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Why did my insurance policy increase after I turned 65?
Why does my insurance cost so much now that I am a senior citizen? I haven't had an accident in over 20 years!
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It isn’t easy to see the price of your insurance go up, especially when you have such a good driving record! The amount of positive driving experience you gain by the time you turn 65 is priceless, but some changes inevitably happen to us as we grow older, and the price of car insurance will start to reflect that.
Car insurance
is based on shared risk factors. Just like the insurance price is higher for a 16-year-old based on how most 16-year-olds drive, the same thing happens once we move past age 60.Here are changes that happen to our bodies over time that can impact how we drive:
- Weaker vision
- Slower reflexes
- Colors dim and become harder to distinguish
- Depth perception gets weaker
- Muscle weakness and stiff joints
Another factor that people don’t talk about much is recovery time. As we age, our bodies take longer to recover from injuries. For example, a 25-year-old can heal from a broken leg just fine. A 70-year-old, however, will have longer rehab time, a more extended hospital stay, and possible complications. This alone can increase the cost of PIP or
medical payments
listed on your insurance policy.Don’t despair—this doesn’t mean that your car insurance premium should be astronomical! It could just mean that you aren’t with the right insurance company.
Each insurance provider specialized in different risk groups. Your best bet is to contact The Hartford, the only insurance company contracted with AARP that has special pricing and terms for drivers over 50.
However, it’s best to get as many quotes from different carriers as possible to make sure you get the best price.
The easiest way to do this is through the
Jerry
app. We shop prices with over 50 different insurance companies and deliver customized quotes straight to your phone in seconds. That way, all you have to do is pick the plan that’s right for you! And if you have any questions, you can text an agent, and they will text right back with assistance!Best of luck! Here’s hoping you can enjoy your golden years without paying a golden price.
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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