Car Insurance for Seniors: How to Find a Great Value Deal Once You’re Over 55

The cost of car insurance in most states starts going up once you reach the age of 75, even if you have a history of stellar driving.

Reasons for that include the fact that older drivers are at a higher risk of having accidents in comparison to younger drivers and senior drivers are more prone to serious injuries when they are involved in car accidents, which means expensive medical bills.

However, the good news is many drivers approaching their senior years can actually pay less for their auto insurance than at any other time in their lives.

If you’re over the age of 55, you may be able to take advantage of insurance discounts.

Here’s a look at how you can find a great deal for your auto insurance after you reach the age of 55.

Government-mandated Car Insurance Discounts Are Available for Seniors

In many states, older drivers can receive discounts on their car insurance when they enroll in and successfully complete approved driving courses.

Accredited courses are available from organizations like AAA, AARP, and The National Safety Council.

Comparing Car Insurance Quotes Online

Some insurance companies offer discounts for seniors in their 50s and 60s, so to find a great value deal, shop around.

It’s quick and simple to do that when you compare car insurance quotes with a comparison platform like

Simply enter your zip code to get quotes from hundreds of different car insurance companies. You can also easily tailor your quote to suit your needs. If you do not have your transport and plan to rent a car for travel, you can easily compare prices from different car rental companies in the U.S. depending on your location and desired rental period. Many rental companies offer options to include insurance in the rental package, allowing you to see the total cost in advance and make an informed decision. This can be particularly useful for older people who are looking for convenient transport options during their travels

Other Ways of Finding a Great Value Deal

In addition to using a comparison site to find a great deal on your car insurance, there are various other ways you can reduce the cost of your insurance.

For instance, many older drivers use their cars less than they used to. So, if you drive less in your senior years, you could get cheaper car insurance. That’s because lower mileage reduces the chance of you being involved in an accident.

You can also lower your car insurance costs by:

Driving responsibly. When you have a track record of avoiding collisions and moving violations, you can usually get a reduction in the cost of your car insurance.

Enrolling in usage-based programs. That involves installing devices in your car that measure your driving behavior. When the data shows the insurance company that you’re a safe driver, you could get a lower insurance rate.

Maintaining an excellent credit score. Your credit rating will partially determine the cost of your car insurance. So, if you maintain a good credit score, by doing things like always paying bills on time and not accumulating credit card debt, you could get a better deal on your car insurance.

Changing your location. Many people plan to move when they reach their senior years. If you move to a certain state, you could significantly reduce the cost of your auto insurance. That’s because some states are known for having lower car accident rates and lower crime rates.