Senior Citizen Car Insurance

Senior drivers seeking car insurance discounts may find limited options among major insurance providers. While many companies offer safe driver discounts, which mature drivers may qualify for by completing a defensive driving course, explicit discounts for seniors are not widespread. Farmers, for instance, extends a mature driver discount to those aged 55 and above, provided they have finished a safe driver course in the last three years.

However, a few exceptions stand out, such as Geico and The Hartford. Geico's Prime Time program is tailored for drivers aged 50 and above. To be eligible for this discount, drivers must adhere to the following criteria:

• No drivers under the age of 25 on their policy.
• No traffic violations or accidents in the past three years.
• No use of any vehicle for business purposes.

It's worth noting that the availability of mature driver discounts varies by state, and Geico's Prime Time contract is applicable in only 30 states.

Alternatively, The Hartford provides affordable car insurance for seniors through a partnership with AARP. AARP members aged 50 and above can include family members on their car insurance policies.