Senior drivers often pay more after age 70 as insurance companies adjust for increased accident risk. But significant discounts are available — especially for low-mileage, retired, and defensive-course drivers.
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#1AARP / The HartfordBest for AARP Members
AARP members get exclusive rates through The Hartford. RecoverCare benefit covers expenses after an accident. Lifetime car repair assurance at approved shops.
Senior-specific discounts available. Emergency deployment discount for military retirees. Easiest to manage online or by phone for tech-averse seniors.
Car insurance rates typically start increasing around age 70 for most insurers. The increase is modest at first (5-10%) and steepens after 75-80. Drivers with clean records and low mileage see smaller increases.
Defensive driving course discount: 5-15%. Low mileage/usage-based discount: 10-30%. Multi-policy (home + auto) bundle: 10-20%. Retired/low-mileage discount: up to 15%. AARP membership (through The Hartford): exclusive rates.
Yes. Most insurers offer a 5-10% discount for completing an approved defensive driving course. AARP offers its Smart Driver course online or in-person for about $20, which qualifies for discounts at most major insurers.
Compare quotes annually — senior rates vary widely. Take a defensive driving course. Switch to a pay-per-mile plan if you drive under 7,500 miles/year. Bundle home and auto insurance. Maintain a clean driving record. Increase your deductible if you have savings.