Senior Driver Car Insurance Guide

Ensure your parents get the best and most affordable senior driver car

insurance as they age and learn to recognize the signs that they are no longer able to safely operate a vehicle.

Many people, including seniors themselves, don't realize that drivers over the age of 75 are among the highest group involved in daytime traffic accidents.

Accidents involving seniors over 75 cause more injuries and deaths than any other age group. How do you know if you're a safe driver? What signs do you look for in mom or dad that may indicate a decline in driving skills? On the other end of the spectrum, can safe, mature drivers receive better rates on senior driver car insurance?

What to look for with Elderly Drivers

Sure, elderly drivers have decades of driving experience and more often than not are aware of road safety and speed, but they may also suffer from slower reaction times and skills. When it comes to driving, seniors, or children of the elderly must be aware of certain signs that driving skills are decreasing. This is not the time to be too proud to admit that age may be catching up with you. Your safety and the safety of your family as well as others on the highway are very important considerations.

Basic signs or aging factors that may affect the driving ability of individuals over 65, but especially focus on those elderly drivers over 70 years of age include:

  • Increased reaction time - studies have shown that seniors can do anything a younger person can, but that the response time performing such actions or activities slows down. The same thing goes for driving.
Elderly Drivers Insurance Man on Phone in Car
  • Limited mobility - flexibility also decreases as we age. Full range of motion as well as immediate reaction times is essential for road safety.

Arthritis, spine or bone injuries, heart disease, obesity, and diabetes are just a few of the medical conditions that may cause loss of full range of motion.

  • Medications - most individuals are cautioned against driving when under the influence of medication. As size, weight and condition will determine whether or not an individual is affected by medications, discuss concerns with your family care provider. A good rule of thumb is not to drive when under any type of medication.
  • Hearing and vision loss - any type of vision acuity or hearing loss may affect road safety, not only yours, but those around you. Many seniors quit driving at night, but should also remember that sensitivity to sunlight and glare effect every driver, and not just seniors.

However, changes in vision depth, peripheral vision and conditions such as astigmatism, glaucoma or cataracts may also affect the senior person's ability to see both nearby and distant objects adequately.

When the time is right, discuss driving safety with your elderly parents. Loss of independence is often very difficult for seniors to accept, but it's important to stress the safety not only of them, but others and their property. Whenever possible, suggest alternatives or solutions to transportation issues, such as car pools, buses, shuttles, senior service transportation or taxi services.

Elderly Drivers Insurance Woman in Car

Senior Driver Car Insurance Rates

Many states throughout the country, offer automobile insurance discounts to seniors who engage in senior safety driving programs. In addition, AARP (American Association of Retired Persons) members may receive discounts on automobile insurance services and products depending on geographical location.

The national average of car insurance rates is approximately $800.00. Drivers in California, New York, and Washington DC may pay over $1000 year, while individuals living in Kansas, North Dakota, and Nebraska may pay an average of $500 year. Auto insurance rates are determined by geographical location, type of car driven, age of the driver, prior accidents, and distance driven on a daily and yearly basis, so check with local senior driver car insurance providers as well as through organizations such as the AAA Website and AARP Website for more information regarding cost of auto insurance in a specific area.

Negotiating for a Better Rate Most insurance companies offer discounts of between five and 10% on insurance to individuals between the age of 50 and 55, though insurance rates often increase after the 55-year-old mark.

Are Mom and Dad still Driving? How will you broach the subject of taking the keys away? Read what others are saying and leave your thoughts.

As an example a senior driver may take defensive driving courses to reduce insurance costs by up to another 10%. Such driving courses generally cost between $10 and $30 for an eight hour, two-day course.

A few simple tactics to negotiate a better senior driver car insurance rate include:

  • Speak to your insurance agent
  • Offer to combine home and auto insurance with the same company
  • Let the auto insurance agent know if you carpool or your daily or yearly driving distance has decrease.

A senior driver needs to be especially careful getting behind the wheel of a car. Remember, where there's a will, there's a way.

Don't endanger yourself or others, but work with other family members to develop a safe mode of transportation no matter where you live.


Senior Insurance

Are Your Parents Still Driving?

Are your elderly parents still driving and is that becoming a concern? How are you planning to broach the subject of taking the keys from Dad or Mom?

[ ? ]

Author Information (optional)

To receive credit as the author, enter your information below.

(first or full name)

(e.g., City, State, Country)

Submit Your Contribution

 submission guidelines.


(You can preview and edit on the next page)

What Other Visitors Have Said

Click below to see contributions from other visitors to this page...

Things to Consider with Elderly Driving Issues 
A family member takes your car keys and tells you that you can’t drive anymore. Imagine your reaction. I recently faced this issue when it became painfully …

88 and Still Driving (Me Crazy, too) 
I'm a professional driver about to obtain my commercial driver license. My dad's an 88 year old semi-retired pastor who has a self-imposed schedule which …

Dad is 86 and Wants to Lease a New Truck 
My Dad is 86 and we are concerned about him still driving. He does not want to hear about it. He leased a truck in 2012 and used it for one year. He …

My Mother is Still Driving and I am Worried to Death for Her 
My mother can only be described as "one of those" elderly drivers. We have had her close by for three years now and she insists on being independent …

Hearing Problems 
My mother is 83 right now and will be 84 in 2012. She has a hearing problem in which the family tries to talk to her and she won't hear any of us unless …

My Elderly Dad is 85 Years Old and Still Driving 
My Dad is 85 and is still driving and it worries me so much....to see him barely able to walk and get around yet still driving is causing some very worrisome …

92 Year Old Refuses to Stop Driving Two Cars and a Vespa 
Hello. I am 50 year old divorced mother of two adult children who has moved in from my home in the south - to live in the North. I am the youngest …

Feel Older Than I Look......... Not rated yet
I reached under his car and disconnected the distributor cap. He is 90, has had a stroke and has seriously failing eyesight (macular degeneration & cataracts)- …

THIS is When you Know it's Time for your Father to Stop Driving Not rated yet
My Mum and Dad strove hard to keep their independence. We live in Western Australia and public transport is not fabulous, but they did use it when they …

Dad Won't See that it is Dangerous to Continue to Drive Not rated yet
I have been trying to get Dad to give up driving for the last several years and HE JUST BOUGHT ANOTHER CAR! The last car was an old late 90's car that …

Daughter Concerned about Elderly Driver Mother Not rated yet
Mom is 84, will be 85 in 2012. She has glaucoma,cataracts (getting fixed)arthritis in her neck, Neuropathy in hands and feet, delayed reaction time. …

Click here to write your own.


Home | Site Map | About | Contact | Privacy Policy | Disclosure

© Copyright evSky Incorporated 2008-2017 | All Rights Reserved


Eldercare for

Aging Parents

Are you having a difficult time with being the "Caregiver" for Mom and Dad?

Click Here to Read What Others are Saying and Leave a Comment About Your Own Experiences....

Or Start your Own Discussion Page!

Recent Articles

  1. At My Wits End

    Dec 13, 17 10:15 AM

    My mother has been bed bound for over 12 years. She was obese and needed knee replacement but refused to see a doctor claiming that everyone she knew

    Read More

  2. Our Journey is Almost Complete

    Dec 12, 17 10:31 AM

    I have been taking care of my Mother for the last 5 years, I have commented on the page several times throughout the last 3 1/2 years. It has been a great

    Read More

  3. Momma's Malfunction

    Dec 11, 17 03:28 PM

    My mother and I have never had a good relationship!! She's negative, racist and has always been angry!! She has made poor choices in life resulting in

    Read More