Discounts, unique policies, and more for senior citizens' auto insurance
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Any age can benefit from learning how to save money. Looking into insurance companies that offer discounts and special programs to mature drivers—defined by most insurers as anyone over 50—will help you save money on your auto insurance if you're an older adult with expertise behind the wheel. The finest savings, benefits, and policy options for older drivers were identified through our analysis of the leading auto insurance providers.
You have some excellent options to select from whether you want to drive less, take more road trips, or simply wish to reduce your expenses as you approach or enter retirement. Here are our top selections for senior citizen-friendly auto insurance providers.
7 Best Seniors’ Car Insurance Companies of 2022
- Best Overall: GEICO
- Runner-Up for Best Overall: Amica Insurance
- Best for Safe Drivers: State Farm
- Best for Perks and Discounts: Allstate
- Best Membership Option: The AARP® Auto Insurance Program from The Hartford
- Best for Older Adults with Low Mileage: Nationwide
- Best for Cost-Conscious Drivers: Progressive
Best Seniors’ Car Insurance Companies
- GEICO
- Amica Insurance
- State Farm
- Allstate
- The AARP® Auto Insurance Program From The Hartford
- Nationwide
- Progressive
- Compare Providers
- Frequently Asked Questions
- Who Is Considered A Senior?
- How Is Auto Insurance Different For Seniors?
- What Is The Average Cost Of Car Insurance For Seniors And Older Adults?
- How Do You Save Money On Car Insurance As An Older Adult?
- Methodology
BEST OVERALL
GEICO
Our pick for the best auto insurance provider for senior citizens is GEICO since it provides reliable coverage and has insurance plans that are designed with their requirements in mind. Every state is covered, and GEICO provides all the customary auto insurance discounts, such as savings for safe driving (up to 25% off) and participation in more than 500 organizations, including alumni associations, professional, military, and recreational clubs. Additionally, like many other insurers, it provides a discount in several states if you complete a defensive driving course.
If you're 50 or older, GEICO's PrimeTime offers qualifying applicants guaranteed renewal as long as they don't let drivers under the age of 25, don't have any violations or accidents within the previous three years, and don't use their car for work. However, it’s only available in 30 states.
GEICO offers lower premiums for smaller miles even though it doesn't have a pay-as-you-go mileage-based insurance plan. Although it is common among insurers, this option may be handy if you no longer commute. Additionally, GEICO provides add-on insurance options including Mexico auto insurance, roadside assistance, and mechanical breakdown protection.
Our top selection for the best auto insurance for older drivers is GEICO because it often checks all the boxes for coverage options and discount opportunities. J.D. Power gives GEICO the top spot for its online experience.
What We Like
- Plan with guaranteed renewal for motorists over 50
- Long list of special offers
- According to J.D. Power, its digital experience is the best.
- scores for total customer satisfaction that are above average, as per J.D. Power research
What We Don't Like
- PrimeTime renewal is assured not accessible in every state
- No pay-as-you-go program based on mileage
- Few choices for in-person customer assistance; largely available online and via phone
RUNNER-UP FOR BEST OVERALL
Amica Insurance
Amica appears to keep its policyholders pleased, earning the top spot for customer satisfaction in New England and the second-best nationwide score for claims satisfaction in J.D. Power research. 23 The organization is our second choice for the greatest vehicle insurance for senior citizens as a result.
Amica is a mutual insurance firm, meaning that its policyholders, not stockholders, are its owners. As a result, in addition to standard auto insurance plans, it also provides payout coverage. With a dividend insurance, you can be qualified to get between 5 and 20 percent of your yearly premium back after your policy ends, depending on your state and the kind of coverage you choose.
Amica provides all the customary discounts, such as claim-free and multi-policy savings, but the company additionally offers a few rewards and ways to save that are based on customer loyalty:
- Loyalty discount:You will save money when you move to Amica if you have been a customer of your current insurer for at least two years. The savings rise with the length of your loyalty; after six years of coverage with both the prior insurer and Amica, you may expect to save up to 10%.
- Good driving rewards: Both separately and as part of Amica's Platinum Choice plan, this supplemental coverage is offered. Points are earned for maintaining your Amica insurance, maintaining a clean driving record, and suggesting Amica to friends and family. Your points can be used to lower or eliminate your deductible or prevent premium increases following a claim (similar to accident forgiveness programs from other insurers).
- Legacy discount:Amica will give your kids a discount once you've had your insurance with them for five years (who must be under 30).
Amica offers a discount for elderly drivers who complete an online defensive driving course and lowers the cost of the course. However, the identical course is offered by GEICO, State Farm, and a number of other insurers, so it's wise to compare prices from other businesses before enrolling in the course.
Amica is our runner-up choice for the best auto insurance provider for older drivers due to its great claims satisfaction ratings and extensive range of discounts.
What We Like
- J.D. Power has rated us well for claims satisfaction.
- Provides policyholders' children with loyalty discounts
- Through the Good Driving Rewards program, you can drive safely and receive accident forgiveness or a lower deductible.
- Accessible dividend-paying policies
What We Don't Like
- No alternatives for usage-based or telematics
- J.D. Power reports that customer satisfaction with the digital experience is below average.
