Senior Citizen Car Insurance

Age is one of the main factors that determine auto insurance rates. Teenager between the ages of 16 and 19 pay the highest rates, these rates generally go down in the 20s and are lowest in the 50s. After the 50s, the rates go up again.

Who is considered a Senior Citizen Driver?

Senior citizen drivers form about 9% of drivers (approximately 19 million) in the US. This group of drivers is the fastest growing and will rise to about 30 million by the year 2020. The approximate age to be considered a senior citizen driver is 65. Despite the years of driving experience, this age group is causes many road crashes because of reasons explained below:

Physical Impairments

Aging is related to diminishing ability to see not only at night but also during the day. Sight being the most important sense in driving, the elderly is more likely to cause accidents. In fact, it is a requirement in all states for older drivers to undergo sight evaluation tests when applying for license. Cognitive and the ability to make quick decision on the road often diminish and affect your ability to drive safely.


Unlike teenagers, senior citizens rarely use drugs for leisure purposes; drugs are prescribed to them for medical reasons. Take an example of benzodiazepines commonly used to treat insomnia among the elderly, this drug causes side effects such as:

  • Confusion.
  • Dizziness.
  • Daytime sleepiness.
  • Poor reflex and motor co-ordination.
  • Impaired memory.

These side effects make driving unsafe for the elderly.

The elderly are more likely to get seriously injured and even die after an accident. Statistics show that accidents involving senior citizen drivers kill the most number of pedestrians.

Reducing your car insurance rates for senior citizen driver

Defensive Driving Lessons

Defensive driving courses help to refresh your driving skills as a mature driver. These courses take a period of 2 days and cost less than $ 30. In many states insurers are mandated to offer discounts to all drivers who have undergone the course. The discount is usually 10% and you are entitled to it for up 3 years after taking the defensive driving lessons.

Driving Record

A good driving record is an asset for a senior citizen driver. The years of driving experience and more so a clean driving record will definitely lower your rates.

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Discounts for driving less

It goes without saying than if you spend less time on the road, you are less likely to be involved in accident. Unlike young people, the elderly do not work and hence driving to and from work is out of question. Be sure to tell your insurer about the estimated driving period per week. This could entitle you to discounts. Other discounts to explore include:

  • Retirement discounts.
  • Discounts for sticking with your provider for long.

Add Safety Features to your Car

As pointed out earlier, the elderly are at high risk of being injured during an accident. This risk is reduced massively by installing safety features in your car. Most insurers will reward this decision by lowering insurance rates for you.