Car Insurance for Seniors

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Car Insurance Made for Senior Drivers

car insurance for seniorsThe Hartford understands car insurance needs change as you get older. Whether you’ve changed your driving habits or are looking to buy a new vehicle, car insurance for seniors can provide the coverage you need. There are several things that older drivers can do to save money. With an AARP® membership, you can get great discounts and savings on your car insurance through the AARP Auto Insurance Program from The Hartford.1 The Hartford has earned a reputation of a trusted insurance company for senior drivers.
 

The Best Car Insurance for Seniors

Seniors should look for several factors to find the best auto insurance, like:
 
  • Comprehensive coverage
  • Availability of endorsements and add-on coverages
  • 24/7 roadside assistance and claim service
  • Special discounts for senior drivers
  • High ratings from third-party firms
  • Strong customer reviews
The Hartford knows that every driver has their own unique needs. To learn more about coverage options and benefits for senior drivers, call 888-546-9099 or get a quote online today.
 
 

How Much Is Auto Insurance for Senior Drivers?

senior car insuranceAccording to Bankrate, the average cost of car insurance for seniors is around $1,400-$2,000 per year for full coverage. However, rates can vary based on many factors, including:
 
  • Location
  • Driving history
  • Discounts
The Hartford makes it easy to save money on senior car insurance. The AARP Auto Insurance Program from The Hartford helps AARP members get valuable discounts while offering great car insurance rates for seniors.
 

Ways To Save On Senior Car Insurance

You can access special car insurance discounts for seniors. Some ways to save include:
 
  • Bundling your home and auto insurance policies
  • Having a clean driving record
  • Enrolling in a defensive driver course

Do Car Insurance Rates Increase for Seniors?

Is car insurance cheaper as you get older? Yes and no. In general, studies show that older drivers who are over 50 years old are relatively safe behind the wheel. They typically drive fewer miles and modify their habits in poor driving conditions, which can qualify them for discounts. However, as a driver’s age increases, so does their risk of being involved in an accident. That’s why drivers 70 years and older may pay a higher rate.
 

5 Car Insurance Buying Tips for Seniors

1. Compare Quotes

Car insurance rates can vary by company, so comparing quotes can help you determine if you’re getting the right policy at the right price.
 

2. Look for a Policy Designed for Seniors

As you get older, you’re more likely to find coverage that meets your needs if you look for policies that are specifically designed for older drivers.
 

3. Adjust Coverage To Meet Your Needs

Customizing your car insurance is another great way to make sure your policy is giving you exactly what you want.
 

4. Bundle Your Home and Car Insurance

Bundling homeowners and auto insurance for seniors is an easy way to save money. With the AARP Auto and Home Insurance Program from The Hartford, you can save over $600 just by bundling.**
 

5. Review Requirements in Your State

Coverage requirements and car insurance rates are different in each state. As an example, let’s compare New York (NY), Georgia and Florida.
 
Coverage requirements for car insurance in NY include bodily injury liability and property damage liability insurance. The required minimum coverage limits in this state are:
 
  • $25,000 for bodily injury, $50,000 for a death of a single person per accident
  • $50,000 for bodily injury $100,000 for death of two or more passengers per accident
  • $10,000 for property damage per accident
On average, motorists in NY can expect to pay around $1,445 a year for car insurance, according to the Insurance Information Institute (III).2
 
Car insurance in Georgia also includes requirements for bodily injury liability and property damage liability insurance, but the limits differ in this state. In Georgia, the minimum limits are:
 
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $25,000 for property damage per accident
Auto insurance costs around $1,259 per year in Georgia, according to the III.3
 
Compared to NY and Georgia, car insurance in Florida varies in requirements. In this state, drivers are required to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) at the following minimum limits:
 
  • PIP coverage: $10,000 per person
  • PDL coverage: $10,000 per accident
According to the III, the average yearly cost for car insurance in Florida is $1,414.4
 
The best way to learn about required coverages and costs in your state is to get a quote.
 

Car Insurance for Seniors With The AARP Auto Insurance Program From The Hartford

Since 1984, The Hartford has offered AARP members exclusive benefits and great service through the AARP Auto Insurance Program From The Hartford. Read our customers’ car insurance reviews and see what they think about our program, insurance claims experience and customer service.

Customer Reviews

quote 1
“The cost of my insurance is less than I was previously paying and they treated me like I've been with them for years!”
 
Gina
review 1
quote 2
“The insurance representatives are knowledgeable and took the time to explain the options available. I saved money AND got more coverage.”
 
Patricia
review 2
quote 3
“The customer service was extremely helpful and knowledgeable. Assisted me with how I can optimize the price and save some money especially when I am retiring.”
 
Jeyachandran
review 3
quote 4
“The ease of purchase and the money that I saved were certainly worth making the call to Hartford.”
 
Nancy
review 4
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“Phone call was pleasant and easy, and I saved a lot of money. I originally made the call just to get more info, but I ended up signing up right away!”
 
Sarah
review 5
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“The representative went out of his way to make sure I am getting all of the discounts I am eligible for.”
 
Olivia
review 6

Get a Free Quote From The Hartford

To find out more about the benefits and savings available to you through senior car insurance, get a quote from The Hartford today. It’s so easy that you can do it in minutes.
 
 
Last Updated: March 24, 2023
 
2,3,4 Insurance Information Institute (III), “Facts + Statistics: Auto Insurance”
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.

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Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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