Unfortunately, people over the age of 65 generally pay more for car insurance. This is because insurers believe seniors are more accident-prone as they age. Declining health, cognitive issues, and poor reaction time is usually to blame in this case. Once you get to around age 80, your rates will continue to climb. Despite the inevitable rate increase due to age, seniors can take advantage of various discounts. They can also keep rates low by driving less and switching to a usage-based telematics program or pay-per-mile plans.