Car Insurance for Drivers 60 And Older

Car insurance rates rise for drivers over 60, but you can save by (1) finding discounts for seniors, (2) keeping a clean driving record, and (3) comparing quotes online.

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UPDATED: Aug 9, 2021

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Aug 9, 2021Fact Checked

Here's what you need to know...

  • Seniors have higher rates due to statistics suggesting that seniors are a higher risk on the road
  • There are ways for seniors to lower their rates and get discounts for auto insurance
  • Particular car features and how much you drive can positively or negatively affect auto insurance rates

For anyone over 60, car insurance rates start to go up. When you were a youngster, borrowing the family car didn’t seem like that big a deal. You probably never gave insurance a second thought until the day mom or dad told you that it’s time you started chipping in for insurance costs.

So you got a job, paid your way, and lived happily ever after, after hitting the age of 25 (which gave you a big drop in your insurance rates). Fast forward to present day: you hit 65 years of age and are now seeing a big increase in your rates once again!

Indeed, individuals over the age of 60 are considered seniors by the insurance industry.

To see just how much age and sex can affect car insurance rates, check out our guide for average rates by age and gender.

Find affordable car insurance quotes by entering your ZIP code now!

How to Get a Discount on Over 60 Car Insurance Policies

If you have years of experience behind the wheel, you may feel outraged that your premium rate is increasing. It’s nothing personal, and this hike usually has nothing to do with your driving ability.

Insurance companies use statistics and averages to help ensure a yearly profit business.

As we get older, things start to change. Our reflexes may not be as fast as they once were and our eyesight may gradually become worse. These factors make seniors a higher risk for companies to insure. If the statistics aren’t in your favor, the rates go up to compensate that extra risk.

However, if you are a good driver, sharp as a tack, and with a clean driving record then you can expect to be rewarded with a discount.

If you are looking to lower your rates, and you do have a blemish or two on your record, you can attend driving safety courses. These can sometimes help remove past errors from the record, which may lower your premiums.

The next step is to find an insurance company that recognizes your good driving history and perceives your lower-than-average risk. Use your age to your advantage by getting senior discounts through companies like the AARP.

You can also ask about senior discounts through your insurance agency. It never hurts to ask about discounts you may qualify for because if you don’t ask, you never know!

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Over 60, Car Insurance, and the Make of the Vehicle

Another major factor that will decide the price of your premiums is the type of car you drive and how often you drive it. If you have a super sporty little number, you can’t avoid high premiums.

If you really want to lower your rates, you may consider trading that new car in for something less costly to insure.

If you aren’t sure which cars cost less to insure, you can call an agent and discuss your options. The amount of time you drive your car is also a major factor. If you are retired now or working less than full time, you may save money with low mileage discounts.

If you are driving a paid off car that you’ve had for many years, you may be able to lower your premiums by removing unnecessary coverage. The comprehensive coverage policy may not be needed.

If you are driving the newest of the new, be sure to report all the safety features you have, such as:

Keeping your car in a garage instead of parking it on the street can also bring down premium rates.

Over 60 Car Insurance and the Online Option

The best thing you can do to find discounts for people over 60 for car insurance is to shop around. Don’t go with the very first quote you get.

You can still call the top car insurance agencies in your area and speak to a representative if you like speaking to a live person. You can also try going online and comparing the prices of different companies all at once.

See what the best rates are, but be sure to read exactly what is and isn’t covered before you sign on the dotted line. You can find affordable rates if you search for discounts and comparison shop.

Just enter your zip code into our comparison tool to get started looking for car insurance quotes today!

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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