When it comes to auto insurance, there’s no getting around it – it’s a legal requirement. This is especially burdensome for seniors, as car insurance can be costly and strain their budgets. Fortunately, you can purchase many types of insurance, so you can decide which coverage is right for you.
Seniors have plenty of choices when it comes to car insurance. Many insurers offer special discounts, coverages, and policy features tailored to the needs of senior drivers. Not only could these help you save money, but they could also offer you greater peace of mind.
To ensure you make the best decision possible, we’ve compiled a list of the top car insurance providers for seniors in 2023. These have proved highly reliable, with outstanding customer satisfaction ratings and great reputations.
State Farm
As the leading car insurance provider in the U.S., they have won the hearts of hundreds of seniors with their exceptional customer service, affordable premiums, multiple discounts, and high ratings from third parties. Those with a clean driving record, cars with special safety features, and long-term customers are especially likely to benefit from these discounts.
Seniors, take advantage of the amazing savings State Farm has to offer! Bundle your car insurance with some other coverage options they provide and get their multiproduct discount. Get even more savings when you purchase a home, condo, renters, farm, life, or health policy.
GEICO
GEICO is the number one choice for car insurance nationwide, offering unbeatable rates and features tailored specifically for seniors. They have kept premiums low for all drivers by conducting much of their business online.
With policies available for every state and a proven track record of excellent customer service, GEICO is the best choice for drivers of all ages. Their lightning-fast and convenient claim services make them the perfect choice for any driver.
The Prime Time contract is an auto insurance renewal program created by GEICO specifically for drivers aged 50 and above who meet the requirements. With this program, you can be confident that your policy won’t be canceled, even if you receive multiple traffic violations – it’s guaranteed!
GEICO has some fantastic coverage options, including automatic renewal for eligible senior drivers, glass breakage and mechanical breakdown coverage, and rideshare coverage. Plus, you can take advantage of incredible discounts, like up to 25% off for safe driving and healthy drivers, multi-car and multi-policy discounts of up to 25%, and discounts of up to 25% for modern car safety equipment.
Hartford for AARP Members
AARP members nationwide can now receive the benefits that come with exclusive access to Hartford’s special auto insurance policy. Boasting impressive financial strength, outstanding customer service, timely claims handling, and payments, this policy will leave you feeling secure and cared for.
Don’t panic if you ever find yourself stuck on the side of the road – 24/7 emergency roadside assistance has got you covered!
No matter the time of day, their Claims Hotline is available to provide hassle-free assistance around the clock. You can reach us by phone or online for top-notch service 24 hours a day, seven days a week.
If you’ve been injured in an accident, RecoverCare can help you cover travel costs, meals, laundry, and more – taking the financial burden off your shoulders.
If your brand-new car meets an unfortunate fate within the first 15 months or 15,000 miles of your ownership, they will replace it with a new vehicle.
Enjoy the peace of mind of securing your auto insurance premium for the year with Hartford’s 12-Month Cost Cover!
Enjoy a 20% multi-policy discount, save money by paying your premiums in a lump sum, and get an additional discount when you install car safety equipment.
Hartford stands out from the competition with an array of optional coverages that can be tailored to your individual needs.
These include:
- Accident forgiveness
- New car replacement
- Glass coverage
- RecoverCare coverage
- Lifetime car repair assurance
- Gap insurance
- Vanishing deductible
- 24/7 emergency roadside assistance
USAA
As a senior who served in the military or a family member of a current or former service member, you could be eligible for some incredible rates and discounts – not to mention the outstanding customer service USAA provides! Plus, they offer auto insurance coverage in all 50 states.
Get extra security offered by exclusive plans such as insurance for Lyft and Uber drivers and the convenience of combining auto coverage with life, renters, and boat insurance.
Become a member and unlock exceptional benefits, including:
- 24/7 emergency roadside assistance
- Towing coverage
- Accident and injury forgiveness for eligible drivers
- Discounts on new vehicle purchases and financing assistance
Get the most out of your budget with multi-vehicle and multi-policy deals, discounts on new vehicles, and low mileage discounts.
Reducing the Cost of Insurance
Low usage rates are available for short trips, so don’t miss out on the perks of being a leisure driver instead of a commuter driver.
Get an even bigger discount by signing up for a Defensive Driver Course! Whether through AAA or AARP, these courses are available for a low price, resulting in an excellent discount on your car insurance. And if you’re short on time, many areas even offer an online version.
You can enjoy extra savings with a membership to AARP, plus discounts from AAA, credit unions, labor unions, and professional associations.
Shop around and compare coverage types and deductibles to get the most bang for your buck. Consider paying higher deductibles to lower your premiums, but don’t sacrifice important coverage. Read the fine print to figure out exactly the coverage you need. That way, you can save on your premiums and get the required coverage.
