Best Auto Insurance for Assisted Living Residents (2021)

If you need to buy the best auto insurance for assisted living residents, there are some things you need to know. An assisted living resident will not pay more or less just because they are an assisted living resident. What it boils down to is choosing to pay for liability insurance coverage or relying solely on the assisted living facility's particular transportation service.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 1, 2021

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What You Should Know

  • Should you or the assisted living resident in your family want to travel on your own, you’ll need a personal policy
  • Most assisted living facilities offer their residents transportation
  • Seniors over 80 start paying astronomical rates, so it’s important to prove driving ability (i.e. eyesight)

If you’re here with us today you are almost certainly looking for affordable options when it comes to the best auto insurance for assisted living residents in your family.

We will go over which auto insurance for senior citizens you’ll need, how much it will be, and how you can go about getting the most reliable coverage possible.

Before we dive into finding the best auto insurance for assisted living residents, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable quotes in your area.

Should Assisted Living Residents Buy Auto Insurance?

According to the National Center for Assisted Living, there are currently over 835,000 Americans currently living in assisted living communities.

The majority of these 835,000 are white females age 85 and above. In fact, 70 percent of assisted living community residents are female. How does this affect rates? In short, women pay less for auto insurance than men.

So does an assisted living resident, regardless of gender, need to procure auto insurance? If the resident plans on traveling to see friends and family in their own vehicle, yes.

However, most assisted living facilities provide their residents with transportation. However, many residents may want a little more freedom when it comes to travel opportunities.

If this is the case, the individual will need to procure a standard, personal auto insurance policy like someone of any other age group. Typically this means a liability policy, but a whole life policy might be even better.

Each state needs its drivers to have coverage if their behind the wheel, however, and that means liability coverage. Let’s take a look at a table that shows each state’s minimum liability requirements:

Minimum Liability Auto Insurance Requirements by State
StateInsurance RequiredLimits
AlabamaBI & PD liability25/50/25
AlaskaBI & PD liability50/100/25
ArizonaBI & PD liability25/50/15
ArkansasBI & PD liability, PIP25/50/25
CaliforniaBI & PD liability15/30/5
ColoradoBI & PD liability25/50/15
ConnecticutBI & PD liability, UM, UIM25/50/25
DelawareBI & PD liability, PIP25/50/10
D.C.BI & PD liability, UM25/50/10
FloridaPD liability, PIP10/20/10
GeorgiaBI & PD liability25/50/25
HawaiiBI & PD liability, PIP20/40/10
IdahoBI & PD liability25/50/15
IllinoisBI & PD liability, UM, UIM25/50/20
IndianaBI & PD liability25/50/25
IowaBI & PD liability20/40/15
KansasBI & PD liability, PIP25/50/25
KentuckyBI & PD liability, PIP, UM, UIM25/50/25
LouisianaBI & PD liability15/30/25
MaineBI & PD liability, UM, UIM, Medpay50/100/25
MarylandBI & PD Liability, PIP, UM, UIM30/60/15
MassachusettsBI & PD liability, PIP20/40/5
MichiganBI & PD liability, PIP20/40/10
MinnesotaBI & PD liability, PIP, UM, UIM30/60/10
MississippiBI & PD liability25/50/25
MissouriBI & PD liability, UM25/50/25
MontanaBI & PD liability25/50/20
NebraskaBI & PD liability, UM, UIM25/50/25
NevadaBI & PD liability25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD liability, PIP, UM, UIM15/30/5
New MexicoBI & PD liability25/50/10
New YorkBI & PD liability, PIP, UM, UIM25/50/10
North CarolinaBI & PD liability, UM, UIM30/60/25
North DakotaBI & PD liability, PIP, UM, UIM25/50/25
OhioBI & PD liability25/50/25
OklahomaBI & PD liability25/50/25
OregonBI & PD liability, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD liability, PIP15/30/5
Rhode IslandBI & PD liability25/50/25
South CarolinaBI & PD liability, UM25/50/25
South DakotaBI & PD liability, UM, UIM25/50/25
TennesseeBI & PD liability25/50/15
TexasBI & PD liability, PIP30/60/25
UtahBI & PD liability, PIP25/65/15
VermontBI & PD liability, UM, UIM25/50/10
VirginiaBI & PD liability, UM, UIM25/50/20
WashingtonBI & PD liability25/50/10
West VirginiaBI & PD liability, UM, UIM25/50/25
WisconsinBI & PD liability, UM, Medpay25/50/10
WyomingBI & PD liability25/50/20
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To expound upon the three numbers in the final column, (25/50/25) means you have limits of $25,000 per person, $50,000 per accident, and $25,000 for property damage.

Let’s now move on to how much this coverage will cost you.

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Best Auto Insurance for Assisted Living Residents: Rates

Let’s take a look at a table that compares the average annual rates for liability, collision (damaging a vehicle or object), comprehensive (theft, hail, etc.), and full auto insurance coverage.

Average Annual Auto Insurance Rates by Coverage Type
Coverage TypesAverage Annual Rates
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As you can see, Liability insurance is the most expensive of these forms of coverage (save for full, which is a combination of the other three).

In short, it’s a choice between paying at least $500 per year (provided you have a relatively clean driving record) or relying on the facility’s transportation service.

It’s worth noting that rates escalate when it comes to auto insurance for seniors over 80. So, be sure to prove that you or your loved one can still operate the motor vehicle effectively.

Let’s wrap up with how major insurers are rated so you or your loved one will know you’re getting reliable coverage.

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How do the best insurance companies for assisted living residents rate?

Let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

A.M. Best Financial Ratings of the Top 10 Auto Insurance Companies
CompaniesA.M. Best RatingFinancial Outlook
American FamilyA+Stable
Liberty MutualAStable
State FarmA++Stable
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As you can see, there are several options that hold A.M. Best’s highest rating: GEICO, State Farm, Travelers, and USAA.

In short, there are options out there for reputable coverage that is also affordable. Just make sure you comparison shop quotes and rates for the best auto insurance for assisted living residents and, when you do pick an insurer, inquire about discounts. They all offer them, and they can help.

Now that we’ve wrapped up how to find the best auto insurance for assisted living residents, type your ZIP code into our free and helpful tool below. With it, you’ll find the most affordable auto insurance quotes for assisted living residents in your area.

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