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How To Get Lowest Auto Insurance Rates For Seniors



Auto insurance rates for seniors are a lot higher than for younger drivers. The number of Americans who are classified as ‘senior citizens’ is projected to more than double from 46 million seniors to 98 million by 2060. The license for senior drivers is reported to have increased by 38 percent from 2006 to 2016.

There are several challenges you have to face as you get older, this ranges from slower reaction times, poorer vision, and several health problems. This blog will sort out some of the more pertinent issues when it comes to auto insurance rates for seniors, how their age affects cost, their licensing requirements and ways to keep their auto insurance rates down.

The Cost of Auto Insurance Rates for Seniors

Auto insurance rates for older drivers vary by state, employer, and insurer. Despite years of experience behind the wheel, insurance companies believe that senior citizens pose a greater risk on the road compared to middle-aged drivers. Beyond a certain age, they’re in the same boat as teenaged drivers who often face much higher auto insurance rates.

Why Auto Insurance Rates For Seniors Are Higher
Clcik For The Lowest Auto Insurance Rates for Seniors

This is because as they age, seniors encounter age-related impairments that affect their mobility and vision. Insurance agencies aren’t entirely biased towards seniors and base their skepticism on the raw data. In fact, in 2016, over 6700 seniors were killed in car crashes. Do keep in mind that this number has been steadily declining over 10 years. 

This number reflects in their insurance rates. Despite the seemingly greater risk they pose on the road, seniors can still qualify for affordable auto insurance rates by doing their due research and shopping around for different vendors.  

The Relation Between Age and Insurance rates

Official data by the government shows that the risk of car crashes per mile is higher for seniors between the ages of 70 to 74 and 85 and older. This group tends to have higher crash rates compared to other age groups. Along with mobility changes and age-related vision impairment, this could account for why auto insurance rates tend to be huge for older drivers.

This does apply to a few states like Maryland and New Jersey. For instance, the laws in Maryland prohibit a higher rate for those that are 65 years and older.

Licensing Issues for Seniors

Due to the onset of deteriorating health symptoms, senior citizens undergo more strenuous licensing requirements which make auto insurance rates for seniors more expensive. 33 states have specific requirements that senior drivers must fulfill to renew their licenses. This may include a vision exam for senior drivers, and spending fewer years between license renewals. In some cases, they may only require a road test.

The following states have no provisions for senior drivers when it comes to renewing their license: Alabama, Arkansas, Delaware, Kentucky, Michigan, Minnesota, Mississippi, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, South Dakota, Tennessee, Vermont, Washington, West Virginia, Wisconsin, and Wyoming.

How to Keep Your Auto Insurance Rates Down

Although it is a fact that auto insurance rates for seniors will be higher, there are ways to reduce those costs.

Here are some things you can do to save money on your auto insurance premiums:

  • Drive with due diligence: This one’s a no brainer; you should strive to keep a clean driving record. This will not only help you qualify for a discount but also reduce your risk to insure – a win-win situation.
  • Drive less: This one may seem like an oxymoron, but some insurers give extra discounts to drivers who have racked up a low mileage. As a general rule, the less you drive, the lower your average number of miles on the road. Besides, it is obvious that the less you are behind the wheel, the lower is your risk of getting into an accident. Make sure to call your insurer to see if they offer this discount.
  • Take a course: Seniors can qualify for lower auto insurance rates by taking a defensive driving course through the American Association of Retired Persons (AARP) or your local senior center. AARP’s driver safety course might help you qualify for a multi-year discount on your insurance premiums. 
  • Increase the safety of your car: Driving a safer car is an effective way of reducing your liability to insurers. Besides buying a safe car, there are a couple of low-investment options such as collision alarm systems, rearview cameras, and installing a monitoring device to help track driving behavior. These measures could reduce your liability by up to 40 percent. 
  • Raise your deductible: The higher your deductible, the lower your auto insurance rates. Studies show that raising your deductible helps you save as much as 40 percent towards collision and comprehensive coverage.

Adding a Senior Driver to Your insurance

It is a good idea to add a senior driver, such as an aging parent, to your insurance if they plan o driving your car. Not doing so could result in massive out-of-pocket costs, or worse, losing your insurance, if they get into an accident while driving your car.

Signs That You Should Stop Driving

There is a reason that the cost of auto insurance rates for seniors is higher. There are times when a senior should stop driving. If you or someone in your family is reaching old age, it is important to watch out for the warning signs. These signs include being involved in multiple car accidents or getting multiple tickets in the past two years.

