Government-Mandated Auto Insurance Discount for Seniors

Several U.S. states offer government-mandated auto insurance discount for seniors. These government-mandated auto insurance discount for seniors can help senior drivers save anywhere from five to 20% on their auto insurance coverage. If you believe you may be eligible for a senior discount, speak to your insurance company to ask how you can receive the discount on your next car insurance bill.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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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 in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Feb 15, 2022

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Can't-Miss Facts

  • Several U.S. states offer senior citizens the opportunity to receive car insurance discounts through driver safety courses.
  • Government-mandated auto insurance discounts for seniors can help you save anywhere from 5% to 20% off monthly rates.
  • You can always ask your current car insurance provider if there’s any way to lower your monthly auto insurance rates.

Everyone wants to know how they can save money on their car insurance. If you are a senior citizen, you may not be aware that you have the option to save money through government-mandated auto insurance discounts for seniors.

Depending on where you live, you may be able to take advantage of these car insurance discounts in order to save money on your monthly car insurance rates. You can always check with your current car insurance company as well to see if they offer any additional discount options for you based on your age.

It is a good idea to compare car insurance rates at least once a year to see how much you could potentially save on your car insurance policy. You can use online quote tools to compare multiple companies at once and see which companies offer the best coverage at the most affordable rates.

In fact, you can use our free quote tool above to find and compare car insurance rates from top companies in your area today.

Who is eligible to receive senior driving discounts?

If you live in one of the states listed below, you may have the opportunity to receive car insurance discounts after taking specific driving safety courses. These courses are designed to help seniors drive safely and effectively on the road.

The states that offer government-mandated senior driving discounts include:

  • Alabama
  • Alaska
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Minnesota
  • Mississippi
  • Montana
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Dakota
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wyoming
  • Washington, DC

You may be able to stay with your current car insurance company and still get a great discount and deal on car insurance rates by taking a safety driving course for seniors, especially since these discounts can help you save anywhere from 5% to 20% on your policy. You can call your company to speak with a representative to ask more about this option.

Many senior citizens wonder, “Why did no one tell drivers born between 1936 and 1966 about this new rule?” And the truth is, no one knows. With the potential to save money on car insurance simply for taking a course, these government-mandated discounts should be more popular than they are.

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What is the cheapest auto insurance for seniors?

Often, even with discounts, car insurance can be expensive. For seniors especially, car insurance rates are likely to increase as you age. So you may want to know whether there are certain car insurance companies that cater to seniors and offer auto insurance for seniors over 80.

While it may be difficult to find car insurance discounts or extremely low rates for someone in their 80s and 90s as they may need high-risk insurance, plenty of senior drivers have favorites when it comes to auto insurance companies that incentivize their policies. Some of the most popular car insurance companies for senior drivers include:

  • State Farm
  • Metromile
  • USAA
  • Allstate
  • The Hartford
  • Dairyland
  • Hagerty
  • AAA

All of the companies listed above offer different reasons for senior drivers to choose them as their insurance carrier. For example, GEICO offers very low rates for liability coverage for seniors, while the AAA auto insurance senior discount offers a percentage off of most policies.

How much is senior auto insurance?

You will never know how much you will actually pay for auto insurance until you get a quote from different companies. The table below shows the average monthly car insurance rates for seniors based on age.

Average Monthly Auto Insurance Rates for Senior Drivers by Age

Age and Gender DriversProgressive (Maine)GEICO (Maine)Progressive (Louisiana)GEICO (Louisiana)
50-year-old male$42.67$49.64$120.03$149.52
50-year-old female$46.00$49.64$132.36$179.09
55-year-old male$42.67$49.64$115.53$143.34
55-year-old female$46.00$49.64$131.03$170.52
60-year-old male$42.67$49.64$117.86$146.73
60-year-old female$46.00$49.64$131.70$181.01
65-year-old male$43.22$49.64$140.03$145.88
65-year-old female$46.00$49.64$144.70$168.61
70-year-old male$42.67$49.64$140.03$143.68
70-year-old female$46.00$49.64$144.70$166.39
75-year-old male$42.67$46.10$177.42$221.82
75-year-old female$46.00$46.10$185.04$214.30
80-year-old male$42.67$46.10$177.42$221.66
80-year-old female$46.00$46.10$185.04$214.16

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As you can see, where a senior driver lives has more potential to make an impact on car insurance rates than that person’s gender or age. This is why it’s very important to shop around for car insurance coverage in order to find the very best deal possible. Otherwise, you run the risk of overpaying for coverage.

How can seniors get the cheapest auto insurance possible?

If you are a senior citizen, there are a few things you can do to make sure you get the cheapest rates available in your state.

First, all senior drivers can take a safety driving course. Even if you do not live in a state that offers government-mandated insurance discounts for seniors, you may find that a safety driving course lowers your rates because your car insurance company offers individual discounts for safe driving.

Next, seniors should speak to a representative from their car insurance company to see if they are eligible for other discounts, such as paid-in-full or multi-policy. These discounts could add up to significant savings when it comes to monthly car insurance rates.

Lastly, seniors should shop around for car insurance policies from other companies. At least once a year, it is a good idea to shop around for car insurance. This will help you get specific rates based on your unique situation, and it will give you a better idea of what you’d be paying with a different company.

Be sure to shop around using a quote tool that compares multiple companies at once to help you save time. You can use our free quote tool below today to start your search for cheap senior auto insurance.

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