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See carrier availability and rate ranges for drivers 75 and older in your state
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Frequently Asked Questions
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Required in nearly every state, liability insurance covers damage and injury you cause to others. Minimum limits typically range from $25,000 to $50,000 per person for bodily injury, but drivers over 75 may want higher limits to protect retirement assets.
Comprehensive Coverage
Comprehensive covers damage to your vehicle from theft, weather, vandalism, and animal collisions — events unrelated to driving. For mature drivers with paid-off vehicles, this coverage becomes optional but may still be worthwhile depending on vehicle value and replacement cost.
Uninsured Motorist Coverage
This coverage protects you when you're hit by a driver with no insurance or insufficient coverage. Required in 20 states and recommended for drivers over 75 who may face higher medical costs and longer recovery times after an accident.
Full Coverage
Full coverage combines liability, collision, and comprehensive into one policy. While not a legal term, it represents the most complete protection and is often required by lenders — mature drivers with owned vehicles can choose whether this level of coverage remains cost-effective.