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Best Auto Insurance Companies for Seniors

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    If you are preparing to enjoy your retirement, you are likely more aware of where you spend your money. One of the unavoidable expenses following you into retirement is car insurance. If you are looking to renew your insurance, there are several things to take into account. You will want to find a policy offering appropriate coverage that fits your lifestyle. 

    Nowadays, there’s so much choice for auto insurance for seniors it’s hard to know where to start. Which company will offer you the most for your money? Which is the best auto insurance for seniors specifically? Some of the top providers for seniors are also included in our review of the best auto insurance companies nationwide.

    The 5 Best Car Insurance Companies

    AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options.
    Pin Amica MutualA+863/1,0005/5
    Pin State FarmA838/1,0004.6/5
    Pin AllstateA+825/1,0004.2/5
    Pin Auto-OwnersA++847/1,0004.6/5
    Pin TravelersA++824/1,0004.2/5

    Amica Mutual

    Amica Mutual has over one hundred years of experience under its belt. It has successfully helped people from all over the country protect their property.

    Amica

    Best for Customer Ratings

    Why we chose it

    Amica’s auto insurance has a great level of standard coverage with additional add-ons for even further protection. The company also offers a good number of discounts to help you reduce the cost of your premiums.
    • 5 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 863* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Amica’s auto insurance has a great level of standard coverage with additional add-ons for even further protection. The company also offers a good number of discounts to help you reduce the cost of your premiums.

    Pros

    • Good discounts
    • Handy mobile app to manage policy
    • Ranked highly with J.D. Power

    Cons

    • Higher premiums
    • A limited number of local offices
    Read More

    Coverages Offered

    • Bodily injury
    • Property damage
    • Glass coverage
    • Rental car reimbursement
    • Collision
    • Comprehensive
    • Medical payments 
    • Personal injury protection
    • Roadside assistance
    • Uninsured and underinsured motorist

    Discounts Available

    • Claims-free
    • Defensive driver training
    • Multi-car 25% discount
    • Autopay discounts when you set up automatic payments
    • E-discounts if you elect to receive bills and policy information electronically
    • Home ownership discounts
    • Loyalty discounts if you’ve been with the company for more than two years
    • Multi-policy discounts up to 30%
    • Paid-in-full
    • Safety device
    • If you get Amica’s Platinum Choice Auto package, you can earn rewards points, which you can use to eliminate or reduce your deductible or prevent a rate increase following an accident

    *J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated an average of combined regional scores.

    Further Reading on Amica Mutual:

    State Farm

    State Farm is one of the most popular insurance providers in the U.S. with high scores for financial stability and customer service.

    State Farm

    Best for Safe Drivers

    Why we chose it

    The company has an extensive customer service network with around 19,000 agents nationwide. It’s easy to make a claim online or through the app and claims are typically dealt with quickly. State Farm also rewards those who have a good driving history.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 838* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    The company has an extensive customer service network with around 19,000 agents nationwide. It’s easy to make a claim online or through the app and claims are typically dealt with quickly. State Farm also rewards those who have a good driving history.

    Pros

    • Great customer care network
    • Multiple discount options
    • Car rental coverage

    Cons

    • Customer complaints are at an average rate
    • High premiums compared to other companies
    Read More

    Coverages Offered

    • Collision
    • Comprehensive
    • Liability
    • Car rental and travel expenses
    • Uninsured motor vehicle
    • Underinsured motor vehicle
    • Medical payments
    • Emergency roadside
    • Rideshare driver
    • Teen drivers
    • Antique and classic car
    • Sports cars
    • Commercial auto

    Discounts Available

    • Accident-Free
    • Defensive-Driving Course
    • Good Driving
    • Vehicle Safety
    • Passive Restraint
    • Anti-Theft
    • Multiple Auto
    • Multiple Line (or Policy)
    • Drive Safe & Save

    *J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated an average of combined regional scores.

    Further Reading on State Farm:

    Allstate

    Allstate is a highly rated insurance provider that offers great customer service. It was founded in 1931, so it has years of history under its belt.

    Allstate

    Best for Claim Satisfaction Guarantee

    Why we chose it

    Allstate prioritizes good customer service and even offers a Claim Satisfaction Guarantee for policyholders. Allstate’s insurance has wide coverage options, and there are several discounts that can be used to reduce the premium.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 825* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate prioritizes good customer service and even offers a Claim Satisfaction Guarantee for policyholders. Allstate’s insurance has wide coverage options, and there are several discounts that can be used to reduce the premium.