Other red flags include:

  • Switching lanes abruptly
  • Missing traffic signals, especially stop signs
  • Losing track of the road when driving in familiar places
  • Erratic driving

If you experience rapid changes to your mobility, reaction time, and vision, it may be time to evaluate your driving ability. You can take the self-rating tool designed by AAA or get a professional driving assessment through the American Occupational Therapy Association. 

If you exhibit behavior as a senior driver, if someone in your family has driven this way, you should consider a different option to get around while retaining your independence, mobility, and above all, safety.

Make sure to broach this subject with as much sensitivity as possible. Try to be as respectful as possible. Avoid a confrontational attitude such as demanding their keys or attacking their driving.

The steps above should help you and your loved ones stay safe on the road while keeping car insurance costs down for seniors.

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Car Insurance

6 Types of Car Insurance – Can You Name Them All?




Types of Car Insurance

It may be shocking to know, but there is more than a single remedy for all types of car incidents and accidents. Everything, including the state you’re living in, plays a part in how much you can get. These include the levels of coverage that you get and the definitions of different terms in different states.

Liability Insurance

This insurance usually relates to two separate types of damages. This could be bodily injury and property damage.

Bodily Injury covers any injuries that you’ve caused to someone else, while Property Damage includes any damage that you’ve caused to others’ property/properties.

How to Get The Lowest Auto Insurance Rates For Seniors

Collision Insurance

This is the direct opposite of liability insurance. When your property is damaged or destroyed in a car accident, this insurance comes into play. This could include an accident with another vehicle or even another building.

Comprehensive Insurance

Comprehensive insurance covers all the expenses that are not caused by collisions. These include damage by natural disasters like earthquakes, falling boulders, floods, and animals.

7 Factors Drive Your Car Insurance Rates

Personal Injury Protection Insurance

This is a bit of a tricky one. Personal Injury Protection varies by definition in most states. It covers medical and non-medical expenses. The policy only comes into play if the policy holder is injured in an incident, and it covers physical injury, rehabilitation, occupational therapy, psychiatric care, and lost wages, etc.

Medical Coverage Insurance

Medical Coverage Insurance is a narrower coverage than personal injury protection. It’s not only voluntary in every state, but it also offers medical payments. Medical Coverage Insurance covers any medical expenses for you and other passengers in your vehicle.

Uninsured Motorist Insurance

If you have an accident with another driver’s vehicle that isn’t insured, it calls for uninsured motorist insurance. It’s also called under-insured motorist insurance, and it can relate to hit and runs.

Can You Guess Which Types of Car Insurance Are The Most Important?

best types of car insurance

Unemployment Will Likely Ripple To Auto Insurance Rates

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Car Insurance

Fred Loya Insurance Review: Fined For Deceptive Advertising, And For Charging Excessive Premiums




Fred Loya Insurance Overview and Key Takeaways

Fred Loya Insurance is a specialist provider offering high-risk drivers the lowest legal amount of insurance cover. Owned and operated by the EP Loya Group, a Texas-based insurance provider, Fred Loya Insurance is marketed under several names including Loya Insurance Company, National Insurance, and Rodney D Young.

  • Auto insurance for drivers unable to obtain cover elsewhere
  • Large volume of complaints to state regulators
  • Claim filing not always available

2.0 out of 5.0 stars

Fred Loya Insurance: Services

Fred Loya provides minimum insurance coverage. All policies come with liability, but everything else you want needs to be bundled.

Extra coverage could include:

  • Gap coverage: If you crash your car and your collision damage doesn’t pay out enough, Fred Loya meets the difference with gap coverage
  • Physical damage coverage: This add-on offers coverage against all damage from floods, collision, vandalism, or any other damage to your vehicle
  • Rental reimbursement: Covers the cost of a rental car while your vehicle is in the shop

Fred Loya policies can typically be issued with no need for a credit check. SR-22 forms might be available.

You can’t get a quote online.

Editorial Credit: Tommaso79

Fred Loya Insurance: Discounts

Discounts for auto insurance with Fred Loya include:

  • Air bags
  • Alcohol and drug awareness course
  • Anti-theft devices
  • Defensive driving course
  • Driver’s education course
  • Multiple cars

Fred Loya Insurance: Legal Issues

Loya Insurance Group has far more complaints made against it to state regulators than you would expect for a company of this size.

Most complaints over the past 3 years involved:

  • Unsatisfactory offers and settlements
  • Delays handling claims
  • Claims being denied

The company has also faced a number of legal issues.

