Older people tend to pay more for car insurance, but these discounts and strategies can help you keep rates low. That said, based on Progressive data on how age affects insurance rates, auto insurance for seniors generally only starts to increase at age 75 or older. Even so, the average premium for people over 75 is still lower than the premiums for people in the 45-49 age range. Insurance rates tend to be higher for older drivers, especially those over 65, because insurers often consider older drivers to represent a greater risk on the road.
Many insurance companies offer discounts for older drivers, especially those who complete a defensive driving course. In other words, these are the car insurance companies considered best for older people, chosen by older drivers themselves. That's why it's important for older drivers to carefully compare their options and choose a policy that balances costs with the right level of protection. However, some insurance companies offer affordable rates for older drivers with fines on their records. Before joining Kiplinger in 2025, he wrote blogs and white papers for financial advisors and reported on everything from the latest business news and investment trends to the best buying offers.
In her previous positions, she was director of communications for studying abroad, director of content projects for higher education and finance websites, reported on art and culture, and was managing editor of an online publication on health and well-being. For older drivers with a history of driving under the influence of alcohol, finding affordable car insurance can be a challenge, but not impossible. Geico, for example, offers up to 22% off most coverage if you've been accident free for five years. This allows insurers to accurately assess the appropriate mileage for each vehicle, which could result in lower premiums for drivers who travel fewer miles, Mckenzie says.
According to national data from Progressive, the cost of car insurance in most states for older people tends to start rising at age 75. Many states require discounts for older drivers who enroll in and complete state-approved driving courses. This contradiction underscores the importance of older drivers comparing rates every year or two to ensure they get the most coverage possible for their money. If you take AARP's online course for smart drivers, you could get a multi-year discount on your car insurance policy. In addition, successfully completing the AAA Driver Improvement Program, designed to reduce the risk of older people driving behind the wheel, can also lower premiums for sure.
Below are insurers that offer affordable car insurance options for older drivers, adapted to their annual mileage.
