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Senior drivers often enjoy lower insurance rates than younger drivers until around age 70. After that, Afilalo says, “rates can tick up for drivers in their 70s and 80s due to a slight increase ...
Surprisingly, senior drivers may pay higher rates than younger drivers. Learn 10 sensible ways to drive rates back down. 10 Ways Seniors Can Cut Their Auto Insurance Premiums
For senior drivers, rates hit their lowest point between ages 65 to 74, averaging $122.26 monthly. After 75, premiums begin climbing again, increasing about 5% to $127.96.
However, rates may increase for senior drivers after age 65, due to increased risk associated with much older drivers. Typically, the increased risk for drivers over 65 years of age is associated with slower reflexes, reaction times, and being more injury-prone. [citation needed]
[1] [2] In 2018, there were over 45 million licensed drivers in the United States over the age of 65—a 60% increase from 2000. [3] Driving is said to help older adults stay mobile and independent, but as their age increases the risk of potentially injuring themselves or others significantly increases as well.
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