In 2012, Lota Insurance Group was fined $300,000 for conducting deceptive advertising campaign, and for charging excessive premiums.

In 2018, the company was found in violation of the law for failing to refund premiums in a timely fashion when policies were cancelled along with a range of other regulatory violations.

It would be a good idea to go check their BBB Complaints and other review websites before doing business with this company.

Fred Loya Insurance: What Else?

The company website is sparse. While you can access your policy online as an existing customer, that’s about all you can do. You cannot obtain a quote online.

Claims must be filed over the phone during office hours.

Coverage is limited to a handful of states.

Fred Loya Insurance: Pros and Cons


  • Policies for high-risk drivers
  • Complimentary rental rides


  • The high number of complaints and legal issues
  • Limited options for online account management
  • Confusing language in policy documents
  • Claim filing no available 24/7

Compare Fred Loya Insurance to Big Savings Auto Insurance Providers

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Car Insurance

Safety Insurance Review: Mixed Reviews For Car Insurance




Safety Insurance Overview and Key Takeaways

Safety Insurance is a Boston-based provider founded in 1979. The company provides auto, home, and other insurance products to customers in 3 states.

  • Operates in Maine, Massachusetts, and New Hampshire
  • Fewer complaints than expected
  • Quotes supplied by independent agents rather than online

3.0 out of 5.0 stars

Safety Insurance: Rating

Safety scores 4 out of 5 when assessed for pricing, discounts, extras, ease of filing a claim, type of coverage, customer satisfaction, and customer complaints.

Safety Insurance Complaints
Editorial Credit: Steve Woods

Safety Insurance: Services

As well as standard auto insurance Safety Ins also provides comprehensive and collision coverage and the following options:

  • Safety Shield: Coverage varies from state to state. Extra typically extend to glass coverage, waived deductibles, emergency road expenses, and personal belongings coverage
  • Safety Shield Plus: Only available in Massachusetts, get everything from the above package as well as extra coverage for personal items, accident forgiveness, and pet injury coverage
  • Gap Coverage: If your car is stolen or totaled and you have an outstanding balance on loan payments, gap coverage meets this shortfall

Safety: Discounts

Auto insurance discounts with Safety include:

  • Accident-free
  • Crash-prevention course
  • Drive with Safety app use           
  • Good student
  • Loyalty
  • Multiple cars
  • Multiple policies
  • Paperless

Safety Insurance: Complaints

Although Safety Insurance gets fewer complaints than expected, customer satisfaction is below average.

It would be a good idea to check their BBB Complaints and before doing business with any of these insurance companies.

Safety Insurance: What Else?

The website allows you to manage your policy, but you can’t get an online quote. There is not much informational content about insurance on the site.

Mobile apps are robust and fit for purpose.

Using the Drive with Safety app attracts a discount, and your driving behavior will be tracked.

You can also get the following types of insurance from Safety:

  • Boat
  • Business
  • Fire
  • Home
  • Umbrella insurance

Safety: Pros and Cons


  • Fewer complaints than expected
  • Large number of upgrade options


  • Only available in 3 states
  • No online quotes

Compare Safety Insurance to Big Savings Auto Insurance Providers

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Car Insurance

Erie Insurance Review: Poor Auto Insurance Policy Management




Erie Insurance Overview and Key Takeaways

Erie is a strong provider if you’re looking for effective auto insurance. Operating in 12 states as well as Washington, DC, customer satisfaction ratings are high, while there are fewer complaints than you’d expect, too.

  • Lock in your rates for auto insurance
  • Fewer complaints than expected
  • High levels of customer satisfaction

3.0 out of 5.0 stars

Erie Insurance: Services

Extras from Erie include the following, but are not available in all states:

  • Accident forgiveness: If you have been an Erie customer for 3 years, your first accident won’t cause your rates to rise
  • Pet injury coverage: Get up to $500 per pet to a maximum of $1000 if you need to pay for veterinary care after an accident
  • Travel expenses: Covered for up to $75 per passenger for food and accommodation if you have an accident away from home           

If you buy comprehensive coverage with Erie, you get the following extras:

  • Locksmith service: If you lock your keys in the car, you’re covered for up to $75
  • Glass repair: Windshield replacement comes with a free set of wiper blades. You won’t need to pay a deductible either
  • Personal items: Personal items are covered to $350 if they are damaged in an auto accident

Erie offers the Auto Plus package for $30 annually ($25 in North Carolina). Benefits vary from state to state but include the following:

