The best car insurance for seniors

Data shows that senior drivers have a higher risk of being injured in a car accident and are more likely to cause accidents than younger drivers. Many age-related factors, such as loss of vision, motor skills and even some medical conditions can increase the likelihood of a crash.

As a result, car insurance companies often charge senior drivers higher rates to offset the increased risk of a claim. When shopping for the best car insurance for elderly drivers, it’s a good idea to get quotes from multiple carriers to see which provider can offer the lowest rate.a

The best car insurance is different for everyone, including older drivers. It depends on lots of things, like location, budget, coverage needs and the driver’s personal criteria for what makes an insurer “the best.”

Ultimately, the only way to find the best car insurance for a senior is to shop around and compare providers based on factors like cost, coverage options, discounts, third-party ratings and customer service.

Need help finding the best car insurance for seniors? Take our quick start quiz to find the best car insurance company. In just five questions, you’ll get matched with several reputable providers in your area. Click “get a quote” or call to see how much you will pay and what coverage options are available.

Even if you already have car insurance, it’s a good idea to re-shop for a policy after retirement. If you are no longer commuting to work, it might make sense to drop certain policies not required in your state or lower your policy limits. You may also qualify for new discounts, such as a retired driver discount or other age-based savings.

In addition, shopping for new car insurance policies after retirement could help you find a lower price. It’s recommended to re-shop for car insurance quotes once per year, or after you’ve had a claim or another major life event.

If you find a cheaper rate from another provider, you can cancel your car insurance policy and switch companies. In most cases, you are allowed to switch to a different car insurance provider at any time, even before your policy is up for renewal.

The best way to make sure you get affordable car insurance is to compare car insurance from multiple providers. All insurance companies assess risk differently, so your driver profile will be more attractive than others – resulting in lower rates for you.

When you compare car insurance, we recommend that you also consider the insurance provider’s available discounts, such as low mileage, safe driver, and membership-based discounts. For example, some insurance companies offer cheaper car insurance to AARP members.

Car insurance for seniors can be different because as people age, factors like driving experience and health may affect rates. Seniors may qualify for discounts based on low mileage or defensive driving courses. However, some seniors may pay more for insurance if they have health issues that could impact their driving ability. It’s important for seniors to shop around for the best rates and coverage to ensure they have the protection they need on the road.

Yes, some car insurance companies offer discounts specifically for senior drivers. These discounts can help seniors save money on their premiums. Seniors may qualify for lower rates by completing a defensive driving course or by having a clean driving record. It’s important for senior drivers to ask their insurance provider about any available discounts to ensure they are getting the best deal possible.

Yes, it is important to notify your insurance company if you retire or change your driving habits as a senior. Your insurance premiums may change based on these factors, and it’s important to make sure your policy accurately reflects your lifestyle. Notifying your insurance company may even help you save money.

Yes, as a senior, you can still qualify for safe driver discounts from insurance companies. Safe driver discounts are typically based on your driving record, such as avoiding accidents and speeding tickets. As long as you continue to maintain a clean driving record and meet the requirements set by your insurance provider, you should still be eligible for these discounts. It’s important to check with your insurance company to see if they offer safe driver discounts for seniors and what criteria you need to meet to qualify.

If your vision or hearing starts to deteriorate as a senior, it may affect your ability to drive safely. It is important to have regular vision and hearing tests to make sure you are still able to drive safely.

Yes, as a senior, you can adjust your coverage limits and deductibles if needed. It’s important to review your insurance policy regularly to make sure it meets your current needs and budget. You can contact your insurance provider to make changes to your coverage options. Keep in mind that adjusting your coverage limits and deductibles may affect your premium costs, so it’s wise to speak with an agent to fully understand how changes may impact your policy.