Is pay per mile insurance better than standard car insurance for retirees?

Which car insurance is best for my grandmother who only drives once a week?

Answer provided by
Shannon Martin
Answered on Jul 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“While pay per mile insurance isn’t for everyone, it may be the perfect thing for your grandmother, considering her infrequent driving.
Most companies that offer this type of insurance charge a base rate daily or monthly and then an additional charge per mile.
These rates are determined by the same types of factors that would be used to rate a standard auto policy, like:
  • age
  • driving record
  • experience
Pay-per-mile insurance is not available in every state. The most popular carriers for this type of insurance are:
Another great option for retirees is a policy with The Hartford. The Hartford is the only insurance carrier contracted to work with AARP. They have policies that are discounted and tailored to meet the needs of older drivers.”

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