong claims support.

Best for: Seniors who want agent relationships

USAA

Best rates overall if eligible. Excellent customer service for military veterans and their families.

Best for: Military veterans

Senior-Specific Discounts

🎓 Defensive Driving Course

Complete an approved course (like AARP Smart Driver) for 5-15% off. Most states require insurers to offer this discount.

🚗 Low Mileage

Driving under 7,500 miles/year qualifies for significant discounts. Perfect for retirees.

👴 Mature Driver Discount

Many insurers offer 5-10% off simply for being over 55 or 65 with a clean record.

🏠 Retiree/Homeowner

Owning your home and being retired can qualify for additional discounts with some insurers.

When Senior Rates Increase

Rates typically start increasing around age 75 due to statistical accident risk. Here's what to expect:

  • • Ages 75-79: Rates begin increasing 10-15%
  • • Ages 80+: Significant increases (20-30%+)
  • • After an accident: Rate impacts are larger for older drivers

Tip: Telematics programs can help prove you're still a safe driver regardless of age.

The Bottom Line

Seniors 55-74 typically enjoy excellent rates due to experience. Take advantage of defensive driving courses, low-mileage discounts, and AARP partnership rates through The Hartford. If rates start increasing after 75, telematics can help prove you're still safe behind the wheel.