  • Car rental: Benefit from 10 days of extra rental car coverage after an accident
  • Disappearing deductible: Each claim-free year, your deductible decreases by $100 to a maximum of $500
  • High limits: Some coverage like locksmith services give you improved coverage
  • Death benefit: Get up to $10,000 per person if someone dies in an auto accident
  • Waived deductible: If you hit your garage door and your home is also insured by Erie, pay only one deductible with the Auto Plus package

You can also get the following optional extras including:

  • Rate lock
  • New car protection
  • Better car protection
  • Rideshare coverage
Editorial Credit: Sneg17

Erie Insurance: Rating

Erie insurance scores 5 out 5 when assessed across a variety of factors from price, extras, and discounts through to customer complaints, customer satisfaction, and ease of making a claim.

Erie Insurance: Discounts

Discounts offered by Erie include:

  • Multiple cars
  • Multiple policies
  • Not taking car to college
  • Safety course for under-21s
  • Safety features
  • Upfront payment

Erie Insurance: Complaints

This company attracts fewer complaints than you would expect for a company this size.

It would be a good idea to go check their BBB Complaints and other review websites before doing business with this company.

Erie Insurance: What Else?

Erie also offers home insurance and life insurance.

The website is responsive and allows you to manage your policy online, as well as filing a claim or finding a repair shop.

There is no mobile app available.

Here are some other types of insurance Erie provides:

  • ATV insurance
  • Boat insurance
  • Business insurance
  • Classic car insurance
  • Condo insurance
  • Identity theft insurance
  • Medicare supplement insurance
  • Renters insurance
  • Umbrella insurance

Erie Insurance: Pros and Cons


  • Low volume of complaints
  • Broad spread of perks and options
  • Option to lock in rates


  • Not available in most states
  • No mobile app for policy management

Compare Erie Insurance to Big Savings Auto Insurance Providers

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Car Insurance

Direct Auto Insurance Review: Not The Most Transparent Car Insurance




Direct Auto Insurance Overview and Key Takeaways

Direct Auto Insurance is part of Direct General Insurance Group but has no affiliation with The General. The primary market for this provider is high-risk drivers denied coverage elsewhere. This company is separate from the Chicago-based Direct Auto Insurance Company which is smaller.

  • Specializes in auto insurance for all high-risk drivers
  • Far more complaints than you would expect for company this size
  • Offers SR-22 forms

3.0 out of 5.0 stars


Direct Auto Insurance scores 3/5 for overall performance based on a factors like pricing, discounts, ease of filing a claim, complaint data and customer satisfaction.

Editorial Credit: Nejron

Direct Auto Insurance: Services

As well as the standard coverage options, you can also expect the following with Direct Auto Insurance:

  • Customizable payments: Decide which day of the month you want to make payment, and decide how you want to make payment, too
  • SR-22 forms: If your state requires you to provide an SR-22 form, this company can help you out

Direct Auto Insurance: Discounts

Discounts available with Direct Auto Insurance include:

  • Homeowner discount
  • Limited mileage discount
  • Military discount
  • Multiple policy discount
  • Multiple vehicle discount
  • Policy renewal discount
  • Safe driver discount
  • Seniors discount
  • Student discount

Direct Auto Insurance: Complaints

For the size of the company,  Direct Auto Insurance generates a high number of complaints, even by the standard of high-risk auto insurance providers.

Here are some BBB Complaints from customers.

BBB Complaint – May 19, 2020 1.0 out of 5.0 stars

I made a claim with my insurance company saying my brother hit a pot hole and messed up his car. He called me to help change the tires after that the car start over heating so we knew the accident caused a problem on 4/27. We called on 4/28 to make the claim. Maria denied the claim and when I asked why she said because they don’t know how long the car was sitting there, and that we should’ve called the police and made a report, and use a tow truck, she always stated that they don’t believe me, an that she lived in Chicago long enough to know a pot hole won’t do that to your car, I ask whats wrong with the car and how much it will cost she said the bumper will cost 2300. I told her that can’t be right. She said the claim is denied and got real nasty with me. I asked to speak to her manager she sent me to Richard and I had to call him three times just to leave two voicemails in order for him to call me back. When he did call me back he was nasty as well, he got on the phone and said the claim is denied and that’s final. He said its funny how the moment we switch to full coverage we get in a accident.

Direct Auto Insurance: What Else?

The website is robust enough for purpose, but there is no mobile app available.

