Auto Insurance Tips for Florida Drivers Over 65
Florida is home to millions of drivers over 65, many in communities like Sun City Center near our Ruskin office. Driving habits change in retirement, and so can your insurance.
Mature driver course discount
Florida requires insurers to offer a discount to drivers 55 and older who complete an approved accident prevention course. The discount lasts three years.
Many courses are available online and take only a few hours.
Driving less, paying less
Without a daily commute, many retirees drive far fewer miles. Low-mileage discounts and usage-based programs reward that.
If a second car sits most of the year, we can review whether reducing coverage on it makes sense.
Coverages to keep
Keep strong liability and uninsured motorist coverage to protect retirement savings. Medical payments coverage helps with costs beyond PIP.
If you drive a golf cart in your community, make sure it is insured separately, since auto policies may not extend to it.
Frequently Asked Questions
- Do rates go up after 65?
- Rates can rise at older ages, but discounts often offset increases.
- How long does the mature driver discount last?
- In Florida, three years after completing the approved course.
- Are golf carts covered by my auto policy?
- Often not. Ask about a separate golf cart policy.
Let's make sure your coverage matches your life
Our team is based in Ruskin and serves all of Florida. Send us a few details and we'll review your coverage or build a quote — no pressure.