Reasons to stop driving as an older adult
There’s no certain age that it’s no longer safe to drive. And age is one of many factors that can affect someone’s driving ability. That said, as people age, their driving abilities may decline due to factors such as decreased vision, slower reaction times and impaired cognitive function.
According to the National Safety Council, older adult drivers are involved in fewer total fatal car accidents than younger drivers (in part due to probably driving less frequently); however, the rate of driver involvement in fatal crashes increases with the 75-and-older age group[1].
In light of these higher risks, insurance rates actually go up as you age. Obviously, the highest insurance rates are far and away for teen drivers and tend to decrease throughout your life as you are considered more reliable and more experienced behind the wheel. Average rates start to increase as you enter your 70s and 80s.