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All You Need to Know About Seniors Car Insurance

It's a smart time to become more conscious of how you spend your money and whether you're having good value for it as you plan to enjoy the retirement life. That applies to both the policies for your car and your retirement funds. You should make sure that you receive the necessary coverage depending on the value of your car. Based on your driving experience, you can also select a policy that suits your lifestyle and provides the incentives and discounts you deserve.

How do you decide which insurer can give you the best value for the buck with so many auto insurance options out there? We've put together a list that not only looks at coverage, but also factors in all discounts that directly favor seniors and the numerous incentives that are provided with your seniors’ car insurance policy.

The Hartford: Best Overall Seniors' Car Insurance

The Hartford AARP® Auto Insurance Program has been providing automobile insurance solely to AARP customers since 1984. While this suggests that The Hartford caters solely to the 50 and older demographic, it does not take away from the great reviews the company has. A regular feature on the J.D. Power list, Hartford regularly receives above-average customer loyalty scores, and the financial strength of the firm remains high.

Pros & Cons

The Pros:

  • Specially targeted at the 50 and older audience
  • Excellent coverage and discounts
  • Claims service 24/7
  • RecoverCare can help with household support in the event of an injury arising from an accident

The Cons:

  • Policies in most states that are only open to AARP members
  • Do not have the lowest base prices

Coverage Types

Thanks to an agreement with The Hartford, AARP provides car insurance to its customers whose auto insurance plans have comparable coverage to most insurers' regular policies. Regardless of this, the Hartford plans of the AARP® Car Insurance Program offer a range of additional incentives, including:

  • Roadside support 24/7
  • Hotline with 24/7 claims, reached by phone or online
  • RecoverCare to help pay for travel, cooking, washing, and other expenses after an injury arising from an accident
  • Replacement of a new vehicle if the new car is finished in the first 15 months or 15,000 miles (whichever comes first).
  • 12-Month Cost cover, which for one-year locks down your auto insurance premium (rather than the standard six months)
  • Assurance of lifetime auto maintenance if the car is repaired at an authorized shop
  • With the Benefits Plus strategy of The Hartford, you can add the following extra coverage:
  • Forgiveness of first-accident, which means that the first accident will not affect your premiums
  • You maintain a clean driving record for vanishing deduction for each year
  • Deductible waiver if an injury is not your fault
  • When an accident involves harm to your house and automobile, one deductible on two vehicles on your insurance policy

Deals on Seniors' Car Insurance

Since the Hartford policy's AARP Auto Insurance Package is primarily aimed at AARP holders, their vehicle insurance plans are already at a reduced rate. The following discount opportunities can support drivers aged 50 and older:

  • For bundling your house, apartment, or rental policies with your auto insurance policy, you can earn a 20 percent discount.
  • When you pay your entire six-month or yearly premiums in full, you will earn an extra discount.
  • For safety equipment such as side airbags, as well as for driving eco-friendly cars such as hybrids or battery vehicles, you'll get extra discounts.

Availability and Limitations

While Hartford is an auto insurance company that has a wide reach, it is not available in all states. Residents of Hawaii, Massachusetts, Michigan, and New Jersey natives would not be eligible to sign up with The Hartford for auto insurance. In Alaska, Louisiana, Mississippi, North Dakota, or Rhode Island, homeowner plans are not valid, so seniors who opt for auto insurance there will not be eligible to take advantage of the discount plan. The other big drawback, of course, is that only AARP participants can take advantage of this particular Hartford policy.

Customer Satisfaction Information

Since the bulk of auto insurance clients of The Hartford are 50 and over the business regularly earns strong customer loyalty marks. In reality, relative to the J.D. Power list, The Hartford ranked 6th out of 25 major insurance providers Power 2019 Auto Claims Satisfaction Study.2 In comparison, for mid-size insurance firms in J.D., The Hartford took the top spot.

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The General: Best for seniors' car insurance with cheap prices

You'll want to look into choosing a policy with insurance industry giant The General if you're looking for an auto insurance provider that regularly provides some of the lowest premiums in the market. What's more, in the J.D. Power list, The General achieved the top spot.

