Finding the Best Car Insurance Company for Senior Citizens
As you age, your car insurance needs may change. Your driving habits and vehicle choices may be different than they once were. Along with these changes, it’s important to find coverage that meets your needs.
Drivers can look for several features from car insurance companies to help find the best car insurance for seniors, like:
- Cobertura integral
- Discounts for older drivers
- Strong customer service ratings
- 24/7 assistance
- Ease of use via a mobile app
The best insurance company for you will depend on how well it can meet your needs and preferences. Just remember, companies that offer the cheapest car insurance may not fully meet your unique needs. That’s why comparing car insurance for seniors
is important to help you determine if you’re getting the right coverage.
What Is the Best Car Insurance for Seniors?
At The Hartford, we’ve been in the business of protecting individuals and families for over 211 years. Backed by high customer service and claim satisfaction ratings, we’ve earned our reputation for trust and integrity. For over 35 years, we’ve partnered with AARP to bring exclusive discounts and benefits to members through the AARP®
Auto Insurance Program from The Hartford.1
Exclusive AARP Partnership for Auto Insurance
At The Hartford, we help drivers who are 50 and older get the car insurance they need at a rate they can afford. With the AARP Auto Insurance Program from The Hartford, we’ve offered special benefits to AARP members since 1984. Our partnership with AARP helps make us one of the best car insurance companies for older drivers. In fact, The Hartford has the only national auto and home insurance program endorsed by AARP.
Cobertura para reemplazo por automóvil nuevo
If you total your new car, we’ll pay to replace it with a new vehicle of the same make, model and equipment without subtracting anything for depreciation.§§
RecoverCare – Asistencia después de un accidente
If you’re ever involved in an accident, The AARP Auto Insurance Program from The Hartford protects more than just your car. If you’re injured, RecoverCare§ coverage can help pay to assist you with essential home services, including:
- Lawn mowing
- Limpieza de nieve
- Paseos del perro
Garantía de reparación del auto de por vida
Después de una reclamación cubierta, le ayudaremos a encontrar un servicio de reparación de confianza para que no tenga que tomarse esa molestia. With over 1,600 shops in our approved network, we’ll help you find quality repairs.
What Additional Coverage Options Are Best for Senior Citizens?
Car insurance isn’t one-size-fits all. That’s why we offer several coverage options and policy customizations to help ensure you’re fully protected on the road.
Exención por accidente
As long as all drivers on your Hartford car insurance policy have clean driving records for five years, you can qualify for Exención por accidente
Reducción gradual del deducible
With this optional coverage, your collision deductible will decrease over time as long as you maintain a clean driving record.‡
Accident Rental Car Reimbursement
Labor and Towing Insurance
If your car breaks down, towing insurance
coverage can help pay the cost of towing your vehicle to a repair shop. However, you must have comprehensive coverage
on your vehicle to have this insurance.
What Is the Best Car Insurance for Senior Citizens Looking To Save Money?
The Hartford knows that saving your hard-earned money is important. Older drivers have many ways to save money through the AARP Auto Insurance Program from The Hartford, like:
- Reducing miles driven
- Taking an approved defensive driving course
- Maintaining a clean driving record
- Bundling auto and home policies
The Hartford understands that availability of discounts can be an important part of getting the best auto and home insurance for seniors
. That’s why we offer several driver discounts for safe drivers, bundling and more.
Senior Auto Insurance FAQ
Who Is Eligible for the AARP Auto Insurance Program From The Hartford?
To be eligible for the AARP Auto Insurance Program from The Hartford, you must be 50-plus years of age and have an AARP membership.
How Much Does Auto Insurance for Seniors Cost?
In 2019, the average annual cost of car insurance in the United States was $1,070.2 Auto insurance rates are unique to each driver, so your car insurance rate may be higher or lower than the national average rate. Factors that can help determine how much you’ll pay for car insurance include your:
- Historial de manejo
- Miles driven per year
Is Car Insurance Cheaper as You Get Older?
Does car insurance get cheaper as you get older?
Yes and no. In general, studies show that older drivers who are over 50 years old are relatively safe drivers 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. As a result, rates for drivers aged 70 and up may be higher.3