    Pros

    • Claim Satisfaction Guarantee
    • Lots of discounts
    • Drivewise program

    Cons

    • Below average customer satisfaction scores
    • No multi-car discount
    • Higher than average customer complaints
    Read More

    Coverages Offered

    • Collision
    • Comprehensive
    • Liability
    • Medical payments
    • Personal injury protection
    • Personal umbrella policy
    • Rental reimbursement
    • Roadside assistance
    • Sound system insurance
    • Uninsured and underinsured motorist 

    Discounts Available

    • Anti-lock brake
    • Anti-theft device
    • Automatic withdrawal
    • Early signing
    • Full-pay
    • Multi-policy
    • New car
    • Paperless
    • Responsible payer
    • Safe driver

    *J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated an average of combined regional scores.

    Further Reading on Allstate:

    Auto-Owners

    With over 100 years of experience, Auto-Owners is one of the top picks for customer experience and service. While it’s headquartered in Lansing, Michigan, it services drivers nationwide.

    Auto-Owners Insurance

    Best for Personalized Policies

    Why we chose it

    Auto-Owners provides a network of independent insurance agents who help customers across the country. They will work closely with you to design a customized policy that meets all your coverage needs.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 847* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Auto-Owners provides a network of independent insurance agents who help customers across the country. They will work closely with you to design a customized policy that meets all your coverage needs.

    Pros

    • Personalized policies
    • Great customer service
    • Lots of discounts

    Cons

    • Website is not very advanced
    • Not the best option for those who want a good digital experience
    Read More

    Coverages Offered

    • Bodily injury liability
    • Property damage liability
    • Collision
    • Comprehensive
    • Personal injury protection
    • Uninsured/underinsured motorist
    • “Personal Automobile Plus Package, which” provides coverages such as identity theft, rekeying locks, replacing your cell phone, and more.
    • Road trouble service
    • Lease gap
    • Diminished value
    • Additional expense 

    Discounts Available

    • Multi-policy
    • Multi-car
    • Safety features
    • Paperless billing
    • Paid-in-full discount

    *J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated an average of combined regional scores.

    Further Reading on Auto-Owners:

    Travelers

    Travelers has been around for over 150 years and still manages to offer some of the cheapest premiums. It offers nationwide coverage, with headquarters in New York City.

    Travelers

    Best for Discounts

    Why we chose it

    Travelers has a great number of discounts to make it one of the more affordable big names in auto insurance. As Travelers operates in all 50 states plus Washington D.C., it’s also a great option for customers no matter where they are.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 824* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Travelers has a great number of discounts to make it one of the more affordable big names in auto insurance. As Travelers operates in all 50 states plus Washington D.C., it’s also a great option for customers no matter where they are.

    Pros

    • Plenty of discounts
    • A network of independent agents
    • Easy to create online quotes

    Cons

    • Customer satisfaction scores are below average
    • Customer complaints higher than average
    Read More

    Coverages Offered

    • Bodily injury liability
    • Property damage liability
    • Medical payments/personal injury protection (PIP)
    • Uninsured motorist coverage
    • Collision
    • Comprehensive
    • Glass coverage
    • Rental coverage
    • Roadside assistance
    • Ridesharing (only in Colorado and Illinois)
    • Gap insurance
    • Premier new car replacement

    Discounts Available

    • Multi-policy
    • Good payer discounts
    • New car (up to 10% discount)
    • New customers who get a quote before your current policy ends (3%-10% discount)
    • Safe driver (up to 23% discount)

    *J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated an average of combined regional scores.

    Further Reading on Travelers:

    Factors that affect your insurance cost

    The price of insurance can be a complex thing. Insurance providers will take your age, driving history, gender, marital status and the state you live in into account. They will also look at the type of car you have, how old it is, the mileage, whether there are any safety features and how often you drive.

    State’s minimum requirements

    Each state will have minimum requirements for insurance coverage. These minimums must cover a certain amount for injury liability per person, injury liability per accident, property damage and more. For example, the bodily injury per person coverage required in Arizona is $25,000, whereas in Maine, it’s $50,000.

    Financial situation

    Your current financial status will also be taken into account. Insurance providers will look at job titles and working status to calculate insurance premiums. If you are retired, this could mean cheaper prices, but it will depend on the provider. 

    Vehicle

    The type of vehicle you drive is also important. This is mostly for safety reasons. Generally, a larger car will be safer than a smaller car in an accident, so if you have a large pickup truck, you may get a better premium than someone with a small sports car. Engine size and safety features are also taken into account.

