Car insurance for seniors: better rates for better drivers

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Whether you’re planning to retire or stay in the workforce, if you’re 55+ you might be thinking about making the very best of a fixed income lifestyle. Your plans should include affordable car insurance with great coverage and no surprises.

Unlike other car insurance companies who hide behind terms like “senior citizen” to increase rates, Root isn’t into labels. Be a dog lover, a basketball fanatic, or film buff. Be young at heart or an old soul. Be whatever you’d like and whoever you are. We care that you’re a good driver.

Why is auto insurance for seniors so expensive elsewhere?

Some companies charge seniors more for their policies because they assume older drivers are riskier drivers. But when you look at the facts, experienced drivers are typically safer on the road. (This just make sense, right?) So why should mature drivers pay more for car insurance? They shouldn’t.

Root wants good drivers.

No matter how long it’s been since you got your first driver's license, if you’re a safe driver, you deserve to have a car insurance rate that reflects your good driving habits and gives you a discount accordingly. While other insurance companies focus on your demographics (age, address, marital status) to determine your rate, Root cares more about your driving ability than anything else. Here’s how our pricing model compares to traditional models used by other companies:

Root's car insurance pricing model - better senior drivers deserve better rates

Getting started with Root.

Our app uses mobile technology to measure your driving behavior. Just drive like you normally would for a few weeks. When the app has enough information, we’ll let you know that the test drive is over and what the next steps are. Your driving behavior is the #1 factor that goes into your car insurance rate—exactly how it should be.

Car insurance, all in an app.

The Root app makes it easy to customize your coverage. Add what you want. Leave off what you don’t. When you want to make a change, just open the app to modify your price. No paperwork. No hassle. And even if you only buy the minimum amount of state required auto insurance, Root includes Roadside Assistance with every policy.

Root offers these car insurance coverages:

  • Collision
  • Comprehensive
  • Rental
  • Uninsured/Underinsured Motorist Property Damage
  • Uninsured/Underinsured Motorist Bodily Damage
  • Personal Injury Protection (PIP)
  • Medical Payments (MedPay)

We dive into Collision and Comprehensive and PIP/MedPay and Uninsured Motorist coverages in some of our other blogs, if you’d like to learn more.

What Root customers are saying.

We’ve told you a little about our pricing model and the insurance coverage we offer. If you want to learn more about what it’s like to be a Root customer, why not hear what our customers are saying? From pricing and coverage to claims and customer service, we’re proud to make auto insurance a better experience for our customers.

“Best car insurance EVER. I am 64 and had a lot of different insurance companies. None compare to the intelligence and accuracy of Root. It truly rewards good drivers.”

- Robert S.

“This is such an easy process. Premiums were based on my good driving. I recommend Root to anyone looking for car insurance coverage. I feel that I'm in control.”

- Sharon P.

“I was quoted $400+ by other insurance companies and Root quoted me $118 after the one month test drive. What a huge relief because who honestly can afford $469 a month?”

- Robertson N.

“My son suggested I change to Root. Not even a year later I was hit. Totaled my van that wasn't paid off yet. They have been absolutely wonderful. This transition has been so easy. THANK YOU! I will be with Root for a long time!”

- Robbin M.

“America! Root is saving us over $3K annually! .... That's a home run for full auto coverage!”

- Rosita M.

Senior female carrying plant next to orange car - Seniors car insurance

Keeping seniors safe.

We’re not obsessed with how old you are. Our primary concern is that everyone is safe on the road. Consider some of these tips from the Centers for Disease Control and Prevention the next time you get behind the wheel.

  • Use your seatbelt. Not only is it a law in most states, but wearing seatbelts can help prevent serious injuries in accidents.
  • Understand your medicine. Some meds can make it more difficult to drive with side effects including drowsiness and vision impairment—just make sure you talk to your doctor about your prescriptions and any over the counter medications you’re taking.
  • Invest in your vision. Your vision will change as you get older. Consider visiting an eye doctor at least once a year.
  • Take the driving test again. You can’t guarantee the laws of the road are still the same as they were when you first took your driving test. Make sure you’re up-to-date on laws and that you can still pass the test.

Hit the retirement road with Root.

Make sure you’re getting the most out of your auto insurance. Download the Root app and see how much you could save. Our customers (from teens to seniors) have seen savings of up to 52% on their car insurance compared to their previous carrier.

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