Insurance rates start to creep up around age 65 and rise more sharply after 70 as reaction time and vision concerns enter underwriting. Several strategies help.
Annual policy review
Re-shop every year past age 65. Some carriers specialize in senior drivers (Hartford, AARP, AAA).
Defensive driving course
A Texas-approved course discount runs 5–10% for three years.
Don't drop UM/UIM
Senior drivers are statistically more vulnerable to injury — uninsured motorist coverage matters more, not less.
Frequently asked questions
Why do senior rates rise?
Statistical accident frequency and severity rise after age 70.
Are there senior-specific carriers?
Yes — Hartford and AARP have programs designed for older drivers.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.