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Find Low Cost Auto Insurance For Seniors

If you’re looking for cheap auto insurance for senior citizens, you’ve probably noticed that there are dozens of companies vying for your business. So how can you separate the wheat from the chaff to find the best policy for your needs?

To help you save time, our team compared car insurance quotes from nine top providers to help you find low cost auto insurance for seniors. In the table below, you will find the results of our study:

State Cheapest Insurer Monthly Premiumestimated
Alabama Geico $/month Get a Quote
Alaska State Farm $68/month Get a Quote
Arizona Geico $/month Get a Quote
Arkansas Geico $/month Get a Quote
California Geico $/month Get a Quote
Colorado State Farm $76/month Get a Quote
Connecticut Geico $/month Get a Quote
Delaware Geico $/month Get a Quote
Florida Geico $/month Get a Quote
Georgia Geico $/month Get a Quote
Hawaii Geico $/month Get a Quote
Idaho Geico $/month Get a Quote
Illinois State Farm $69/month Get a Quote
Indiana State Farm $68/month Get a Quote
Iowa State Farm $56/month Get a Quote
Kansas State Farm $72/month Get a Quote
Kentucky State Farm $78/month Get a Quote
Louisiana Geico $/month Get a Quote
Maine Geico $/month Get a Quote
Maryland Geico $/month Get a Quote
Massachusetts Plymouth Rock Assurance $55/month Get a Quote
Michigan Progressive $185/month Get a Quote
Minnesota State Farm $78/month Get a Quote
Mississippi State Farm $85/month Get a Quote
Missouri State Farm $84/month Get a Quote
Montana Allstate $128/month Get a Quote
Nebraska State Farm $66/month Get a Quote
Nevada Geico $/month Get a Quote
New Hampshire Geico $/month Get a Quote
New Jersey Geico $/month Get a Quote
New Mexico State Farm $77/month Get a Quote
New York State Farm $148/month Get a Quote
North Carolina Progressive $49/month Get a Quote
North Dakota State Farm $59/month Get a Quote
Ohio State Farm $63/month Get a Quote
Oklahoma State Farm $91/month Get a Quote
Oregon State Farm $88/month Get a Quote
Pennsylvania Allstate $137/month Get a Quote
Rhode Island Geico $/month Get a Quote
South Carolina Allstate $115/month Get a Quote
South Dakota State Farm $58/month Get a Quote
Tennessee State Farm $72/month Get a Quote
Texas State Farm $102/month Get a Quote
Utah Progressive $87/month Get a Quote
Vermont State Farm $73/month Get a Quote
Virginia State Farm $61/month Get a Quote
Washington Geico $/month Get a Quote
Washington, D.C. State Farm $91/month Get a Quote
West Virginia State Farm $69/month Get a Quote
Wisconsin State Farm $72/month Get a Quote
Wyoming State Farm $56/month Get a Quote

STUDY METHODOLOGY

The senior driver in our study was 65 years old and drove a 2014 Toyota Corolla 4,000 miles per year. The driver had a clean accident record and had not been cited for any major traffic offenses in the past five years. The monthly premium estimates are based on averages for female and male drivers from five zip codes in each state. The insurance policy used in our study included liability limits of 50/100/25 and the same limits for uninsured motorist coverage.

Useful Facts And Statistics For Senior Drivers

  • The number of drivers age 65 and older reached 40 million in 2015. That marks a 50% increase compared to 1999.
  • Older drivers between the ages 65 and 74 are more likely to wear their seat belts than younger adults. Senior citizens are also less likely than younger adults to drive in poor weather conditions.
  • There is a lower incidence of alcohol-related accidents among senior drivers compared to young adult drivers.

Are Older Adults More Likely To Be Involved In Car Accidents?

No. Although the risk of being involved in a fatal crash starts to increase when drivers reach the age 70 to 74, that fact is attributed to a higher vulnerability to fatal injuries rather than a reduction in driver performance. However, any age-related reduction in vision or cognitive performance could increase a driver’s risk of being involved in a collision.

What Can Senior Citizens Do To Reduce Their Risk Of Being Involved In A Car Accident?

The following steps will help older adults reduce their risk of being involved in a motor vehicle accident:

  • Exercise regularly
  • Undergo regular vision tests
  • Do not take medications that cause drowsiness before driving
  • Avoid driving in poor weather
  • Try to drive only on well-lit roads
  • Maintain a safe following distance at all times

 

Find Low Cost Auto Insurance For Seniors

Regular exercise, vision tests, and medication management will help seniors reduce their risk of being involved in accidents.

What Are Some Medical Conditions That Could Affect An Older Adult’s Driving Performance?

The following medical conditions could affect a senior citizen’s performance behind the wheel:

  • Cataracts
  • Diabetes
  • Glaucoma
  • Macular Degeneration
  • Parkinson’s Disease
  • Sleep Apnea
  • Stroke
  • Arthritis
  • Alzheimer’s Disease

 

 

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