Auto Insurance for Assisted Living Residents (How to Save)

Auto insurance for assisted living residents is the same as coverage for any driver. The rates will vary by the driver and the amount of coverage needed. Drivers who live in an assisted living facility may consider lowering coverage amounts to save money if they rarely drive. Most assisted living facilities also offer transportation to residents so paying for a vehicle and car insurance for assisted living residents might not be necessary.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 24, 2021

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Things to Remember

  • Auto insurance for assisted living facility residents is the same as for other drivers
  • Auto insurance rates are generally lower for older drivers until they reach age 80
  • Many assisted living facilities offer transportation for residents

Drivers who live in an assisted living facility may want to keep as much independence as possible. Fortunately, the best auto insurance companies will not charge older drivers higher rates based on where they live.

In fact, auto insurance for assisted living residents should have the same coverage and rates as other drivers.

However, many assisted living facilities offer transportation, so you may not even need auto insurance.

Shop around before you buy auto insurance for assisted living residents. Every company will offer different rates, so compare multiple companies to find the best coverage with the lowest rates.

Enter your ZIP code now to compare free auto insurance quotes for assisted living residents from companies in your area.

What auto insurance coverages do assisted living facility residents need?

As our population ages, many older adults need some assistance in their day-to-day lives. Although some go to nursing homes, many choose assisted living facilities that allow them to be more independent.

According to the National Center for Assisted Living, more than 800,000 people live in assisted living facilities. Of those, more than 70% are women, and over half are above age 85.

Companies offering auto insurance for assisted living facility residents understand that coverage needs may vary. However, there really aren’t senior living insurance programs. Auto insurance for an assisted living facility resident will look and generally cost the same as for any other driver.

However, drivers with certain medical conditions or who are 80 years old or older may see higher rates because they pose a higher risk of accidents.

Drivers who live in an assisted living facility may consider lowering auto insurance coverage if they aren’t driving as often.

This table shows the average auto insurance rates from top companies based on coverage type.

Low or liability-only coverage is cheaper and may provide the coverage needed for assisted living facility residents.

Average Annual Auto Insurance Rates By Coverage Type
CompaniesAverage Annual Auto Insurance Rates for High CoverageAverage Annual Auto Insurance Rates for Low CoverageAverage Annual Auto Insurance Rates for Medium Coverage
Allstate$5,139.02$4,628.03$4,896.81
American Family$3,416.40$3,368.49$3,544.37
Farmers$4,494.13$3,922.47$4,166.22
GEICO$3,429.14$3,001.91$3,213.97
Liberty Mutual$6,356.04$5,805.75$6,058.57
Nationwide$3,505.37$3,394.83$3,449.80
Progressive$4,350.96$3,737.13$4,018.46
State Farm$3,454.80$3,055.40$3,269.80
Travelers$4,619.07$4,223.63$4,462.02
USAA$2,667.92$2,404.11$2,539.87
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Most assisted living facilities offer transportation for residents for shopping and doctor’s appointments. As a result, it may not be necessary to pay for vehicle upkeep and auto insurance if transportation is provided.

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How can assisted living facility residents save money on auto insurance?

If you live in an assisted living facility, insurance costs can be a burden. Fortunately, there are ways to lower car insurance rates.

First, as we talked about above, consider lowering coverage amounts or just using transportation the assisted living facility provides.

Second, take advantage of car insurance discounts if you want to keep your vehicle. Most car insurance companies offer a variety of discounts to lower rates. Additionally, you can bundle your discounts for the most savings.

This table shows common auto insurance discounts available from top companies. The amount of the discounts is listed if it is known.

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device / AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging / StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axx535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer / New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingN/A$30$233
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Passive Restraint4020x40
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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You can also raise your deductibles to get cheaper auto insurance rates. However, that means more out-of-pocket costs if an accident occurs.

Auto Insurance for Assisted Living Residents: The Bottom Line

Car insurance for assisted living residents is the same in terms of coverage and rates as for other drivers.

If you live in a residential care facility, insurance coverage may not be necessary. As noted, most facilities offer transportation for residents.

Drivers looking for affordable auto insurance for assisted living residents can take advantage of discounts and higher deductibles to save money. That said, the best way to save is to shop around.

Enter your ZIP code to compare auto insurance rates for assisted living residents from companies near you today.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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