Should senior citizens carry collision insurance?

My 71-year-old sister is currently insured with Farmers. She has no tickets and no accidents. She's paying over $2,000 a year for car insurance. She drives a 2012 Hyundai Accent.

First question, does she need to carry collision on the car, if yes, why? The second question is since she's a senior, what companies should she be looking at for lower rates? Thanks so much for your help!

Aug 23, 2020 Somerset, NJ

Ross Martin

Aug 23, 2020

Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.

If she has been insured for a while — with a clean record — she should shop around and see if her rate is competitive. You can get quotes from our carriers here at to see if anything stands out. Also from my experience, AARP offers a program in conjunction with The Hartford that is designed with senior citizens in mind.

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