BEST FOR SAFE DRIVERS
State Farm
The biggest auto insurer in the United States is State Farm. It has among of the greatest claims satisfaction rates of any national insurers and is highly rated for customer service in a number of U.S. locations. Local State Farm agents provide individualized assistance, especially if you want to talk about your insurance requirements face-to-face.
Because State Farm provides one of the greatest usage-based discounts we've seen—up to 30%, depending on your state—it is our top selection for safe drivers. By using OnStar in your car or the insurer's smartphone app, you can enroll in the program.
The insurance provider also provides discounts for defensive driving instruction and for requiring all drivers younger than 21 to complete a driver education program, which may assist lower the cost of adding your kids to your coverage.
What We Like
- Use-based safe driver discount of up to 30%
- For in-person assistance, a sizable network of 19,200 local exclusive agents
- Highly rated in terms of claims and general client satisfaction
- Most regions, including the Northwest, Florida, and New York, scored higher than average for customer satisfaction, according to a J.D. Power survey
What We Don't Like
- California, Massachusetts, and Rhode Island do not provide Drive Safe & Save
- Not all states may offer State Farm auto insurance.
BEST FOR PERKS AND DISCOUNTS
Allstate
The following benefits, usage-based insurance plans, and discounts are provided by Allstate, the fourth-largest auto insurer in the United States:
- A claim satisfaction guarantee: It offers you a credit equal to the price of your six-month subscription if you're not satisfied with your claim (available in 43 states).
- Milewise: Retirement-related reductions in driving may benefit from a pay-per-mile program for those who log between 1,000 and 10,000 miles annually.
- Drivewise: A usage-based insurance plan that offers incentives for safe driving could reduce the excess mileage costs associated with road trips..
- Allstate Rewards: Utilize points earned through the Milewise or Drivewise programs to save money and purchase gift cards, daily offers, and other items.
- Classic car insurance: Unusual among historic car insurers, Allstate's classic automobile insurance policy has no mileage limitations.
- Deductible Rewards: Get a $100 discount off your deductible when you sign up, and an additional $100 off for each year without an accident, up to a maximum of $500.
Additionally, Allstate provides 24/7 roadside assistance as a paid per-use option or as an add-on to your policy. Additionally, Allstate's Mexican auto insurance comes with roadside assistance, GAP protection, and medical evacuation protection if you're planning a road trip south of the border.
Allstate provides support through local agents, over the phone, and online. When deciding whether to pay a little bit more for the in-person service, keep in mind that purchasing your policy through a local agent will probably cost you more than purchasing the same policy online.
What We Like
- Claim satisfaction guarantee
- Milewise pay-per-mile option for people who drive less
What We Don't Like
- Depending on your state, Milewise is only occasionally available.
- A local agent may charge more for a policy than an online retailer.
- Claim that not all jurisdictions offer the satisfaction guarantee
- J.D. Power ratings for claim satisfaction are below average.
BEST MEMBERSHIP OPTION
The AARP® Auto Insurance Program from The Hartford
For AARP members who are 50 years of age or older, The Hartford offers auto insurance. The Hartford's AARP Auto Insurance Program is tailored for senior drivers and offers a number of methods to keep rates low through discounts or policy features.
The initial AARP membership fee is $12; subsequent years are $16. Multi-year memberships with auto-renewal and other discounts offer opportunities to save money. Some pretty basic advantages, like lifetime warranties on repairs from approved repair facilities, are available to The Hartford policyholders with their auto insurance.
However, based on your state, you may also be eligible for special benefits, such as replacement coverage for a new vehicle or RecoverCare, which reimburses you for the cost of cooking, cleaning, or other assistance you require following an accident.
What We Like
- unique advantages, such as RecoverCare
- Intended especially for older drivers' requirements
What We Don't Like
- requires AARP membership, which is an additional expense.
BEST FOR OLDER ADULTS WITH LOW MILEAGENationwide
You might no longer need to commute because you've retired, use an e-bike for most errands, or stay closer to home for other reasons. For older people whose odometers don't tally up as many miles as they formerly did, Nationwide is a terrific option. The SmartMiles program uses a telematics device that is mounted on your car to track your mileage and modifies your auto insurance prices accordingly. This type of pay-per-mile scheme is only provided by a select few insurers, and Nationwide's is accessible in 32 states.
Nationwide offers all the customary savings as well. If they haven't been involved in any collisions for the previous three years and successfully finish an approved driving course, drivers 55 and older may qualify for a defensive driving discount in some jurisdictions. SmartRide, a usage-based telematics service that offers up to 40% savings depending on your driving patterns, including the number of miles you travel, is another way Nationwide can help you save money.
According to J.D. Power, Nationwide's claim satisfaction ratings are below average. In various U.S. regions, its overall customer satisfaction scores range from drastically below average to barely below average.
What We Like
- Premium program depending on mileage
- Discount scheme based on usage
- Ratings of claim satisfaction that are above average
What We Don't Like
- Not all states may offer the defensive driving discount or SmartMiles.
