Save on Auto Insurance for Seniors

Senior Auto Insurance Discounts

If you are a senior or over 50, you could qualify for discounts that can lower your car insurance rates. Discounts are available for defensive driving course completion, multiple car insurance policies, retired government employees, and more. Take a look at GEICO's discounts from which you could benefit.

Other Opportunities Where You May Save

  • GEICO Accident Forgiveness*
    Worry less about your insurance rate increasing after your first at-fault accident (*not available in CA, CT, and MA).

Senior Auto Insurance FAQs

  • Are there government-mandated auto insurance discounts for seniors?
    Government-mandated auto insurance discounts for seniors vary by state. Some states require insurance companies to offer discounts for seniors who complete state-approved driving courses or meet specific age requirements. Be sure to check with your state's Department of Insurance to see if any senior discounts apply to you and how to qualify.
  • Do senior car insurance rates increase with age?
    Senior car insurance rates may increase with age, especially after the age of 70. Insurance companies often associate aging with a higher risk of accidents. However, maintaining a clean driving record and utilizing available discounts can help mitigate these rate increases.
  • How can seniors get the best auto insurance rates?
    Seniors can find the best auto insurance rates by taking advantage of applicable discounts, bundling policies, and maintaining a clean driving record. Seniors can also explore usage-based insurance programs like GEICO's DriveEasy, which rewards safe driving habits with lower premiums.

Please note:

*DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.

For more information, see our GEICO Mobile User Agreement, our Text Messaging Terms and Conditions, and GEICO's Privacy Policy.

Accident Forgiveness applies only to your first accident. Your insurance rate won't go up as a result of your first otherwise surchargeable, at-fault accident. Subsequent occurrences do not qualify for Accident Forgiveness. Accident Forgiveness eligibility is determined by your specific policy type, as well as your state laws and regulations. Terms vary according to state law.

GEICO contracts with various membership entities and other organizations but these entities do not underwrite the offered insurance products. In New York a premium reduction is available for affiliated groups.

Some discounts, coverages, payment plans and features are not available in all states or all GEICO companies. Discount amount varies in some states. Coverage is individual.

Homeowners, renters, condo, co-op, life, boat, PWC, flood, mobile home, identity protection and snowmobile coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc.

If you are moving from or into a state that does not have a Prime Time contract, reside in California, or have any questions about GEICO's Accident Forgiveness program, please feel free to call (800) 861-8380 for more information or chat with us.