To qualify for any car insurance discounts targeting seniors, you must be at least age 50. If you are unable to get a standard insurance policy, Dairyland insurance might be a good option. Their Prime Time contract can be added to new policies or to renewal policies. If you are in an accident and need help with household chores such as walking the dog or cooking, RecoverCare kicks in and covers the cost of these services if Medicare doesn’t. We narrowed the list down based on factors such as costs, potential senior discounts, the experience of the insurance carrier, and what the company’s current customers have to say about each one. The average cost of auto insurance for seniors is between $1,300 and $1,600 annually. If you’re often on the road, you have probably learned how to be a safe driver, and you will save money through State Farm’s Drive Safe and Save program, which gives you up to a 50% discount after they’ve analyzed your driving abilities through their app. Qualifying for a Prime Time contract is relatively easy: you must be at least 50 years old, your policy can’t have anyone under age 25, you must not have had any violations or accidents within the past three years, and the vehicle can’t be used for business. Read the full review: Allstate Car Insurance. But, seniors are not necessarily limited to these options. With age comes wisdom, so you probably know by now that it pays to comparison shop. No matter what policy you choose, you should also make sure to get regular physicals to make sure you are healthy enough to drive, and to understand the side effects of any medications you are taking. If you’re a safe driver and are looking to save even more, you can get a discount just because you use their Drivewise app to track your driving habits – and another discount every six months that you keep driving safely. Basically, you get discount after discount just for being yourself! Though it may not hold true for you personally, on average, older drivers are more prone to accidents due to slower reflexes and other age-related changes. Learn about our independent review process and partners in our, Best for Occasional Drivers: Metromile Insurance, Best for Multiple Policies: Farmers Insurance Group. Below the table, you can read about our top picks for auto insurance for seniors. Of all the nonstandard car insurance companies, Dairyland consistently has the fewest number of customer complaints, making it a good option if you need this type of coverage. Farmers Insurance Group provides insurance for automobiles, homes, motorcycles, businesses, and even offers life insurance. We teamed up with MediaAlpha to help you get quotes from the following car insurance companies. The Hartford has a 24/7 claims hotline and is consistently rated highly for their customer service. If you only drive for part of the year, you may want to consider a plan that is designed for those who drive fewer than 10,000 miles per year. In addition to age, the total cost will depend on factors such as vehicle model and age, driving history, insurance provider, and the state you live in. We reviewed the best life insurance for seniors based on type, price, coverage, and more. That same device can also help you find your parked car and calculate your gas mileage, and the app that it comes with can give you alerts on no parking times so that you can avoid getting unnecessary tickets! Their customer satisfaction ratings are among the highest in the industry, and they receive far fewer complaints. If you purchase Chubb insurance, you and the insurer can agree on how much your car is worth to you rather than having to settle for the market value of the vehicle if it is stolen or totaled. Farmers also offers a senior defensive driver discount for policyholders as low as 55 years of age (the specific age depends on the state). Senior Citizen Health Insurance is a medical insurance policy that offers medical coverage to individuals between the age group of 60 and 75 years. Why should you have to drive around extremely cautiously just because you made an investment in a classic car and your insurance company does not understand its true value? Older people who are injured in accidents also take longer to recover and are therefore more expensive to treat if they are injured. Read the full review: State Farm Car Insurance. If you’re planning to switch from another insurer, you can qualify for a discount if you switch with no lapse in coverage. GEICO can also save you money when you purchase a new car and they offer accident forgiveness after your first at-fault accident which means you won't have to worry about sky-rocketing rates. How We Chose the Best Car Insurance Companies for Seniors, The 8 Best Car Insurance Companies of 2020, How to Reduce Your Car Insurance Premium While Working From Home. She has been a licensed Personal Lines Insurance Agent since 2005. It depends on the state and how much you drive. We looked at more than two dozen of the best car insurance companies and narrowed the list down to our top 10 companies that offer car insurance for seniors. If you are an older driver, you should also make sure to keep your license up to date: many states will require you to renew it every four to five years. This may vary by insurance company, but generally your discount will start at age 50 and the amount of the discount will go up every five years until age 65. You also get automatic discounts for paying your premium in full or owning your own home. Emily Delbridge wrote about car insurance and loans for The Balance from 2011 to 2020. One downside is that Metromile is only available in California, Illinois, Oregon, Pennsylvania, Virginia, New Jersey, Arizona, and Washington. To qualify as a senior, you have to meet specific age requirements the insurance carrier establishes. These risk factors all combine to lead to rising premiums.

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