After years of car insurance hikes, rates have moderated a bit, increasing by around 2.8% in 2025, according to the Federal Reserve Bank of St. Louis. Regardless of nationwide trends, though, seniors tend to see their premiums soar as they get older.
There are several reasons car insurance gets more expensive for older individuals — even those with a stellar driving record. According to Progressive, older drivers are more likely to be involved in accidents and more likely to sustain serious injuries as a result.
