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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 Allstate $99/month Get a Quote
    Alaska Allstate $223/month Get a Quote
    Arizona Safeco $97/month Get a Quote
    Arkansas State Farm $83/month Get a Quote
    California Esurance $97/month Get a Quote
    Colorado State Farm $76/month Get a Quote
    Connecticut State Farm $105/month Get a Quote
    Delaware State Farm $137/month Get a Quote
    Florida State Farm $123/month Get a Quote
    Georgia State Farm $93/month Get a Quote
    Hawaii State Farm $76/month Get a Quote
    Idaho State Farm $47/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 Allstate $225/month Get a Quote
    Maine State Farm $59/month Get a Quote
    Maryland State Farm $148/month Get a Quote
    Massachusetts Plymouth Rock Assurance $55/month Get a Quote
    Michigan State Farm $200/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 State Farm $77/month Get a Quote
    New Hampshire State Farm $72/month Get a Quote
    New Jersey Esurance $137/month Get a Quote
    New Mexico State Farm $77/month Get a Quote
    New York State Farm $148/month Get a Quote
    North Carolina Allstate $99/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 Allstate $223/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 Allstate $140/month Get a Quote
    Vermont State Farm $73/month Get a Quote
    Virginia State Farm $61/month Get a Quote
    Washington Safeco $90/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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