Car Insurance Made for Senior Drivers
The Hartford understands car insurance needs change as you get older. Whether you’ve changed your driving habits or are looking to buy a new vehicle, car insurance for seniors can provide the coverage you need. There are several things that older drivers can do to save money. With an AARP®
membership, you can get great discounts and savings on your car insurance through the Seguro de autos AARP
Program from The Hartford.1
The Hartford has earned a reputation of a trusted insurance company for senior drivers.
The Best Car Insurance for Seniors
Seniors should look for several factors to find the best auto insurance, like:
- Cobertura integral
- Availability of endorsements and add-on coverages
- 24/7 roadside assistance and claim service
- Special discounts for senior drivers
- High ratings from third-party firms
- Strong customer reviews
The Hartford knows that every driver has their own unique needs. To learn more about coverage options and benefits for senior drivers, call 888-546-9099
or get a quote online today.
How Much Is Auto Insurance for Senior Drivers?
According to Bankrate, the average cost of car insurance for seniors is around $1,400-$2,000 per year for full coverage. However, rates can vary based on many factors, including:
- Historial de manejo
The Hartford makes it easy to save money on senior car insurance. The AARP Auto Insurance Program from The Hartford helps AARP members get valuable discounts while offering great car insurance rates for seniors
Ways To Save On Senior Car Insurance
- Bundling your home and auto insurance policies
- Having a clean driving record
- Enrolling in a defensive driver course
Do Car Insurance Rates Increase for Seniors?
Is car insurance cheaper as you get older?
Yes and no. In general, studies show that older drivers who are over 50 years old are relatively safe behind the wheel. They typically drive fewer miles and modify their habits in poor driving conditions, which can qualify them for discounts. However, as a driver’s age increases, so does their risk of being involved in an accident. That’s why drivers 70 years and older may pay a higher rate.
5 Car Insurance Buying Tips for Seniors
1. Compare Quotes
Car insurance rates can vary by company, so comparing quotes can help you determine if you’re getting the right policy at the right price.
2. Look for a Policy Designed for Seniors
As you get older, you’re more likely to find coverage that meets your needs if you look for policies that are specifically designed for older drivers.
3. Adjust Coverage To Meet Your Needs
Customizing your car insurance is another great way to make sure your policy is giving you exactly what you want.
4. Bundle Your Home and Car Insurance
5. Review Requirements in Your State
Coverage requirements and car insurance rates are different in each state
. As an example, let’s compare New York (NY), Georgia and Florida.
Coverage requirements for car insurance in NY
include bodily injury liability and property damage liability insurance. The required minimum coverage limits in this state are:
- $25,000 for bodily injury, $50,000 for a death of a single person per accident
- $50,000 for bodily injury $100,000 for death of two or more passengers per accident
- $10,000 for property damage per accident
On average, motorists in NY can expect to pay around $1,445 a year for car insurance, according to the Insurance Information Institute (III).2
Car insurance in Georgia
also includes requirements for bodily injury liability and property damage liability insurance, but the limits differ in this state. In Georgia, the minimum limits are:
- $25,000 for bodily injury, per person per accident
- $50,000 for bodily injury, total per accident
- $25,000 for property damage per accident
Auto insurance costs around $1,259 per year in Georgia, according to the III.3
Compared to NY and Georgia, car insurance in Florida
varies in requirements. In this state, drivers are required to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) at the following minimum limits:
- PIP coverage: $10,000 per person
- PDL coverage: $10,000 per accident
According to the III, the average yearly cost for car insurance in Florida is $1,414.4
Car Insurance for Seniors With The AARP Auto Insurance Program From The Hartford
Since 1984, The Hartford has offered AARP members exclusive benefits and great service through the Seguro de autos AARP
Program From The Hartford. Read our customers’ car insurance reviews and see what they think about our program, insurance claims experience and customer service.