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Over 50s car insurance

Save up to £159** when you buy over 50s car insurance

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  • Get a quote in less than 5 minutes

  • 96% of our car insurance customers would recommend us

  • Compare quotes from up to 120 trusted insurers

*Single annual policy. Lidl Plus app required, 18+, geographical exclusions apply. T&Cs apply. **Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (December '21) 51% of car insurance customers 50 and over could save £159.02

How could I benefit from a specialist over 50s car insurance policy?

  • Cheaper car insurance is usually available to more experienced drivers
  • Specialist over 50s cover is available with insurers such as Saga or Rias 
  • Optional extras are often included as standard with an over 50s policy

Whether you're just turning 50 or getting closer to 60, car insurance companies could reward you if you have a good driving history.

 

How much is car insurance for over 50s?

The average cost for car insurance for those over 50 is £386. That's a saving of £153 compared to the national average of £539. That's based on our most recent quarterly car insurance price index which looks at car insurance prices up and down the UK.

There are many things that can influence how your car insurance is calculated, not just your age. Typically, the more experience you have, the cheaper your insurance could be. Other factors your insurer might take into account are:

Your occupation can influence the cost of your insurance. Claims data shows people in different jobs have varying risk profiles. Insurers take this into account when setting your premium. If you've recently retired, tell your insurer - it may save you money.

Where you live is also a factor. Some postcode areas are considered higher risk than others. If you live in a built-up area, the risk of accidents is generally higher than rural areas.

The car you drive. Cars are grouped from 1-50 for insurance purposes. Generally, the higher the car insurance group, the more expensive your insurance could be. Find out more about car insurance groups.

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How do I get cheaper car insurance for over 50s?

Decide the level of cover and add-ons that you need. Don’t forget that add-ons can hike up the cost of your insurance. Once you know what you want you can compare different levels of car insurance and choose the option that best suits your needs.

Although comprehensive car insurance offers the highest level of cover, it can work out the cheapest option too. 

Some other ways to get cheaper car insurance include:

  • Avoid auto-renewal
  • Pay annually, if possible
  • Increase your voluntary excess

Avoid auto-renewal, even if you’re a loyal customer. You could see the price of your insurance go up each year, even if you’ve not made a claim. To make sure you’re getting our best deal, compare quotes before your policy is due to renew. Doing this could save you up to £159**.

Our research shows that 3 weeks before your insurance is due is when you’ll usually see the best prices1. If that’s not enough of a reason to compare, we also guarantee to beat your renewal price. And if we don’t, we’ll give you the difference plus £202.

Pay annually if you can afford to as most insurers charge interest on monthly payments. If you have the cash to pay up front, you could save up to 15% on your quote1.

Increase your voluntary excess. If you’re willing to pay a bigger car insurance excess, you could pay less for over 50s car insurance. Just ensure you’ll be able to afford the excess in the event of a claim.

Find out more ways to cut the cost of your car insurance.

1Based on Confused.com data - January - September 2021. 2Single annual policy only. T&Cs apply. Must be a like-for-like policy.

What do I need to compare car insurance quotes for over 50s?

If you’ve used our website before to get a quote, you can log in to make things quicker. Just make sure to check your details are all up to date.

Being completely transparent with your insurer and the DVLA is important. For example, by law, you must declare to the DVLA certain medical conditions or disabilities that may affect your driving. Find out more about medical conditions and driving.

If it’s your first time getting a quote with us, you’ll just need a few details. These should be included in your latest renewal documents from your current insurer.

Personal details:

  • Any points on your licence – including any convictions
  • Previous claims or accidents which happened in the last 5 years
  • Your driving licence type and number. Plus, details of any medical conditions that might affect your ability to drive or restrict your licence
  • Details of your no-claims bonus (NCB) in years

Car details:

  • Registration number or make and model of your car
  • Any modifications you’ve made to your car
  • Estimated annual mileage

Once you’ve answered the questions, we’ll compare quotes from up to 120 insurers to find you our best deals. If you want to make any changes at this point, you’ll have an option to edit your quote.

Save up to £159** when you buy over 50s car insurance

Can I get car insurance policy extras and add ons for over 50s?

Adding extras to your policy can provide peace-of-mind and protection for you and your car, but they could up the price of your cover. Think carefully about whether you need them or not. Some insurers might offer discounted add-ons because you’re over 50.

Extras you can get include:

Breakdown cover, with a range of levels to choose from including local recovery, national recovery and European cover.

Motor legal protection, also known as legal cover. This could help you recover certain uninsured losses that aren’t covered as standard by your car insurance if you’re involved in a road accident that wasn’t your fault.

Courtesy car cover provides you with a replacement car if yours is in the garage following an accident.

Personal accident cover pays compensation if you’re injured in a road accident, even if you’re at fault. It should also pay a lump sum to your family if you die in a car accident.

No-claims bonus protection allows you to have a certain amount of “at fault' accidents without affecting your NCB.

 

What our expert says:

As well as your price for this year’s cover, your renewal documents should show you what you paid last year. Don’t just accept that price though. Shop around and compare quotes – it could be one of the easiest ways to save yourself a lot of money!
Alex Kindred signature

Alex Kindred

Car insurance Product Manager

Need more help?

Do I need a health check to get over 50s car insurance?

No, you don’t need a health check to buy insurance when you’re over 50. But you’re required to declare any medical conditions that may affect your driving to the DVLA and your insurer.

Is car insurance cheaper for over 50s?

Once you reach 50 you should see a reduction in the price you pay for your car insurance. This is because experience shows older drivers are less likely to have an accident or make a claim. Our data shows that the average car insurance cost for over 50s is £613 cheaper than those in their 40s.

3Based on fully comprehensive car insurance quotes from October 2021 - December 2021.

Why is my car insurance more expensive now I’m over 50?

Generally, the more driving experience you have, the cheaper your car insurance could be. But other factors might affect your price. If you’ve bought a new car, moved to a new area, or increased your annual mileage you may see your premium change.