Car Insurance Discounts for Senior Citizens

Car insurance discounts for seniors usually kick in for policyholders between the ages of 45 and 55, depending on the provider. Auto insurance providers may ask for a defensive driving course certificate as a prerequisite for the discount. Seniors who are not interested in taking a course can qualify for other discounts not specific to their age group, such as a good driving discount or a multi-car discount.

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Last Updated: 8/11/2022
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To cater to mature drivers, some auto insurance providers offer senior-specific discounts. These include GEICO, Progressive, Allstate and Farm Bureau. Most of these companies require a safe driving course certificate, which can be tricky if you’re on a budget.

Insurance providers offer a number of other discounts that are easy to qualify for and require no extra steps, which can help you maximize your savings. Even without discounts, some providers also offer cheaper overall auto insurance for seniors, which may be worth exploring.

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What Are Car Insurance Discounts for Senior Citizens?

A car insurance discount for seniors offers a small reduction in your annual premium. This is typically given to those between 45 and 55 years old but will depend on the insurance provider.

Most big companies offer senior citizen discounts, and regional companies may offer them in your area too. To help you narrow down your search, MoneyGeek made a list of companies that offer senior citizens auto insurance discounts and outlined some of their requirements.

Companies That Offer Senior Citizen Discounts
  • Company With Senior Discount
  • 21st Century

    Drivers 55 years or older can save on their insurance coverage. In order to qualify, drivers must complete a state-recognized defensive driving course.

  • Allstate

    Allstate offers seniors a special discount, but the discount will depend on their circumstances. To qualify, seniors must complete a state-recognized defensive driving course, such as one from AARP.

  • American Family

    American Family offers drivers 55 and older a discount if they complete an approved defensive driving course. However, this is not available in every state.

  • Direct General

    You can qualify for Direct General's discount if you are 55 years old or older and have successfully completed a motor vehicle accident prevention course.

  • Farmers

    Farmers offers a Senior Defensive Driver discount. To be eligible, drivers must be between the ages of 55 and 65 — the actual age depends on the state — and have successfully completed a Department of Motor Vehicles-approved driver’s education course. A certificate of completion must be provided.


    If you are 50 years old or older, GEICO offers discounts, such as their defensive driving discount and retirement, government and military discounts. Eligibility rules and requirements for defensive driving discounts vary by state. They also offer discounts between 12% and 15% for retired federal employees and military members.

  • Kemper

    For drivers over the age of 65, Kemper offers a senior discount.

  • Mercury

    Mercury provides a discount to drivers 55 and older who have completed a driver improvement course at a DMV-approved school.

  • National General

    Seniors in certain states can apply for National General’s safe driving discount, but eligibility can vary by state.

  • NJM Insurance Co.

    NJM Insurance Co. offers a mature driver discount to drivers over a certain age who have taken a qualified course. Eligibility varies depending on the state, and you must upload your information for review at the site.

  • Shelter

    Under Shelter’s Companion Policy discount, drivers who are at least 48 years old and own a Shelter Insurance property policy, such as homeowners insurance, are eligible for an auto insurance discount.

  • The Hartford

    Through a partnership with AARP, The Hartford offers car insurance for seniors, including special features for policyholders over 50. AARP members also get up to 10% savings simply for being a member.

  • Farm Bureau - Indiana

    Farm Bureau offers drivers ages 45 years old or older a lower rate in Indiana through their mature driver rates.

  • Farm Bureau - Kentucky

    Farm Bureau in Kentucky offers discounts to drivers ages 55 or older who have completed an approved safety course. A certificate of completion is required.

  • Wawanesa - California

    To be eligible for Wawanesa's discount, drivers must be 55 years old or older and have completed a defensive driving course approved by the California DMV within the last three years. Taking the course as part of a court order does not qualify you for the discount.

How Much Is Auto Insurance for Senior Citizens?

Auto insurance rates depend on several factors, such as your age, location and level of coverage. Once you qualify as a senior, insurance premiums tend to get more expensive, so it’s prudent to opt for discounts where possible.

After age, your level of coverage has the greatest effect on your rates, and each state has a minimum required level of coverage, which will not change as you get older. You can use MoneyGeek’s tool to estimate how much your auto insurance may cost.

Average Cost Of Auto Insurance For Senior Citizens
  • Auto Insurance Type
  • Minimum Liability Annual Cost
  • Comprehensive/Collision (50/100/50) annual cost
  • Comprehensive/Collision (100/300/100) annual cost

Other Car Insurance Discounts Senior Citizens Can Use

Aside from senior-specific discounts, older drivers can find other car insurance discounts. These can include behavior-based, loyalty and telematics-based car insurance discounts for seniors.

Other Discounts For Senior Citizens
  • Discount
    Best For
  • Customer Loyalty Discount

    • A customer loyalty discount grants you a percentage off your premiums for being insured by a company for a certain number of years.
    • Best for seniors who have been insured with the same company for years
  • Accident-Free Good Driver Discount

    • Being a good driver and not having any accidents on your record for a certain number of years can grant you a discount through many insurers.
    • Best for seniors with a clean record
  • Driver's education

    • Taking a driver’s education course at a DMV-approved center can get you a discount at many insurers.
    • Best for seniors keen on taking driver education courses
  • Vehicle and Safety Equipment Discount

    • Having a safer car can lower your insurance premiums. If you have safety equipment such as airbags, anti-lock brakes and anti-theft systems, your insurer may grant you a discount.
    • Best for seniors driving newer or safer vehicles
  • Pay in Full

    • Paying your auto insurance in full can save you a lot on premiums.
    • Best for seniors who can pay a lump sum on their auto insurance
  • Military Discount

    • Being an active-duty military member or veteran can give you a discount through certain insurers.
    • Best for seniors who are or have been in the military

Other Ways Senior Citizens Can Save on Auto Insurance

Aside from qualifying for discounts, seniors can save on their auto insurance by shopping around for quotes, bundling policies or increasing their deductibles. Occasional drivers can also try usage-based or pay-per-mile insurance, which charges you based on the number of miles you drive. Removing unnecessary coverage is also a way to lower premiums.

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    Shopping around for quotes

    To find the cheapest car insurance company, it’s smart to shop around for quotes. Gather several quotes from different companies to compare your options.

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    Bundling policies

    Getting a home and auto insurance bundle is a great way to save money on your premiums, as insurers like to reward loyal customers.

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    Increase deductibles

    Your deductible is the amount you pay out of pocket before your insurance kicks in if you file a claim. The higher your deductible, the lower your premiums.

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    Pay-per-mile insurance

    One form of car insurance for seniors is pay-per-mile insurance, which charges you based on the miles you drive. This is beneficial for those who drive fewer than 12,000 miles annually.

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    Drop unnecessary coverage

    Removing comprehensive coverage is a practical solution if your premiums are worth more than 10% of your vehicle’s cash value. However, this can leave you underinsured. Determine how much auto insurance coverage you need before applying for a new policy or dropping any coverage.

Frequently Asked Questions About Car Insurance Discounts for Seniors

Finding car insurance discounts for seniors can be difficult if you don’t know where to start. Review the most frequently asked questions below to help guide you in your search.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.