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Are Older Drivers at Risk?

Self-imposed limitations can help

Statistics indicate that most older adults are safe drivers, with high safety belt use and few citations for speeding, reckless driving or alcohol-related charges. In fact, the actual number of accidents involving older drivers decreases as age increases. Experts attribute this decline to self-imposed limitations, such as:

Driving fewer miles.
Avoiding driving at night and during bad weather.
Steering clear of rush-hour traffic.

However, medical conditions, medication usage and reduced physical function can increase the risk of accidents and injury among older adults, especially after age 75, when the risk of being involved in a collision increases for every mile they drive.

The rate of risk for adults over age 75 is nearly equal to the risk of younger drivers age 16 to 24.
The rate of fatalities increases slightly after age 65 and significantly after age 75. This higher rate is due to the increased inability to withstand the physical trauma that often occurs with age.

These statistics help you see the risk for older drivers. However, the decision to limit driving depends on each individual. Each family must ask, "Is my older relative safe?"

AARP Members Deserve Exceptional Benefits from The Hartford:

First Accident Forgiveness
Lifetime Renewability
Disappearing Deductible
RecoverCare

Sometimes Accidents Happen to Even the Best Drivers.

And it's why we offer First Accident Forgiveness.

Our Policyholders Deserve Better.

We want to keep you insured for as long as you're on the road. That's what Lifetime Renewability is all about.

Now You See It. Now You Don't.

Our Disappearing Deductible rewards a clean driving record. Learn how you can earn a $0 deductible.

When You're Injured in an Accident, Our RecoverCare Benefit Covers the Cost of Daily Chores.

We can help pay for cooking, cleaning and yard work.

Find an Agent

Prefer to work with a local insurance agent? We'll help you find an agent in your area.

WE NEED TO TALK

Family Conversations with Older Drivers

This guidebook provides families with easy-to-use, practical information to help them plan ahead and initiate productive and caring conversations with older adults about driving safely.

Download or Order Free Brochure

At the Crossroads

Family Conversations about Alzheimer's Disease, Dementia & Driving

This guidebook helps families determine when it's time for loved ones with dementia to stop driving and helps them cope with driving cessation.

Download or Order Free Guidebook

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This auto and home insurance program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. CA License #5152. In Washington, the auto program is underwritten by Hartford Insurance Company of the Midwest, and the home program is underwritten by Hartford Fire Insurance Company. In Michigan, the auto and home programs are underwritten by Hartford Underwriters Insurance Company. The homeowners product is not available in all areas, including the state of Florida. Specific features, credits, and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify.

In Texas, the auto program is underwritten by Southern County Mutual Insurance Company through Hartford Underwriters General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. In Texas, the home program is underwritten Hartford Fire Insurance Company.