Answer:

It depends upon your father's abilities. While the eyesight, hearing, reflexes, and other faculties of some seniors are more than adequate for driving, the driving abilities of other individuals may deteriorate badly with advanced age. Numerous states have instituted more stringent license renewal policies for elderly drivers, such as more frequent and in-person renewals, eye tests, and driving tests upon reaching a designated age.

When measured by crashes per mile driven, drivers between the ages of 25 and 64 have a fairly constant rate of accidents. This rate begins to rise at age 70, and goes up rapidly at age 80. Even more alarming is the fact that drivers 85 and older are 11 times more likely to be killed in a crash than any other age group. This is generally attributable to increased physical frailty.

These factors cause insurance premiums to rise for drivers entering their 60s, and to increase thereafter. This increase is often moderated by other factors, which may include discounts for fewer miles driven per year.

One way your father can improve his skills--and perhaps reduce the cost of his car insurance--is by taking a driver improvement course. Many states require insurance discounts for drivers (usually those over 55) who complete a state-certified course, while other states allow insurers to offer voluntary discounts for those who complete such a course. An insurance agent can provide information on available discounts and course requirements.

It's important to properly evaluate whether or not your father should be driving. You'll want to keep him, and other drivers, safe and free from injuries resulting from auto accidents.