Best car insurance for seniors 2026

Core Insights - Car insurance rates are increasing for drivers over the age of 65 due to insurers' concerns about age-related risks, making it essential for seniors to shop around for affordable coverage [1][40] - Yahoo Finance analyzed 20 leading auto insurers to identify the best options for senior drivers, focusing on costs, discounts, coverage features, and claims handling [2][41] Company Rankings - The Hartford received the highest rating of 5.0 stars, offering the lowest rates for seniors at an average of $103 per month, along with discounts for AARP members and nationwide availability [3][40] - American Family ranked second with a rating of 4.9 stars, providing affordable rates, a low-mileage program, and strong discounts, with an average cost of $104 per month [8][40] - Farm Bureau earned a rating of 4.8 stars, also offering competitive rates at $104 per month, with excellent claims handling scores and a usage-based insurance program [11][40] Coverage and Discounts - The Hartford provides 13 coverage options and 11 types of discounts, including accident forgiveness and roadside assistance [7] - American Family offers a low-mileage program that can save seniors up to 25% per month, along with 11 coverage options and 17 types of discounts [8][13] - Farm Bureau features 11 coverage options and 17 types of discounts, including a low-mileage discount and accident forgiveness [13][14] Claims Handling - The Hartford has a claims handling grade of C+ from the CRASH Network, indicating average performance [7] - American Family's claims handling is noted for being particularly favorable for drivers post-accident [8] - Farm Bureau received high marks for claims handling, with grades ranging from A+ to B- across different states [11][13] Additional Insights - Senior drivers' average monthly premium for full coverage is $129, highlighting the importance of comparison shopping to find the best rates [30] - Insurers are encouraged to offer tailored discounts and coverage options that cater specifically to the needs of senior drivers [39][41]