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Cheapest Car Insurance Companies for Senior Citizens

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At PennyGeeks.com, our #1 goal is to provide users with reliable data and recommendations that help them find the best car insurance and products for their needs. However, to keep our site up and running, we do receive commission from some of the companies that appear on this page. This in no way influences the advice we provide, which is based on tireless research by our dedicated team.

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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:

StateCompany
AlabamaAllstate
AlaskaAllstate
ArizonaSafeco
ArkansasState Farm
CaliforniaEsurance
ColoradoState Farm
ConnecticutState Farm
DelawareState Farm
FloridaState Farm
GeorgiaState Farm
HawaiiState Farm
IdahoState Farm
IllinoisState Farm
IndianaState Farm
IowaState Farm
KansasState Farm
KentuckyState Farm
LouisianaAllstate
MaineState Farm
MarylandState Farm
MassachusettsPlymouth Rock Assurance
MichiganState Farm
MinnesotaState Farm
MississippiState Farm
MissouriState Farm
MontanaAllstate
NebraskaState Farm
NevadaState Farm
New HampshireState Farm
New JerseyEsurance
New MexicoState Farm
New YorkState Farm
North CarolinaAllstate
North DakotaState Farm
OhioState Farm
OklahomaState Farm
OregonState Farm
PennsylvaniaAllstate
Rhode IslandAllstate
South CarolinaAllstate
South DakotaState Farm
TennesseeState Farm
TexasState Farm
UtahAllstate
VermontState Farm
VirginiaState Farm
WashingtonSafeco
Washington DCState Farm
West VirginiaState Farm
WisconsinState Farm
WyomingState Farm

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.

FAQs About Cheap Car Insurance for Seniors

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