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Car Insurance Discounts for Retired and Senior Drivers

Find out everything you need to know about auto insurance discounts for seniors, including typical driving discounts and company-specific discounts.

Senior driver

Older drivers begin to pay more for car insurance once they reach 65 years of age. As we age, our senses generally get less sharp. Our hearing and vision can weaken, and we might have slower reflexes. That’s why insurance rates begin to increase around 65.

However, most insurers see seniors as safer drivers than teenagers. Older drivers are also usually more experienced and more cautious than their younger counterparts. And retired people typically drive less than people who commute to work every day. Being on the road less decreases your chance of getting into an accident.

That's why many companies offer discounts specifically for senior citizens. But in order to get this reduced rate, your insurer might require you to take a safety course first. This article looks at how to save on car insurance if you're a senior citizen, and includes:

Discounts for senior drivers

Mature driver

One of the best discounts out there for senior citizens is often automatic. Once you turn a certain age – 55, in most cases – your insurance company will typically give you a discount.  This benefit is referred to as a “mature driver”, or “newly retired” discount.

The age you need to be to qualify for it, as well as the discount amount, varies based on the company. As discussed, you may have to take a safety course in order to receive this discou nt. This course must be certified by the state Department of Public Safety or Motor Vehicles. The course must be taken voluntarily, and not be court mandated.

Most insurance companies will reserve the right to cancel your discount if you're involved in an at-fault accident. Ask your insurer at what age you qualify, any requirements about the defensive driving course you take (if applicable) and the discount amount.

Low mileage discount

According to, retired drivers usually drive between 7,00 to 8,000 miles a year.  This is significantly less than working drivers who average around 12,000 miles a year commuting.

Insurers assume that being on the road less decreases the likelihood you'll get into a crash. Many companies may offer you a discount for driving less. Some insurers will even base your premium on how many miles you drive each year.

Retired military

Many companies offer discounts to veterans and retired military personnel as thanks for their service. Insurance companies are no exception. For example, GEICO offers active duty and retired military 15% off their premiums.

If your insurer doesn't offer one of these discounts, you can shop around to find a company that does. Compare auto insurance quotes to lower your premium.

Senior car insurance rates

Without taking advantage of senior auto insurance discounts, you’ll be paying significantly more for auto insurance than drivers between ages 25 and 65. We gathered data from four major car insurance companies to find the average senior car insurance rates:

Car Insurance Company Annual Premium
The Hartford with AARP $1,873 per year
GEICO $1,361 per year
Progressive $1,228 per year
Allstate $1,450 per year
Rates are based on quotes from a 70-year-old female driver with a clean driving record using a 2018 Nissan Altima in the Seattle metropolitan area. Coverage limits are 25/50/25 with $500 deductibles for collision and comprehensive insurance.

On average, drivers over 65 pay around $1,478 annually for auto insurance. Your exact rates depend on several factors, like your driving record, zip code, type of car and more. With our data, we found the most expensive auto insurer for seniors is AARP, and the cheapest is Progressive.

Companies that offer senior auto insurance discounts


GEICO offers a defensive driver discount for older drivers. The specifics vary by state, but in general, expect to save up to 10% if you are at least 50 years old. You'll also need to take a defensive driving class to receive this discount.


Older drivers can receive several discounts from Allstate. They offer both a “senior adult” discount and a “55 and retired” discount. To qualify for the latter, drivers must be 55 or older, not working and not looking for full-time work. Drivers meeting these requirements can save up to 10% on their car insurance.

If you're at least 55, take a defensive driving course and have no at-fault claims, you're also eligible for the defensive driver discount. To qualify, you'll need to take a course that is at least six hours long.


If you're over 55 and complete a defensive driving class, you're eligible for a discount of around 5% off your usual car insurance rates.


Farmers offers a senior defensive driver discount to eligible customers. Depending on the state, drivers must be at least 55 years old, while some states require you to be 65. You'll also need to complete a driver's education course.


Called the defensive driver discount, the age you can get this reduced rate from Esurance depends on your state. The age range in which you qualify also depends on your location and varies from 50 to 60 years old.

To qualify, you'll need to take a defensive driving class. Your lower rate usually is good for three years after you take the safety course. The discount amount also varies but can be up to 10% off.

Liberty Mutual

According to the Liberty Mutual website, you're eligible for a “newly retired” discount after you retire. The site notes that discounts vary by state. Inquire with your agent to find out more details.

AARP or AAA discount

The American Association of Retired Persons (AARP) notes that many states require insurers to offer a reduced car insurance rate if someone completes an AARP Smart Drive course.  Even if they don't legally have to, many insurers will offer a discount.

This course educates older drivers on the rules of the road which may have changed since they last took a class. It also instructs drivers on ways to make up for loss of hearing, vision and slower reflexes.

The American Automobile Association (AAA) also offers defensive driving classes that are specifically for drivers over 55.  Again, taking these courses can lead to a discount on your premiums.

Other ways to save on senior car insurance

Senior drivers can try to reduce their rates in other ways as well. Older drivers who usually have their children or someone else drive them may want to change the primary driver on their insurance. This can help lower car insurance rates, depending on the other driver's age and driving record.

Of course, one of the easiest ways to lower car insurance rates is to reduce unnecessary coverage. While all drivers need to legally have liability insurance, collision, comprehensive and rental car coverage aren't mandatory.

You may feel like these extra coverages aren't worth the money if you're driving a lot less than you used to and would rather take the chance of something happening to your vehicle.

Another common way to lower rates? Raise your deductible. By increasing your deductible, you'll end up paying much less for your monthly premiums. If you do this, be prepared to file fewer claims. This is because policyholders should always try to pay for repairs out of pocket, if they cost less than the deductible. LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.