Do seniors get a discount on auto insurance?

AARP members who are over 50 years old can get an AARP car insurance discount by purchasing coverage through The Hartford’s AARP Auto Insurance Program, which provides rates and features tailored to seniors’ needs. In addition, Allstate gives current AARP members 20% off its roadside assistance coverage, even if they don’t use Allstate as their insurer. Mature drivers, whether AARP members or not, might also be able to obtain a discount for taking a driver safety course depending on the state and insurer.... read full answer

Beyond discounts, the Hartford’s AARP Insurance includes a RecoverCare benefit, which will help pay for transportation and household necessities, like grocery delivery or snow shoveling, if you’re injured in an accident. Other benefits include a 24/7 claims hotline and a premium rate that is guaranteed for 12-months instead of potentially changing every six months. The Hartford’s AARP Advantage Plus program also offers extras like accident forgiveness and a disappearing deductible, which the standard AARP program doesn’t have.

Government-mandated auto insurance discounts for seniors are discounts required by 34 states and Washington, D.C. for senior drivers who pass an approved mature driver safety course. The minimum age for a government-mandated insurance discount varies by state, ranging from 50 to 65 years old.

5 Steps to Getting a Senior Driver Discount... read full answer

1. Ask your insurance company about their policies in your state

Even if a discount isn’t required in your location, some insurers still provide them to encourage their customers to improve their driving techniques.

2. Find an approved course

AAA, AARP, and the National Safety Council are three of the many organizations that provide mature driver safety courses, and members can take the class for a discounted cost. Certain insurance companies also have affiliated courses.

3. Check whether the course needs to be online or in-person

Some states only require the discount for seniors who take an in-person class, although most allow the class to be taken online. Due to the coronavirus pandemic, however, AAA has cancelled in-person courses until further notice and AARP has cancelled them through at least 2021, so ask your insurer for up-to-date rules.

4. Register and take the class

Courses generally take between four and eight hours, and must be completed within a set timeframe after registering, often a month.

5. Submit proof of completion

Depending on the course and insurance carrier, a certificate might be sent to your insurance company automatically, or you might have to email or mail it yourself.

Mature driver courses are generally inexpensive compared to the long-term insurance savings they can unlock. While prices vary widely, online courses often range from $10 to $30, and you’ll save anywhere from 3% to 20% on your insurance every year with the discount, usually for three years. After three years, you can simply renew your discount by taking a course again. Some organizations even offer shorter courses if you’ve already taken one class and only need a refresher.

If your state and insurance company do not offer senior discounts for driving courses, you might be eligible for other discounts unrelated to your age, such as a good driver discount or a low mileage discount. And regardless of the discount, a mature driver course is always a good idea if you want to become safer behind the wheel.

Progressive is so cheap because it offers a wide variety of discounts and gives consumers tools to acheive the best rates possible, such as Progressive's price comparison tool and their Name Your Price® program. A minimum coverage policy from Progressive costs an average of $54 per month, and Progressive premiums can be made even cheaper by taking advantage of discounts such as continuous insurance discount and paperless discount. Plus, Progressive rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.... read full answer

Average Monthly Rates for Progressive vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Progressive is especially cheap for safe drivers in particular. That’s because Progressive has special savings opportunities for drivers in this category, such as lower rates for drivers who have not had any accidents or tickets for at least three years.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Progressive is among the cheapest car insurance companies, the only way to confirm you’ve found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub’s review of Progressive and see Progressive’s full profile.