Does Car Insurance Get More Expensive After Age 70 in Pennsylvania?

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Hitting your 70s is a major milestone—but unfortunately, it can also bring unexpected increases in car insurance premiums. Even if you’ve maintained a perfect driving record, many insurers view drivers over 70 as higher risk due to age-related changes in reaction time, vision, and overall health. That said, there are still ways to find affordable car insurance for seniors over 70 in Pennsylvania without sacrificing the coverage you need.

While some companies raise rates gradually with age, others may increase premiums more noticeably once you cross into your 70s. However, this isn’t a universal rule—some insurers continue to offer competitive rates for older drivers, especially if they have a clean record, low annual mileage, and a long-standing policy history. Defensive driving courses, policy bundling, and low-mileage programs can all help reduce costs and offset age-related pricing increases.

The key is to reassess your policy around this age milestone. If your current insurer has raised your rates, it may be time to compare quotes from companies that offer senior-friendly plans. Drivers in Pennsylvania, and especially in the Pittsburgh area, can take advantage of regional providers who understand the needs of older adults and reward safe, experienced driving.

👉 Explore local plans made for senior drivers