Pros & Cons

The Pros:

  • Consistently smaller prices than the bulk of competitors
  • Automatic Renewal Program primarily targeted at persons 50 and older
  • Accident pardon for qualifying clients

The Cons:

  • Almost exclusively online-based

Coverage Types

Established as one of the leading insurance companies in the world, with all the standard forms of coverage, The General provides very robust auto insurance plans. Additionally, The General provides clients with many benefits and add-on policies, including:

  • Emergency Roadside Assistance
  • Reimbursement for Leased Vehicles
  • Insurance for Mechanical Breakdown
  • Coverage on Rideshares
  • Accident Forgiveness
  • Glass Breakage Coverage

In addition to this, The General provides a distinctive auto insurance package expressly targeted at the 50+ audience. Popularly called the Prime-Time Contract, this package guarantees immediate renewal for The General consumers above the age of 50 as long as you keep an insurance policy with The General. The only condition you'll need to fulfill for this program is that you cannot have drivers under the age of 25 on your auto insurance, have been accident-free for the three years before you file, and do not use your vehicle for commercial purposes.

Deals on Seniors' Car Insurance

While The General does not provide any discounts exclusively for individuals over the age of 50, they do provide a few discounts that people are likely to apply for in this age group, including:

  • Driving records discounts for healthy drivers of up to 25 percent
  • Multi-car and multi-policy savings of up to 25% for those who package insurance or other forms of coverage for their car and homeowners through The General
  • For newer cars fitted with such safety measures, automotive equipment discounts of up to 25 percent

Availability and Limitations

In all 50 U.S. states and the District of Columbia, The General car insurance is eligible, meaning you can get The General coverage regardless of where you live. The General does not, however, protect any high-risk drivers, so before making the move to The General, it's worth getting an online quote.

Customer Satisfaction

As one of the industry's leading auto insurance firms, The General strives tirelessly to retain exemplary consumer loyalty scores and claims satisfaction. The business has not only taken the top spot in J.D. Power's list, it was also in the Top 5 for many years running. In comparison, The General has an A+ ranking with the Better Business Bureau (BBB) and an A++ rating in financial performance from A.M. Power's 2019 Claims Satisfaction Report.

USAA: Best Seniors' Car Insurance for Veterans

If you or your partner have worked in the military, then take a look at USAA for car insurance. Not only does the business deliver some of the industry's lowest costs, but most also ranks high in customer loyalty and handling of claims. And since it is accessible in all 50 states, for someone who is preparing to move for retirement, USAA is a convenient option.

Pros & Cons

The Pros:

  • Very competitive prices
  • Good scores on customer service
  • Provides banking and other commodities

The Cons:

  • Only open to the troops and their relatives

Coverage Types

As one of the nation's top-rated insurance companies, USAA covers all the standard auto insurance plans. You would need to meet the insurance standards of your state. In addition, USAA provides Lyft and Uber drivers with rideshare coverage, 24/7 roadside assistance, and towing coverage. USAA clients can also package the policies of their vehicle and landlord or pick other covers, such as life insurance, rental or apartment insurance, and boat insurance.

The incentives that USAA participants enjoy are one of the strongest elements of USAA auto insurance. USAA, for instance, provides consumers with payment versatility, meaning they can pick payment periods that suit their pay plan. At any moment, through its website and mobile app, USAA offers you easy access to your policy. You may be eligible for injury forgiveness, auto purchase aid for new vehicle sales, and other membership benefits.

Deals on Seniors' Car Insurance

While USAA provides some of the industry's lowest fares, it also offers discounts, some of which specifically help older drivers out. For veterans who have been USAA members for 40 or more years, the senior benefit is a special discount. Multi-car and multi-policy discounts help save money for people with multiple vehicles or combined car and homeowner plans. For those with vehicles that are less than three years old, new vehicle discounts are eligible. For those who only travel a certain amount of miles each month, reduced rates depending on mileage are eligible.

Availability and Limitations

In all 50 states; Washington, D.C.; and some overseas areas, USAA auto insurance is available (subject to eligibility and underwriting approval). Again, however, to apply for USAA health and other member perks, you or your partner must be a veteran.

