High Risk Auto Insurance: The Over 70 Crowd

The U.S. Department of Transportation reports that drivers over age 70 have more incidents of fatal car crashes than any other group except young drivers (15-20 years of age).

Accordingly, these older drivers qualify for high-risk car insurance due to their increased chance of having an accident that is their fault. Many states have placed restrictions on older drivers' licenses, including daylight hour limitations and non-freeway highway access only.

These same restrictions can be placed on anyone's license if medical conditions are present that warrant it. One way older drivers can save on their car insurance is to select higher deductibles on their collision and comprehensive coverage.