Affordable Car Insurance Options for Seniors in the USA – 2025

Key Perks for Senior Drivers

Low Mileage Discounts – Many seniors drive less than 8,000 miles a year. Insurers offer discounts of up to 25% for low-mileage drivers.

Bundled Policies – Seniors who bundle home and auto coverage can save hundreds annually.

Defensive Driver Discounts – Completing an AARP or DMV-approved course can reduce rates in many states.

Usage-Based Programs – Devices or apps track safe habits and give real-time savings.

Retired Military, Government, or Union Perks – Many insurers offer hidden discounts to members of these groups.