- Poor ratings for consumer satisfaction (below-average satisfaction in most regions)
BEST FOR COST-CONSCIOUS DRIVERS
Progressive
Because of the multiple options it offers prospective clients to compare costs and the openness with which it explains how age impacts its auto insurance rates, Progressive is a fantastic choice for older drivers. In our analysis, we discovered that Progressive's pricing are among the lowest for older drivers in several states, with its best average rates for drivers between the ages of 50 and 74. However, a number of additional criteria, including location and driving history, will also affect your actual premium. Additionally, Progressive provides all of the common auto insurance reductions.
Mature drivers frequently practice safe driving behaviors and follow the traffic laws because they have years of driving expertise. If you often drive carefully, Progressive's Snapshot usage-based insurance program may allow you to have lower insurance costs. Consider your driving habits before enrolling, but 20% of participants report an increase.
The company's Name Your Price tool is one distinctive choice. The tool displays the types of coverage that are offered in that price range when you enter the amount you wish to spend for your auto insurance. Then you can fiddle with the choices to find a price and coverage combination that suits your needs.
Although Progressive's overall customer satisfaction scores are generally average, it has below-average overall claims satisfaction rankings when compared to other national insurers.
What We Like
- May provide drivers from 50 to 74 with better rates.
- A usage-based insurance policy could result in price reductions.
- Name A price tool that matches coverage to your spending limit
What We Don't Like
- Rate increases for high-risk drivers could result from the Snapshot program.
- J.D. Power's rating for total claims satisfaction are below average.
Compare Providers
| PROVIDER |
WHY WE PICKED IT |
| GEICO |
Best Overall |
| Amica |
Runner-Up, Best Overall |
| State Farm |
Best for Safe Drivers |
| Allstate |
Best Perks and Discounts |
| The AARP Auto Insurance Program from The Hartford |
Best Membership Program |
| Nationwide |
Best for Low-Mileage Drivers |
| Progressive |
Best for Cost-Conscious Drivers |
Frequently Asked Questions
Who Qualifies as a Senior?
There is no clear definition of "senior" or "older adult" in the context of auto insurance. Some businesses, like The Hartford, only provide auto insurance to AARP members who are 50 years of age or older, while others give senior drivers exclusive discounts. However, the majority of auto insurance providers just take into account your age when determining your overall premium. As a result, you probably won't qualify for a senior discount on your auto insurance just because you've reached a significant birthday.
How Does Seniors' Auto Insurance Differ?
Older folks can use auto insurance coverage in the same way that people of other ages can. The price can be the sole distinction. Older folks may be eligible for reductions depending on their age or by taking additional actions like finishing a course on safe driving or driving less. Other discounts offered by your insurance plan, such as those for accident-free driving, will function exactly as they did prior to your eligibility for senior citizen vehicle insurance discounts.
What Does Senior and Older Adult Auto Insurance Cost on Average?
Although certain personal circumstances, driving history, and geography will have an impact on your vehicle insurance costs, in general, as you become older, your premiums should go down or stay the same. According to statistics, people in their 50s and 60s had the lowest rates for vehicle insurance. You could be able to get better rates as you get older because of:
- The amount of rebates you are eligible for
- Your driving history
- We anticipate fewer claims.
- When you retire, you drive less.
As always, we advise comparing quotes from many insurers to determine which ones provide the best value and coverage for your specific needs.
Due to a higher chance of accidents, drivers in their 70s may experience rising premiums. For instance, according to our study, rates rise by $300 to $500 on average for drivers between the ages of 60 and 75, and Progressive reports that prices start to rise for those who are above 75. It might be even more beneficial to compare estimates from your current company and a few others if you're in or nearing your 70s.
How Can an Older Adult Lower Their Car Insurance Costs?
By comparing prices, older folks can lower their auto insurance premiums. Ask your existing insurer whether you qualify for any additional savings based on retirement, age, driver safety training, mileage, or dropping children off your coverage as they leave home as you approach a milestone birthday like 50, 60, or 70.
While you're about it, get rates from a few more of the organizations on our list of the top car insurance for seniors. Long-term savings may result from switching to a different insurance. Just be sure to think about if you'd be bidding a loyalty discount farewell.
How We Selected the Best Auto Insurance Providers for Seniors
The performance of each insurance business was examined in order to determine which was the best option for senior drivers. These categories included stability and dependability, client contentment, claims service, customer complaints, and policy options. We looked into the financial stability of each insurance firm using AM Best's ratings.
Utilizing numerous websites and unbiased research, such as the 2022 J.D. Power Auto Claims Satisfaction Study, Auto Insurance Study, Insurance Shopping Study, and Digital Experience Study, we also took each insurer's reputation into consideration. These rankings provide information on each insurer's track record for claims and customer service.
Then, we looked up the savings and advantages that best suited the lives of older persons on the websites of each insurer. We identified the businesses that had the most potential for earning benefits or incentives while offering reasonable pricing and discount opportunities. Finally, we considered each insurer's key advantages to determine who might be most satisfied with each of our top choices. As always, we advise comparing quotes from various insurers to identify the one that offers the greatest value and coverage for your needs and region.
