2024-01-01 · auto, personal, seniors, comparison

Best Auto Insurance for Seniors Over 65

Overview

Seniors often benefit from lower annual mileage, safe driving habits, and loyalty discounts. The best policies balance affordability with strong coverage and supportive claims service.

Features seniors should prioritize

• Accident forgiveness: protects rates after a first incident.
• Medical payments/PIP: helps with injury-related expenses.
• Roadside assistance: useful for older vehicles or longer trips.
• Flexible deductibles: adjust for fixed-income budgets.

How to compare options

1. Ask about mature driver discounts or safety course savings.
2. Compare customer service ratings for claims responsiveness.
3. Check mileage-based pricing if you drive fewer miles.
4. Bundle policies to lower total premiums.

Common coverage needs

• Higher liability limits to protect retirement assets.
• Comprehensive and collision if the car still has significant value.
• Rental reimbursement for longer repair timelines.

Tips for keeping premiums low

• Complete an approved defensive driving course.
• Review coverages annually as driving habits change.
• Maintain a clean record and continuous coverage.

Frequently asked questions

Do seniors pay more for auto insurance? Rates can rise at older ages, but discounts and low mileage can offset increases.

Is usage-based insurance safe for seniors? Yes, as long as you’re comfortable with driving data collection and tracking.