In most states age, driving history and claims history can all be taken into account when an insurance company decides if they want to start up a policy with a potential insured or when it is time to renew a policy.

To find out what your state allows concerning age, accidents and insurance providers I would suggest contacting your state's insurance regulatory body. While many states probably have discrimination laws in place so that an insurance company cannot cancel you solely due to your mature age, they may be allowed to if you have an accident or poor driving record.

For example in Florida an insurance company may non-renew your policy (no matter your age) if you have more than one at-fault accident. If you have three or more accidents, regardless of who is at fault, the company may non-renew your policy. An insurance company may non-renew for claims activity, regardless of accidents. Some carriers will require a physician statement for drivers over the age of 75.