Senior Driver Auto Insurance Iowa IA

Reader’s Question:

I am 75 years old and I was told that the car insurance rates are higher in Iowa for those in my age group. Is this true for all insurance companies?

Tyrone

Davenport, IA

Yes, some insurance providers do charge higher insurance rates for mature motorists who are over a certain age, such as 75 if state laws permit. Usually this is due to statistics and risk analysis showing that vision, reaction times, etc is worse for elderly motorists. Since age is a rating factor, some insurers in fact will not insure any driver over 75 years of age.

Some insurance carriers in Iowa offer lower rates to those between 50 and 65 years of age, since this age group has lower accident insurance rates. After age 65, insurance rates typically begin to rise again though and those over age 70 may have difficulty looking for an insurance provider to accept them as a new policyholder since accidents for this age group tend to go up.

You may check with your insurance provider and/or Iowa Department of Transportation for a list of approved schools, to check what type of senior (mature) driver courses that might be available to you in Nevada. Either your insurance agent or the DMV should be able to inform you if any of the courses are available for you to take online or if they must be attended in person.