    Driving record

    Your driving record will be looked at closely to see if there are any accidents, auto insurance claims or speeding tickets. If you have lots of speeding tickets and accidents in your driving history, your premiums will be higher. Those with a clean record can enjoy low premiums.

    How much coverage you need

    This will depend on your state minimums and whether you wish to get full coverage. Full coverage is the best protection, but it can also drastically increase the price of your insurance. 

    Credit Score

    Many insurance companies will look at your credit score while pricing up your policy. Generally, those with lower scores will face higher insurance premiums. If you have managed to build up a good credit score, you could save money on your insurance. Some states made it illegal for insurers to use credit scores for pricing, but it’s not too common.

    Location

    Whether you live in a busy city or a quiet suburb will determine how likely you are to have accidents or get your car stolen. Insurance providers will also look at things like high rates of uninsured drivers in your area.

    Marital Status

    Insurance providers tend to give married couples better insurance rates than single people on the basis that married people are likely to have fewer accidents. Generally, married men with clean driving records can access some of the best insurance premiums.

    Gender

    Gender can also affect car insurance premiums. Young men are more likely to get higher insurance prices as they are deemed more likely to be in an accident. For seniors, men are generally more likely to get better rates than senior women, but this will depend on the provider. Some states are also addressing gender bias in insurance with laws that prohibit using gender in the risk analysis.

    Claims History

    If you have made a claim on your insurance, this will turn up in the provider’s checks. Even if the accident was not your fault, the insurance provider may note it as a sign you may need to make another claim in the future. If the accident was your fault, expect to pay higher insurance premiums as a result. 

    Discounts

    The good news with insurance providers nowadays is that most of them offer a range of discounts to lower your premiums. These can include student discounts, loyalty, new customer, senior or multi-policy discounts. If you have a clean driving record, it’s worth looking at providers such as State Farm to get rewarded for that. 

    Car Insurance Buying Guide for Seniors

    While shopping for auto insurance may look slightly different for everyone, there are some key steps that everyone should take to find the right company for them.

    Step 1: Figure out your insurance needs

    The first step is to sit down and take a look at what you need. You may want to start with looking at state minimums for car insurance and then weigh up the level of coverage you want to add onto that. Full coverage is safest, but it’s also the most expensive. You should aim to get as much coverage as you can get to limit out of pocket expenses in the future.

    Step 2: Compare the best auto insurance providers for seniors

    Once you have a good idea of what coverage you need, do some research to find the best insurance providers available. Be sure to look at customer reviews for different companies as well as coverage options and discounts specific for seniors. 

    Step 3: Choose your top three providers

    Once you have a good understanding of which providers are available to you, it’s time to narrow down your options. Choose two or three providers and check whether they offer coverage in your state and city. You may also want to check auto insurance companies ratings from AM Best, J.D. Power and the Better Business Bureau.

    Step 4: Get quotes 

    Once happy with your three choices, get a quote for each one. You can do this online or by phone usually. Be sure to ask about what discounts you are eligible for. With the three quotes and your research into each company, you should be able to make a choice easily.

    How to Lower your Insurance Costs

    Auto insurance always costs more than we would like, but there are some simple ways to lower your costs. These include:

    • Looking for providers that offer discounts: Many providers will offer a number of discounts to help you save as much as 20% of your premium. Keep your eyes open for insurers that offer discounts for seniors.
    • Improve your credit score: If you know your credit score could use a little work, try to improve it for future insurance purchases, as you could lower your premium with a higher score. 
    • Switch your car: If you have a car that attracts high premiums, it could be time to switch it to a car that’s cheaper to insure. This could mean getting a more modern car with safety features, although you will have to weigh up the costs and whether it will save you enough on insurance for years to come.
    • Pay upfront: Car insurance is usually cheaper if you pay for a year upfront rather than monthly.

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com rating. These ratings were produced with you, our readers, in mind, and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. Since auto insurance rates vary widely among different profiles, we encourage you to continue researching options that fit your specific needs.

    Car Insurance for Seniors FAQs

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    About the Authors

    Kara is a freelance writer for Reviews.com. For the past few years, she has covered a wide range of personal finance topics such as home insurance, mortgages and personal loans for a variety of websites. She has been featured in The Simple Dollar, Bankrate.com and Interest.com among others. She holds a bachelor's degree in Creative Writing from LJMU in the UK. Kara's favorite review on Reviews.com is The Best International Travel Insurance Companies.

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