Metromile: Best seniors car insurance plans suited to occasional drivers

Standard auto insurance just doesn't make sense for retirees who live in retirement communities or never use their vehicles. Fortunately, Metromile has programs primarily targeted at drivers who clock up fewer than 10,000 miles a year, making it the perfect option for experienced drivers who only rarely venture out on the track.

Pros & Cons

The Pros:

  • High prices depending on the real monthly drive time
  • Parking and car repairs were supported by intuitive tools and a mobile app.
  • Claims service 24/7

The Cons:

  • Accessible in eight states only
  • Not a perfect long-distance driving choice

Coverage Types

The same basic coverage that most other auto insurance providers have is provided by Metromile. Its payment system, however, behaves differently. Metromile splits its auto insurance premiums into two elements instead of charging you a flat rate per month: a base premium and a per-mile fee depending on your driving. Typical variables such as age, driving history, and credit score decide the base rate and cost per mile. Then the Smart Driving app from Metromile tracks your mileage with a system that the company plugs into the diagnostic port of your vehicle. Each month, the premium will adjust, with the amount equal to the average per mile compounded by the number of miles that you drove that month.

Wat's more, the following add-on benefits are provided by Metromile:

  • Rental refund if the vehicle ends up in the repair shop following an accident ($30 a day to rent a car for up to 30 days)
  • Coverage for roadside assistance and towing
  • If your pet is involved in a traffic crash, pet damage insurance of up to $1000 (not available in Illinois and Virginia)
  • When you buy extensive coverage, no-deductible window repair

The unit from Metromile is mounted in the diagnostic port of your car, but with its app, you get some benefits, such as the ability to find your parked vehicle and a car health report that checks whenever you inquire.

Deals on Seniors' Car Insurance

For the number of miles you travel, Metromile doesn't provide a lot of extra discounts. However, for those who cover more than one vehicle, the insurer does offer a multi-car discount. It also restricts your daily charge to 250 miles (150 miles if you live in New Jersey), even if you regularly wish to take a long road trip, you will not pay excessive fees.

Availability and Limitations

The eligibility of Metromile operates like that of most insurance companies, meaning you would typically apply for coverage unless you're a severely high-risk driver. In Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington, however, Metromile is only accessible. Your car must also have an ODB-II diagnostic port, so to apply, you would need a 1996 or newer model.

Customer Satisfaction

Metromile is not used in most insurance comparative analyses offered on the J.D. Power list, owing to its comparatively limited market share. Control and related departments. Do not underestimate Metromile, though, and it does not indicate that the business is not great in terms of customer loyalty. In fact, not only does Metromile hold an A+ award from the Better Business Bureau, but the business is also certified by BBB—an honor that many car insurance firms do not hold.

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Allstate: Best Discount Choices on Seniors Car Insurance

Allstate has some of the industry's best plans, plus it has a special incentive for policyholders over 55 years of age who retire or work part-time only. This makes Allstate a likely option for those searching for opportunities to pinch pennies through retirement, along with the company's other discount offers.

Pros & Cons

The Pros:

  • Great seniors' deals
  • Numerous benefits for long-term clients

The Cons:

  • Lower prices than many other businesses

Coverage Types

Including umbrella insurance plans, 24/7 roadside help, and new-car repair, Allstate provides practically any car insurance policy you may need. In addition, Allstate provides certain very unique products, such as rideshare coverage for drivers from Lyft and Uber, vintage vehicle coverage for antique vehicles, Mexican travel insurance for those traveling over the border, and aftermarket machinery custom parts coverage.

Allstate delivers multiple benefits free of charge when it comes to extra perks, including:

  • Forgiveness with Accident
  • Secure Bonus for Driving
  • Deductible benefits
  • Service to purchase vehicles
  • Guarantee of Claim fulfillment
  • Seniors' Deals

Allstate offers discount plans that, while receiving excellent insurance benefits, will help seniors save money. In reality, Allstate provides retiring policyholders aged 55 or over with a senior discount, plus multi-car and multi-policy discounts. For automated withdrawals, paperless billing, deferred fees, and added protection features, Allstate also provides rate reductions.

However, with its Drivewise app, which analyzes your driving patterns and gives you rewards depending on how well you drive, one of the easiest ways to save with Allstate is. For using the Drivewise app, you get a 10 percent discount, plus you will net extra discounts of up to 25 percent for healthy driving.

