Older drivers

Older drivers have higher rates of fatal crashes, based on miles driven, than any other group except young drivers, according to the Insurance Institute for Highway Safety. The high death rate is due in large part to their frailty. Older people are less likely to survive an injury than younger people. By 2030 people age 65 and older are expected to represent 25 percent of the driving population and 25 percent of fatal crash involvements. According to the National Highway Traffic Safety Administration (NHTSA, http://www.nhtsa.dot.gov ), 30 million, or 15 percent, of licensed drivers were age 65 and older in the United States in 2006 (latest data available). NHTSA says 5,932 people age 65 and older were killed in traffic crashes in 2007. This represents 14 percent of all Americans killed on the road.

There is a growing need to help older drivers sharpen their skills as well as recognize their changing abilities and adapt their driving practices appropriately. Insurers have partnered with state and local governments, and groups such as AARP, to create programs designed to address these needs. In addition, an increasing number of states routinely attempt to identify, assess and regulate older drivers with diminishing abilities who cannot or will not voluntarily modify their driving habits.

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