Senior Citizen Car Insurance Discounts

Drivers over 55 are often eligible for up to a 10% senior discount on car insurance because older people generally drive less. Find other hidden discounts to save even more.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Some car insurance companies offer a 55-year and older discount that typically applies when a senior citizen agrees to take a defensive driving course that is approved by the state in which they live
  • According to the Insurance Information Institute statistics show that the least amount of accidents occur in the 55 and older age group since older drivers tend to drive more carefully
  • Senior discounts are just one of the many discounts offered to good drivers through various insurance companies

Senior citizens can absolutely get car insurance discounts. In fact, most insurance companies automatically lower your rates when you turn 55. The assumption is that you will be driving less.

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What factors determine car insurance rates for senior citizens?

Outside of offering lower rates to senior citizens, everything else with the insurance company stays the same. You will not get lower rates if you have a terrible driving record, bad credit, or any DUIs on your record.

The senior citizen discount applies to drivers in good standing with their insurance companies.

In fact, in addition to your senior citizen discount, you can still qualify for:

  • Good driver discounts
  • Loyalty discounts
  • Multiple policy discounts
  • Multiple car discounts
  • Safe car discounts

When a car insurance company considers your application, they will review your:

  • Age
  • Gender
  • Marital status
  • Education
  • Credit score
  • Type of car
  • Driving record
  • Location

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Why do car insurance rates change automatically at age 55?

In most cases, your insurance rate will change automatically when something major changes in your life. Of course, there are a few things that the insurance company has no way of knowing unless you tell them, such as if you get married or have a child.

However, because they require you to provide your birthday when you apply for car insurance, they will know when you hit any major age milestones that will affect your rates.

If you are with an insurance company that only provides a discount when you take a defensive driving course, then you will have to provide them with information about your course to get the discount. If you qualify for a driving course discount, chances are you also honed your driving skills! Plenty of auto insurance discounts can be found to help you achieve affordable rates.

Does this guarantee me a lower rate than at any other age?

There is no way to say absolutely yes. At the age of 55, you may be driving a $60,000 car; while you were 25, you might have been driving a $7,000 car. Driving abilities, type of vehicle, age range, safety features, and driving habits are just some of the things that can determine your auto insurance rates.

If you live in an area that has higher crime rates than you did in previous years, then your rates will be higher as well.

There is just no sure way to say that you will pay less once you turn 55.

If, however, from the age of 54 to the age of 55 nothing has changed regarding where you live and what kind of car you drive, you could be paying less money for your car insurance.

However, while rates will be lower for you between the ages of 55 and 70, according to the Insurance Information Institute, the risk that you will have an accident increases significantly after you turn 70. At that point you will probably have to pay more for your senior car insurance rates, despite additional driving experience.

With all of the varying factors that can affect the cost of auto insurance, comparison shopping is essential. Driving discount options for seniors will depend on if they meet the eligibility requirements.

Do all insurance companies offer car insurance to senior citizens?

Every reputable car insurance company offers car insurance to people of all ages, as long as they are legally able to drive. If you are unsatisfied with your current company due to exclusive policy features, scarce deductible options, or just overall poor customer experience, you can always take a look around and comparison shop to find competitive rates and affordable coverage.

If a car insurance company turns you down, it is likely that there are other underlying reasons for the cause rather than just age.

If you are concerned about how an insurance company might treat you, use sources like J.D. Power or Weiss Ratings to see how companies are rated on customer service. These sites may help ease your mind about the insurance company you choose.

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What happens to my car insurance rates if I can’t pass my driver’s test?

If you fail your driver’s test, your insurance rates won’t change for the time being. In some states, the DMV informs your insurance company of the change in your driving status, but not all states do.

It boils down to driving your car. If you cannot drive, you should consider dropping your car insurance.

There is no reason to pay for insurance costs you cannot benefit from, especially if you’ve added expenses like homeowners insurance or life insurance.

If you have other drivers on your vehicle, you can have your name removed from the list of insured people on the car. If you don’t have a safe driving record, this removal could lower your rates, though the chances are higher if other drivers on your policy have excellent driving records.

If you’re a mature driver aiming to browse through auto coverage discounts for seniors, you’ll want a company with dependable customer service, fair policy service options, a reliable claims service, and rewards for being a safe driver. An auto policy may allow for an accident-free discount or a safe driver discount, or yield another option for seniors to lower their auto insurance costs.

You can compare car insurance rates right now by entering your ZIP code below!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

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