Our experts have researched 14 auto insurance providers and recommend 10 of the best options for seniors.
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Top 10 Highest Ranked Senior Auto Insurance Providers For 2020
How We Chose Our Top List
There’s no shortage of auto insurance policies for seniors, so it can be an uphill battle searching for the perfect fit. We’ve simplified the process, and we created this top 10 list by looking at factors like ease of use, service and response, features and technology, and of course, pricing. Our experts left no stone unturned to showcase the best senior auto insurance policies for 2020.
AARP members receive a no cost, no obligation quote. The company does not offer a specific auto insurance quote range, since pricing depends upon individualized auto insurance needs, and other factors.
Some of those factors include the results of third party data reports, including a credit report, driving record, prior insurance and loss history, and vehicle history.
The Hartford offers personalized coverage options for AARP members, with the opportunity to enjoy various discounts and features of optional package benefits. Lifetime renewability and focusing on customers over the age of 50 likely means that the company understands its customers and their auto insurance needs.
Acceptance offers the opportunity to obtain a free quote online or by calling the company and speaking with a representative. The company provides no actual pricing information on the site.
Some non-standard drivers potentially pay more for coverage, due to specific insurance coverage needs.
Acceptance Insurance offers auto insurance policies to drivers of all ages, including seniors. Seniors that are turned down elsewhere possibly discover that Acceptance Insurance provides coverage for their needs and budget.
The lack of 24-hour customer service possibly affects the decision of some seniors seeking auto insurance coverage.
The company does not offer set prices for its policies because every policyholder has different needs and circumstances that potentially affects pricing of an auto insurance policy.
The company indicates that the type of car you own, how much you drive, your driving record, type of coverage, deductibles, and where you live are factors that potentially affect the cost of your auto insurance costs.
Allstate is a well-recognized company with strong financial standing. Although there is no discount specifically for seniors, other discounts and rewards help lower auto insurance costs.
GEICO offers online quotes based on individual answers to several questions. Pricing depends on your life situation, auto insurance needs, coverage and policy deductible.
A variety of discounts potentially lowers auto insurance initial costs and monthly premiums.
GEICO has consistently strong financial strength ratings and claims to have a high customer satisfaction rating. While the company offers multiple types of insurance coverage, insured policyholders potentially deal with various insurers related to coverage on each type of policy.
Contact a Farmers agent for an individualized quote or receive an online quote at no cost.
The company indicates that factors such as age, where you live, number of vehicles you insure, the amount of insurance you need along with additional optional coverage affects pricing of your auto insurance policy.
Making sure that your insurance does not lapse, adding safety features such as anti-lock brakes and anti-theft devices helps keep your auto insurance price down at Farmers.
The company has a long history of providing a variety of insurance products. Farmers offers multiple discounts. Seniors have to complete a driver’s education course approved by their local motor vehicle department to receive a senior discount, possibly a downside for some seniors.
State Farm offers the opportunity to receive an online quote for a new auto insurance policy.
Your costs and premiums depend on individualized circumstances and factors, such as the make and model of your vehicle, how much you drive, your driving record, credit report and other relevant information.
State Farm is a well-recognized name in the insurance industry, insuring more than 40 million vehicles across the U.S. Its strong financial standing possibly makes it an attractive choice for some seniors. Make sure you understand all your policy and premium costs, along with any factors potentially affecting your rates later.
Although the company offers the Name Your Price Tool, policyholders do not literally name their price and pay only that amount. The tool shows you the highest and lowest coverage amounts and then allows you to see rates that best suit your needs and budget.
Combine auto insurance with other Progressive products or enjoy one of several other discount options to lower your initial costs and premiums. Remember that insurance rates often go up over time and that your individualized factors potentially affect whether your auto insurance costs.
Progressive offers a variety of auto insurance options. Discounts help lower auto insurance costs for seniors, but some discounts only apply when you manage your policy online, which may not appeal to some seniors.
Auto insurance costs through Nationwide depends on your that age, where you reside, the car you drive, your driving record, deductible, policy limits and other factors.
There is no senior discount but seniors often qualify for other discounts through Nationwide.
Nationwide has the advantages of serving policyholders for several decades and having a strong financial standing. The company seems limited in its discount offerings and offers no specific senior discount.
Costs related to auto insurance at Liberty Mutual vary based on your particular needs and coverage choices. Your deductible, premium, liability and limit of liability affect your auto insurance pricing at Liberty Mutual.
Although Liberty Mutual offers discounts, there are limited opportunities for lowering auto insurance. There is no senior discount, a potential disappointment for seniors seeking budget-friendly auto insurance. Call the company to receive a quote, likely faster than online quotes.
Costs of auto insurance with Esurance varies based on typical factors such as your driving record, your vehicle, deductible, premiums, and your coverage needs. Taking advantage of deductibles lowers your costs.
Esurance offers a variety of auto insurance options with several available discounts. Coverage tools helps seniors learn their best options that potentially helps further reduce costs.
Seniors are more active than seniors of previous generations. Seniors drive longer and research shows they drive safer longer. Consumer Reports contributor Michael Tortorello reveals that more than 3.5 million individuals over the age of 80 currently hold a valid driver’s license.
While some seniors choose to drive longer, others face some complications related to driving longer. A primary issue is the fact that seniors often have no other way of getting around. Lack of public transportation or lack of ability to access other transportation options due to mobility, illness or other factors sometimes force seniors to drive longer.
Seniors need to turn to available resources, including family or friends if experiencing complications from medical conditions, medications, problems with vision or other issues when driving.
Driving as a senior offers outstanding opportunities to stay active and maintain friendships and community relationships as long as the senior is still able to drive.
Auto insurance is important to seniors because the law in nearly every area requires that drivers obtain and maintain auto insurance. While minimum liability is the only requirement, it is important that seniors consider other options, which substantially lowers their costs if involved in an accident.
Seniors often take pride in obeying the law, which likely means they take pride in having the right amount of auto insurance for their specific needs.
Some beliefs about the cost of auto insurance for seniors are fact-based, while others are simply myths. The National Association of Insurance Commissioners reveals that some discounts are specifically for seniors that limit their driving, or that drive only during daytime hours.
Mature or senior drivers often have opportunities for auto insurance discounts. Considering that many auto insurance companies provide a discount for seniors, offer a defensive driver course discount and opportunities for bundling multiple types of coverage and offer other savings opportunities, some seniors actually save on auto insurance, compared to younger drivers.
Take advantage of your driving experience, safe driving record, and limited time behind the wheel to discover how seniors often pay less, not more, for auto insurance.