What discounts and savings are available for senior drivers?

The Hartford offers several discounts for senior drivers, including Paid-in-Full Discount, Safety Feature Discount, Safe Driver Training Discount, and Defensive Driver Course Discount.

Is Auto Insurance Cheaper After 65?

Q: Does car insurance get cheaper as you get older?

Generally, car insurance rates may be lower for drivers who are 50-69 years old. However, after age 70, rates may increase as the risk of being involved in an accident rises.

Q: What is the cheapest car insurance for seniors over 60?

The Hartford’s customers between the ages of 60-69 pay an average of $1,517 a year, or about $126 a month, for car insurance coverage. It's important to review coverage amounts and policy details to ensure they meet your needs.

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Key Takeaways

Customers of The Hartford customers pay between $158 to $196 on car insurance per month, on average.²
Car insurance costs are influenced by many different factors, like your vehicle type, location and driving history.
The Hartford offers exclusive benefits and discounts just for AARP members, including saving nearly $1,000** just for bundling your auto and home insurance.

Does Car Insurance Get Cheaper as You Get Older?

Generally, studies show that senior drivers are relatively safe behind the wheel, driving fewer miles and modifying their driving habits in poor driving conditions. These safe driving behaviors can qualify them for car insurance discounts for seniors. However, as a driver’s age increases, so does their risk of being involved in an accident. Therefore, car insurance rates for seniors may increase as they age. To learn more about car insurance costs and get your personal AARP member quote, call The Hartford at 888-546-9099.

What Is the Cheapest Car Insurance for Seniors Over 60?

Customers of The Hartford between the ages of 60-69 pay an average of $1,517 a year, or about $126 a month, for car insurance coverage.² However, it’s important to remember that the cheapest car insurance may not always be the best fit for you. You should review your coverage amounts and policy details to make sure you’re getting the protection you need in case an accident occurs.

The Hartford’s customers pay the following average prices for car insurance:²

Age	The Hartford Avg. Annual Premium	The Hartford Avg. Monthly Premium
50-59	$2,349	$196
60-69	$2,001	$167
70+	$1,889	$158

Car Insurance Discounts and Savings for Seniors

The Hartford knows how important it is to have car insurance that not only protects you on the road but is also affordable. The AARP Auto Insurance Program from The Hartford offers car insurance discounts for mature drivers, including:

Bundle Discount: You can save nearly $1,000** just by bundling your auto and home insurance policies with The Hartford.
Good Payer Discount: You can save up to 10% just for paying your bill on time.
Paid-in-Full Discount: Extra discounts apply if you pay your bill in full instead of making monthly payments.
Quote Online Discount: When you start a car insurance quote from The Hartford online, you can save up to 8%.
Vehicle Fuel Type: At The Hartford, it’s not just how you drive, it’s what you drive. You may get extra auto insurance driver discounts if your car.

The Hartford also offers discounts related to safe driving and driver education and training, like:

Drive Safe and Save: Drive your price with our TrueLane Program.^{^} You’ll save up to 15%^{^} when you sign up within 60 days of your first policy. Plus, you could earn a renewal discount of up to 40%, depending on your safe driving habits. Riskier habits may result in a higher premium.
Safety Feature Discount: Receive an additional savings if your car has anti-lock brakes, more than one airbag or other safety features.
Safe Driver Training Discount: You can save on car insurance rates for drivers under 21 years old (under 25 in Georgia) if they complete an approved training course.
Defensive Driver Course Discount: By finishing an approved defensive driver course, you’ll enjoy discounts on car insurance for the next three years.

Get a Quote for Car Insurance for Seniors

For over 40 years, The Hartford has offered exclusive benefits and discounts to AARP members through the AARP Auto Insurance Program from The Hartford, including saving up to 10% on your auto insurance by simply being a member.^† You can count on The Hartford to be there when you need us most. Call 888-546-9099 to get your custom quote today.

Common Questions About Car Insurance Costs as You Get Older

Does Your Car Insurance Go Down at 25?

Younger drivers typically pay higher insurance costs compared to older drivers, as rates may start to decrease as you get older. Drivers who are under 25 years old may pay more for car insurance, according to the Insurance Information Institute (III).³However, driving history plays a large part in calculating insurance costs.

Does Gender Impact Car Insurance Costs?

Yes, gender may impact car insurance costs. According to the III, women may pay lower car insurance costs than men, because they tend to have fewer and less serious accidents.⁴

Does Marital Status Impact Car Insurance Costs?

Since married drivers are generally considered to be safe drivers and financially stable, they may pay lower car insurance premiums.

² Auto insurance rates by age range from 9/1/24 to 8/31/25.

³ Insurance Information Institute (III), “What Determines the Price of an Auto Insurance Policy?”

⁴ Bankrate, “Auto Insurance Rates by Age in 2024”

^{^} Not available in all states, terms and conditions apply.

^† Average annual savings are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences from AARP members and non-members vary by state and AARP membership tenure.

** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. 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).

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