Availability and Limitations

Allstate is the fourth biggest auto insurance provider in the United States, based on written contracts, according to the Insurance Information Institute. Allstate's service is available in all 50 states, and the company has a wide network of local providers willing to help you. Allstate is a pretty good bet for customers who want a reliable, nationally recognized insurance company.

Customer Satisfaction

Allstate's reputation is mixed in terms of client loyalty. Unfortunately, in both the most recent Insurance Shopping Survey and the J.D. Auto Claims Satisfaction Study, Allstate has not done well. Allstate is currently working diligently to settle virtually all of the grievances filed with the BBB.

Adjust your standing as a driver:

Many drivers are beginning to dream about retirement after 65. When you change your driving status from "commuter" to purely driving for fun, most insurers will give you a discount. This ensures that you can significantly minimize the miles you travel per year, which will save you considerable cash. You should pick "leisure" and reevaluate how many miles you'd be commuting in retirement when you get a quote online.

Taking a lesson of defensive driving:

After completing a protective driving lesson, drivers 55 and over will earn car insurance incentives for seniors. To earn premium car insurance rates for veterans, drivers above the age of 55 should take a protective driving course. It is possible to take some of these classes online from the comfort of your own home, while others are taught in person. You will also get senior offers on car insurance by taking lessons from companies such as AAA and AARP. The bulk of courses cost below $20, which is definitely worth the savings on premiums. Note, depending on where you live and the insurance company, the discount rate can vary.

Shop about with coverage for veterans and promotions:

Seniors will get discounts at some car insurance providers as they get older. For starters, in conjunction with AARP, The Hartford provides auto insurance for retirees, as well as special features for policyholders over the age of 50. When you intend to retire, it is important to note that premiums for auto insurance can vary based on the state and community. So, to find the best deals, try matching quotes from different insurers.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs on Auto Insurance for Seniors

What is Seniors' Auto Insurance?

Car insurance for seniors is basically car insurance that includes senior adult discounts but can also include other advantages. Senior discounts are usually offered at age 50 and grow after five years. Usually, seniors with strong driving histories enjoy the highest deals and incentives from all drivers.

How are seniors' car insurance policies different from regular ones?

For retirees, auto insurance is different, and they offer age-specific benefits beginning at age 50, and insurance providers normally look at the long driving record of a senior as a good one and compensate them with reduced premiums. Additional services, such as AARP membership, roadside assistance, rideshare credits, and household assistance, can also be covered by auto insurance for seniors if an illness happens due to a car crash.

How much does seniors' auto insurance cost?

Car insurance premiums for seniors’ range based on a number of attributes, including:

  • Form of covering
  • Number Deductible
  • Type of Insured Car
  • Moving Record Record
  • Place Field
  • Multi-car and multi-policy rebates
  • Number of miles traveled in a year

Is seniors' auto insurance worth the cost?

Most definitely, yes, senior auto insurance is worth the premiums you're paying. Car insurance is legally required for driving an automobile in most states. The mandatory minimum is considered this form of necessary insurance. The risks involved with the purchase of senior citizens' auto insurance would be significantly smaller than the costs and effects of driving without insurance.

Who has the cheapest car insurance for seniors?

As we have stated elsewhere on this page, The General seems to have the cheapest car insurance rates for seniors. Allstate Insurance and Farmers Insurance also have attractive insurance rates for seniors.

What is the best car insurance for seniors?

Hartford seems to offer the best car insurance for seniors overall as we have stated above. State Farm Insurance and Liberty Mutual make the list of honorable mentions. 

Do seniors get a discount on car insurance?

Yes, they do. Drivers over 50 can cash in on the several auto insurance discounts that are available for them. Car insurance discounts for seniors are available for completing defensive driving courses, multiple car insurance policies, retired government workers, etc.

Can seniors find cheap premiums for policies?

While when you are over 65 years old, car insurance premiums will usually go up, you will also receive new benefits and rebate opportunities. A variety of considerations, including rates, discounts and whether an insurer will provide a renewal guarantee, should be weighed by senior citizens looking for car insurance. There are many ways you can keep the cost of car insurance down.

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