Insurance companies guidelines vary however a senior citizen that has lost their driver's license (or voluntary turned it in) should be able to find auto insurance to keep on their car so that others may drive them around.

The senior citizen would need to find an insurance company that would allow him or her (the car owner) to be excluded from the insurance policy, since they do not have a valid license, and instead place on the people that will be driving the car. The insurance company can then rate on the driving records of the people that the senior citizen plans to have drive them around.

Keep in mind while it should be possible to get this type of insurance, getting insurance for a car without a valid driver's license can be difficult because most insurance companies will require a license since that is one major basis upon which they rate the policy. Most insurances company want the car owner to indeed be licensed.

Without a licensed driver on a policy, the insurance company would be unable to rate the policy. So as we mentioned earlier the elderly car owner will need to have a fully licensed driver listed on the insurance policy while the senior is excluded as a driver.

Insurance companies' guidelines differ but if you shop around for auto insurance you should be able to find an insurance company that will allow the person responsible to drive around the senior citizen placed on the insurance policy as the listed driver for the vehicle. We have suggested this advice in the past and have heard back from several that they were able to insure the car of the person who had lost their license due to a medical condition or age. They did so by using the licenses of all of those who would be driving the car as the basis for rating.

Some companies are able to exclude the non-licensed drivers and list them on the policy as excluded as long as there is one licensed and insured driver on the policy, other insurers do not allow this so that why you will need to shop around to find the insurance that the elderly non-driver needs.

There are companies that allow a person to insure a vehicle though they do not own or have "insurable interest" in a vehicle so this should be an option. Many states are aware of the situation elderly drivers have when they give up their license due to age and have helpful information on their pages of the state's Department of Motor Vehicles websites of how they can still get around and be mobile.

For instance the California DMV has a whole section of their website devoted to senior drivers. The CA DMV has information on these pages of their site that was developed specifically for senior drivers. In California the DMV wants you to maintain your driving independence for as long as you can safely drive.

If you have difficulty finding the type of insurance you need for this situation with your parent's, try contacting your state's insurance regulatory body for consumer advice.