Car Insurance for Senior Drivers

What does a senior driver need to know about car insurance?

Seniors are subject to the same state laws regarding car insurance that other drivers must abide by, but they tend to receive lower rates that most other drivers. 

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What are rates for senior drivers?

Insurance rates depend on a variety of factors, but seniors tend to get lower rates than other age groups.  The following estimates are examples of what seniors living in Austin Texas may pay:

Male or Female, over the age 55, single or married, no tickets or accidents:

• Rates can range from $200 to $700, depending on the company.

Male or Female, over 64, no tickets or accident, drives for pleasure:

• Rates range from $200 to $800, but tend to hang around the $300 area.  Rates vary by company.

Male or Female, over 64, no tickets or accidents:

• Rates range from $200 to $800, but tend to hang around the $300 area.  Rates vary by company.

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How can the senior driver secure low cost car insurance rates?

The best way for a senior to insure that he/she is getting the best rates is to take advantage of all discounts are available, and to drive defensively to insure a great driving record. 

What discounts are available to senior discounts?

Many insurance companies offer the following discounts for senior customers:

• Leisure Driving:  Most car insurance companies offer discounts for people who do not drive their cars to work, but use them only for leisure.  Since many seniors do not work, this option often works well for them.
• Senior Discount:  Many insurance companies offer discounts to people aged fifty and over, simply based on their age. 

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