Although drivers in their 60s typically benefit from some of the cheapest car insurance prices, there are still ways you can save money:
Accurately estimate your mileage. If you’re over 60 or have retired, you may be driving fewer miles than you used to. The lower your estimated mileage, the more your could save, so try to be as accurate as you can. Make sure you don't underestimate your mileage though, as this could invalidate your policy.
Make sure your occupation is correct. Insurers use your job title to help calculate the cost of your insurance. So make sure you choose ‘retired’ – if that applies to you – instead of ‘unemployed’. On average, drivers aged 61-65 who put 'retired' as their occupation pay £378 for their cover, compared to £588 for those who put 'unemployed'2.
You should also remember to let your insurer know if you retire during your policy.
Avoid auto-renewal and compare quotes as you may find a better deal elsewhere. Remember, it's compulsory for insurers to show you how much you paid for your policy the previous year. This makes it easier to work out if you’re paying more or less to renew. Our data suggests that the best time to buy a new policy is about 25 days before your renewal date2.
Pay annually rather than monthly for your insurance if you can. You could save up to 19%2 by choosing to pay annually, as insurers normally add fees and interest to monthly payments.
Consider a telematics policy. These types of policies, otherwise known as black box policies, are often aimed at young drivers who have less experience on the road, but they could also be worth considering if you're over 60. If you have a low annual mileage, you might find an even better deal with a pay-per-mile black box policy than a traditional car insurance policy.
Find out more ways to cut the cost of your car insurance.
2Based on Confused.com data October - December 2023
"Being in your 60s might mean you've got years of driving experience under your belt. The good news is it also means that insurers generally see you as lower-risk and might reward you with cheaper insurance. That doesn't mean there aren't further savings to be made though. Comparing prices is the easiest way to see what savings are out there to be had and it only takes a few minutes."
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Page last reviewed: 23 January 2024
Reviewed by: Louise Thomas
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