After California, Florida has the second-highest concentration of senior citizen drivers over 60 years old in the United States.[^1] To accommodate their aging population, many car insurance companies offer special deals and discounts for insurance coverage for mature drivers.

Even if an insurance company doesn’t have a deal specifically for senior citizen drivers, they may offer a lower car insurance premium for driving behaviors that apply to plenty of seniors, such as:

  • Driving fewer miles

  • Driving locally

  • Installing safety equipment

If you’re a driver of advanced age looking to lower your car insurance premium, read on to find the best car insurance in Florida for seniors.

#1 Geico

Geico offers automatic contract renewals to policyholders over the age of 50. While other companies may increase premiums for senior drivers, or even decide to discontinue their insurance plan, Geico’s Prime Time deal is a guaranteed contract renewal without a price hike.

This Prime Time deal is only available in certain states, but luckily, Florida is one of them. In addition to being over 50 years old, Florida drivers must meet certain criteria in order to qualify, including:[^2]

  • Not allowing people under 25 years old to drive your car

  • Having not one car accident or traffic violation within the past three years

  • Using your car strictly for personal, not business, use

#2 Allstate

Allstate has some unique perks and discounts that make it a great option for an older driver. Their Milewise discount is a pay-per-mile program that’s perfect if you plan to drive between 1,000 and 10,000 miles per year.[^3] If you find yourself driving less and less these days, you can save a significant amount of money through Milewise. Allstate also offers the Drivewise discount, which provides savings to drivers who maintain clean driving records.

In addition to the money you save through the Milewise and Drivewise coverage options, you also earn points that go toward Allstate Rewards, like daily deals and gift cards.

#3 Nationwide

Similar to Allstate’s Milewise program, Nationwide offers its own version called SmartMiles. This program is perfect for low-mileage drivers, which is often the case for mature drivers who are no longer commuting to and from work or all around town.

There are two parts to Nationwide’s SmartMiles rates:[^4]

  • A base auto insurance rate, which remains consistent no matter how far you drive

  • A variable insurance rate, which is a static cost-per-mile figure

Pay-per-mile programs are a great way for senior citizens to save money. In tandem, there are several Nationwide programs that can easily apply to an older driver to boost their overall savings:

  • SmartRide – This usage-based program rewards you for your commitment to safety by avoiding distractions, staying focused on the road, and always remaining compliant with the driving laws. You can instantly earn 10% off just for signing up and up to 40% off for maintaining the safest possible driving record.[^5]

  • Safe driver discount – As a senior driver, you likely have a long history of safe driving and a lot of experience on the road. As such, you can secure a better, cheap insurance rate if you have at least five years of safe driving under your belt.[^6] In line with the SmartRide program, you’re rewarded for something you’re already doing naturally—driving safely. Statistically speaking, the less you drive, the more likely it is that you’ll drive safely at all times. As a senior with infrequent car use, this can make it easier to maintain a perfect driving record. These programs can improve the cost-effectiveness of your insurance while also incentivizing ongoing vigilance and alertness.

#4 State Farm

As the largest car insurance company in the country, State Farm is a great option for millions of American drivers, including seniors.

With State Farm, you can get up to 30% off your insurance premium for safe driving. Plus, State Farm offers a discount if all the under-21 drivers covered by your policy take a driver training course. As a parent, this can make it much easier and less expensive to add your children to your insurance policy. You can extend the savings even further with State Farm by taking a defensive driving course yourself.[^7]

You’re never too old to learn safe driving habits!

Start Saving on Florida Car Insurance Today

Naturally, insurance prices aren’t your only concern. Sure, you might be looking for the cheapest car insurance in Florida, but you also might want to know about minimum car insurance Florida, optional add-ons, and how the Florida no-fault law affects your premiums. Maybe you’re asking yourself what the fine is for texting and driving in Florida. Or, you can’t help but wonder, *how long do you have to register a car in Florida? *

At Online Auto Insurance, we have answers—we also have the easiest way to compare auto insurance policies across the best companies in the country.

Get fast and free quotes from all of the providers in your area and easily compare their rates. You can find the minimum coverage for your lifestyle so that you’re never paying a penny more than you need to. Simply enter your zip code into our convenient search engine, and start saving today.

Sources:

Federal Highway Administration. Highway Statistics 2000. https://www.fhwa.dot.gov/ohim/hs00/dl22.htm

Geico. Seniors & Drivers Over 50 Could Save With GEICO Insurance. https://www.geico.com/save/discounts/mature-driver-discounts/

Allstate. Milewise. \ https://www.allstate.com/auto-insurance/milewise.aspx

Nationwide. SmartMiles. https://www.nationwide.com/personal/insurance/auto/discounts/smartmiles/

Nationwide. SmartRide. https://www.nationwide.com/personal/insurance/auto/discounts/smartride/

Nationwide. Safe driver discount. https://www.nationwide.com/personal/insurance/auto/discounts/types/safe-driver

State Farm. Take Control of Your Auto Insurance Discounts From State Farm.®\ https://www.statefarm.com/insurance/auto/discounts

Notes

[^1]: Federal Highway Administration. Highway Statistics 2000. https://www.fhwa.dot.gov/ohim/hs00/dl22.htm

[^2]: Geico. Seniors & Drivers Over 50 Could Save With GEICO Insurance. https://www.geico.com/save/discounts/mature-driver-discounts/

[^3]: Allstate. Milewise. \ https://www.allstate.com/auto-insurance/milewise.aspx

[^4]: Nationwide. SmartMiles. https://www.nationwide.com/personal/insurance/auto/discounts/smartmiles/

[^5]:\ Nationwide. SmartRide. https://www.nationwide.com/personal/insurance/auto/discounts/smartride/

[^6]:\ Nationwide. Safe driver discount. https://www.nationwide.com/personal/insurance/auto/discounts/types/safe-driver

[^7]: State Farm. Take Control of Your Auto Insurance Discounts From State Farm.® https://www.statefarm.com/insurance/auto/discounts