For All Your Insurance Needs

Are Auto Insurance Rates Higher For Seniors? (Clinton Twp, MI)

Hi, this is Maureen. Stay tuned for another insurance tidbit. A common misconception is that auto insurance rates are automatically higher for seniors in actuality. Insurers look at various factors when determining rates and age is just one of them. That being said seniors are considered a higher risk group when it comes to driving, which can result in higher rates. Studies have shown that seniors are more likely to be involved in accidents and experience severe injuries in the event of a crash. As a result. Insurers typically charge higher rates for older drivers. However, there are many ways that seniors can offset this increased cost. Many insurers offer discounts for seniors who take defensive driving courses and some also offer lower rates for drivers who limit their mileage. Seniors can keep their auto insurance rates relatively affordable by taking advantage of these discounts.

We’d be happy to review your insurance coverage options with you! Give us a call at (586) 464-2400 or visit


Website and content disclaimer: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify, or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.