What is the best car insurance for seniors who don t drive much?
Asked by: Eloisa Fisher | Last update: March 26, 2025Score: 4.2/5 (6 votes)
What is the best auto insurance for seniors that don t drive much?
Allstate, American Family, Nationwide and USAA have the best car insurance for seniors who don't drive much. All four offer pay-per-mile insurance, which can save you money if you only drive occasionally.
How do I insure a car I barely drive?
Low-mileage drivers may save money with discounts, pay-per-mile policies, or usage-based insurance. The best way to see if you can save on your premium is to get quotes from multiple insurers and compare your options.
Is there a car insurance for people who don't drive much?
Pay-per-mile car insurance is designed to empower low-mileage drivers with transparency and control. It's a great option for many types of drivers, including: Stay-at-home parents, retirees or part-time workers. Commuters who embrace alternative transportation, and those with short commutes.
What insurance company does AARP recommend?
AARP® Homeowners Insurance Program from The Hartford
Plus, you could save up to 20% when you bundle your home and auto policies. No-cost, no-obligation quotes are available.
Is Auto Insurance Cheaper if You Don't Drive Every Day?
Does car insurance go up when you turn 65?
When you turn 65, you may pay more or less for car insurance, depending on where you live and which insurance company you use. In many cases, as long as you have a good driving record, your insurance premium may end up decreasing when you turn 65.
Can I reduce my car insurance if I drive less?
Driving a lower-than-average number of miles each year impacts car insurance rates by creating a potentially lower risk profile. The fewer miles you drive, the less likely you are to be involved in an accident.
What is considered low mileage driving?
Most insurance providers consider someone who drives between 0 and 7,500 miles per year a "low-mileage driver." Most insurance consumers are initially rated by default at the standard U.S. average mileage of 12,000 miles per year. However, some motorists drive far fewer than 12,000 miles per year.
Can I drop insurance on a car I don't drive?
Depending on your state's rules and insurer, you may be able to pause your car insurance if you won't be driving for an extended period. If putting a pause on your car insurance isn't possible, you can reduce your coverages or cancel your policy for the time you don't need it.
What mileage is the cheapest for insurance?
In general, you'll see the most savings if you drive less than 5,000 miles annually. According to Insure.com, someone who drives 10,000 miles annually will pay 4% less than someone who drives 12,000 miles. Driving 7,500 miles annually could reduce your premiums 10% compared with driving 10,000 miles.
Does Geico offer a discount for low mileage?
Besides offering lower premiums for low mileage drivers, Geico offers good student, good driver and defensive driving discounts, among others. It's also worth noting that Geico has a usage-based insurance program called DriveEasy, which can help low mileage drivers save money.
Is AARP car insurance cheaper than Allstate?
Is AARP car insurance cheap? AARP insurance from The Hartford is cheaper than average. Quotes from AARP are cheaper than Allstate and State Farm but not Progressive for sample drivers.
Is car insurance cheaper if you don't drive much?
If you have a car but barely drive it, you might find yourself wondering if there's a cheaper car insurance option beyond traditional coverage. Pay-per-mile insurance might save you money — up to 40% or more, according to some carriers — but only if you truly don't drive regularly.
Who is the #1 insurance company in the USA?
State Farm is the largest auto insurance company in the U.S. based on written premium, or the total amount it bills customers. Progressive is the second-largest car insurance company, followed by Geico and Allstate.
Is Allstate cheaper than Geico?
GEICO is much cheaper and has better ratings than Allstate. Your experience with GEICO and Allstate will vary based on individual rating factors.
Who typically has the cheapest car insurance?
Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.
How much is State Farm car insurance a month?
State Farm car insurance costs $50 a month, on average, if you buy only liability car insurance coverage. Full-coverage car insurance from State Farm costs $124 a month, on average. Full-coverage policies usually include collision and comprehensive coverages along with liability.
Who has the best auto insurance for senior citizens?
State Farm is our top pick for auto and home insurance for seniors, thanks to their affordable plans and excellent customer service.
Do I need car insurance if I barely drive?
Legally, you don't need insurance coverage for a car that's not being driven and is in storage. However, if the vehicle gets stolen, vandalized, or damaged in an accident or weather-related event, you'll be responsible for any resulting expenses if you don't carry insurance.
Does credit score affect car insurance?
How credit-based insurance scores work. Most U.S. insurance companies use credit-based insurance scores along with your driving history, claims history and many other factors to establish eligibility for payment plans and to help determine insurance rates. Again, except in California, Hawaii, and Massachusetts.
What insurance should I get at age 65?
Medicare. Medicare is a federally funded insurance program for eligible participants 65 or over. Medicare has two parts, Part A (Hospital Insurance) and Part B (Medical Insurance).
At what age does car insurance stop being expensive?
States Where Age Does Not Affect Rates
In the following states, insurance companies cannot take age into account when calculating insurance premiums: California.
When you turn 65 What insurance do you need?
Medicare is health insurance for people 65 or older.