For retirees

Retired in Your State? Your Car Insurance May Not Know You Drive Less

No commute, fewer miles, decades of experience. If your policy still prices you like a daily commuter, it's worth a fresh look.

BumperZen editorial team ·

Car on an open country road at sunset — Compare car insurance quotes in **your state**

When people retire, their driving often changes overnight. The daily commute disappears and annual mileage drops. Insurers do price mileage, but they rarely find out unless you tell them, or unless you compare.

Three things that can lower the price

Update your annual mileage. Many insurers ask for it; an old commuter estimate can cost you.
Ask about a mature-driver course discount. Several states require insurers to offer one to drivers 55+ who complete an approved course.
Compare base prices. A discount only helps if the starting price is competitive.

Example old 6-month car insurance statement: 6 month premium $717.04, about $119.50 a month — *Example savings, for illustration only and not a quote. Your price depends on your driver profile, vehicle, ZIP code, coverage and insurer.

Example new 6-month car insurance statement: 6 month premium $354, about $59 a month or $13.62 a week — *Example savings, for illustration only and not a quote. Your price depends on your driver profile, vehicle, ZIP code, coverage and insurer.

How many miles do you drive per year?

Under 5,000 5,000–10,000 10,000–15,000 15,000+

You can change insurers mid-term. Have the new policy start before cancelling the old one, and ask whether a cancellation fee applies.

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