Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Senior drivers are typically over 55 years old, so drivers must be age 55 to qualify for auto insurance for the elderly
  • Auto insurance companies recognize that senior drivers often use more caution than younger drivers
  • Many companies offer classes for senior drivers that help to refresh reflexes that are crucial to safe driving
  • There are some risks for taking on a senior driver as a client, as elderly drivers are less likely to survive a serious car accident due to their age, health problems, and fragility
  • If you are a senior driver who is unsure if you should still be driving, or you are a family member who is concerned for a beloved elderly driver, there are plenty of resources available to help you with your next step

Senior drivers are wonderful assets to society, and there are several discount options available to elderly citizens who apply.

There are also several options for senior drivers who feel that they may need to stop driving soon.

This article will outline information for what exactly defines an elderly driver and steps that senior citizens can take to either improve their driving skills or start taking steps to stop driving permanently.

Compare car insurance rates today by entering your zip code above.

What is the age range to qualify as a senior driver?

When it comes to deciding what type of car insurance best applies to your specific needs, it is important to first look at your specific age.

Young drivers are often new drivers, and this means that car insurance companies are taking a slight risk with younger drivers because these individuals have less experience than older drivers.

If you are an elderly individual, you will likely qualify for auto insurance specific to drivers over a certain age.

Typically, but not always, this age is 55 years old. If you are at least 55 years old, you may qualify for car insurance for senior drivers.

Check with your preferred car insurance company for their senior driver age range, as this range can vary from company to company.

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

Senior Drivers Are Cautious Drivers

There are several perks to qualifying for car insurance as a senior driver.

The most beneficial perks are the discounts that elderly drivers can receive. Because elderly drivers are usually experienced, auto insurance companies recognize that they are less risky than new drivers.

Here are other benefits to being a senior driver that car insurance companies take into account:

  • Driving record Typically, elderly drivers have long histories of driving, giving them plenty of time to accrue an excellent driving record
  • Cautious driving According to the Insurance Information Institute, elderly drivers are usually “courteous drivers who obey speed limits and follow the rules of the road”
  • Safe traffic conditions The III states that elderly drivers often make decisions that lessen their chances of getting into an accident, such as “taking safer back roads to avoid congestion on major thoroughfares” and “steering clear of rush-hour traffic”
  • Safe driving conditions The Insurance Information Institute states that “an older person is also more likely to avoid driving altogether when weather conditions are less than ideal, such as during a rainstorm or at night when visibility will be hampered”

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

Classes to Improve Your Record

Several states provide options for classes that can help elderly drivers learn about using caution while driving. These classes are offered specifically for senior drivers who are looking to receive a discount on their insurance plan.

In some cases, senior drivers may not have driven for a while and need to refresh their driving skills and get a reminder of the rules of the road.

These classes help “refresh driving skills and alert people to the physical changes that may affect reflexes, hearing and cognitive ability.”

One company that offers such a rewarding course is AAA. Their CarFit program also provides a 12-point check to ensure that the senior driver’s vehicle is best suited for their safety and quality needs.

The staff at AAA will make sure that every aspect of the vehicle is at the most advantageous state for safety and efficiency, such as slightly moving the fixed position of a steering wheel, driver seat, or mirrors for visibility.

Known Issues for Senior Drivers

Although being a senior driver can have many benefits that make these drivers appealing to car insurance companies, there are also a few significant negatives associated with elderly drivers.

Statistics show that senior drivers “have a higher rate of fatal crashes based on miles driven.” The death rate in senior driver-related car accidents is higher than for other drivers.

Because senior drivers are typically older and more fragile, it is less likely that a senior driver will survive a serious car accident.

The Insurance Information Institute also notes that family members of senior drivers are usually forced to step in and let their elderly family member know that it may be time for them to stop driving, as their health issues could put other lives at risk, including their own.

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

Resources for Senior Drivers and Concerned Family Members

There are several resources that senior drivers can turn to if they feel that they may need to stop driving permanently.

A handbook called “We Need to Talk,” created by the Hartford and the MIT AgeLab, details how to speak with elderly drivers about sensitive topics, such as how to tell them that they need to stop driving.

It outlines the risks for senior drivers and offers great suggestions for other transportation.

Although senior drivers offer both benefits and risks to auto insurance companies, the main point is that safety is the most important thing to consider.

If a senior driver is perfectly capable of operating a vehicle, they should receive discounts for being such great drivers throughout their life.

However, if elderly drivers experience health issues that put lives at risk on the road, including their own, it may be best to start taking steps to stop driving once and for all.

Rest assured that there are plenty of options for you and your loved ones, you just have to take the time to find the right one. Enter your zip code below to begin comparing car insurance rates.