Direct Auto also offers the following insurance:

  • Commercial auto insurance
  • Motorcycle insurance
  • Renters insurance

Direct Auto Insurance: Pros and Cons


  • Can file SR-22 forms on your behalf
  • Offers car and life insurance as bundle
  • Flexible payment options


  • High number of complaints
  • No gap insurance
  • No rideshare insurance

Compare Direct Auto Insurance to Big Savings Auto Insurance Providers

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Car Insurance

Dairyland Insurance Review: They Are Easy To Drag and Deny Your Insurance Claims




Dairyland Insurance Overview and Key Takeaways

Dairyland Insurance is a niche provider catering to high-risk drivers who struggle to obtain mainstream coverage. Based in Wisconsin, Dairyland has been covering risky drivers since it was founded in 1953.

  • Auto insurance for high-risk drivers
  • Only provides car and motorcycle insurance
  • Able to provide SR-22 forms

3.0 out of 5.0 stars


Dairyland gets 3/5 for overall performance based on a number of factors from pricing, ease of filing a claim, and discounts through to complaint data and general customer satisfaction.

Dairyland Insurance Complaints
Editorial Credit: tommaso79

Dairyland Insurance: Services

Expect the usual suite of auto insurance policy options from Dairyland plus the following extras:

  • Lienholder policy: This takes care of any necessary touch-ups on bank-owned cars
  • Non-owner insurance: This bolt-on provides coverage if you have an accident while driving someone else’s car. Consider this secondary insurance to complement the insurance already in place on the vehicle in question
  • Special equipment: This covers damage to any approved aftermarket parts you fit to your car

Dairyland: Discounts

Discounts for auto insurance with Dairyland include:

  • Advanced quote discount
  • Anti-theft device discount
  • Homeowner discount
  • Multiple vehicles discount
  • Safety course discount
  • Transfer discount

Dairyland Insurance: Motorcycle Insurance

As well as the standard motorcycle insurance, Dairyland also provides the following:

  • Guest passenger coverage: Pays for treatment of injuries if a passenger is hurt
  • Physical damage: This coverage will pay for repairs to your damaged bike using approved parts
  • Replacement cost coverage: If your motorcycle is less than 3 years old and is stolen, you’ll be covered for the cost of a new bike
  • Roadside assistance: Get access to towing services and emergency services if you break down

Discounts are available for loyalty to Dairyland, and for passing safety courses.

Dairyland Insurance: Complaints

Considering the size of the company, Dairyland Insurance attracts far more complaints than you would expect. This is often the case with high-risk providers.

Here are some of the complaints on BBB, Trustpilot and Consumer Affairs.

BBB Complaint – Oct 24, 2020 1.0 out of 5.0 stars

I am dealing with a adjuster named ****** *****, and he is dragging my claim process. He is not complying with any of my request. Its close to a year and 10 months and he still has not given me a offer for my claim. He keeps requesting for information form me so that the process prolongs and exceeds the status of limitations. This is plain criminal and ilegal.

Trustpilot Complaint -Bryan Fausnacht, Dec 11, 2020 1.0 out of 5.0 stars

Absolutely do not use dairyland insurance, yes they are cheap but they do everything in there power to deny insurance claims. I was involved in an accident where lady hit me w no insurance, police came, etc etc, case closed, right?! No, they still managed to find a way to deny my claim. AFTER it sitting in the shop for 6 weeks w my adjuster Parker Queen refusing to answer numerous phone calls throughout this process. It took 2 weeks to even get an adjuster out to look at my vehicle. All around the most terrible insurance company to deal with, id urge you to spend your money w a company that has better ethics and business morals. This company is a scam!

Consumer Affairs – George Yamika, March 21, 2020 1.0 out of 5.0 stars

Typically, an insurance companies alerts a purchaser when it comes time to renew. I purchased one year of coverage from Dairyland. I did not purchase a second year. At the end of the first year, they charged my card for a second year without alerting or consulting with me. Calling or writing the company appears to be futile. I feel certain that unless I block them from my card, they will do the same next year. After several attempts at contacting Dairyland, there has been no response to my request for a refund, or to cancel the policy. According to many reports, successful refunds amount to approximately 50% due to a cancellation fee.

Dairyland Insurance: What Else?

There are no educational tools available on the company website. You can nevertheless perform a full range of account management tasks online.

There is a mobile app for both iOS and Android, but it’s relatively limited in functionality.

Dairyland Insurance: Pros and Cons


  • Ideal choice for high-risk drivers
  • Offers free SR-22 to most customers


  • Not available in every state
  • High rates for standard drivers
  • More complaints than companies of a similar size

Compare Dairyland Insurance to Big Savings Auto Insurance Providers

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