1. Home
  2. Car insurance
  3. Over 50s car insurance

Over 50s car insurance

Save up to £228** when you buy over 50s car insurance

Buy car insurance and choose a freebie with Confused.com rewards*

  • Get a quote in less than 5 minutes

  • 96% of our car insurance customers would recommend us

  • Compare quotes from up to 142 trusted insurers

*Single annual policy. Lidl Plus app required 18+, HelloFresh 18+ subscription service, geographical exclusions apply. T&Cs apply. **Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (October '22) 51% of car insurance customers 50 and over could save £228.41

Is car insurance for over 50s cheaper?

According to our car insurance price index report, in most cases over-50s pay less for their car insurance than younger drivers.

Our data for the third quarter of 2022 shows that drivers aged 50 to 60 paid £420 on average for their car insurance.

This compared to £1,041 for those in their 20s, £700 for those in their 30s, and £483 for those in their 40s1.

And there are several reasons why:

  • Over-50s are seen as safer drivers as they tend to be involved in fewer accidents than younger drivers. As a result, insurers see them as less risky to insure and offer them cheaper policies.

  • Their no-claims bonus tends to be bigger as they often have a good number of years of no claims behind them, meaning they get a higher discount.

  • They’re usually more experienced drivers and tend to have longer driving histories than younger drivers, so they’re seen as less of a risk to insure.

2Confused.com Q3 2022 price index data

How to save on over 50s car insurance

Although over-50s car insurance is usually relatively cheap anyway, there are a few quick things you can do that might land you an ever better deal.

  • Compare quotes
  • Avoid auto-renewal
  • Pay annually
  • Renew 3 weeks before your policy ends
  • Increase your excess
  • Pick the right extras

Compare quotes and you could save up to £200**

Avoid auto-renewal and shop around every year to get the best deal instead. We'll guarantee to beat your renewal price too. And if we don’t, we’ll give you the difference plus £2002.

Renew 3 weeks before your policy ends, as our research shows that  this is the best time to renew car insurance, and could help you find your best quote.

Pay annually as insurers will often offer you a cheaper policy if you opt to pay all at once.

Increase your excess, as the more you're willing the pay, the cheaper your policy is likely to be. Just ensure your excess isn't set so high you can't afford to claim if you need to.

Pick the right perks, as you could end up paying for add-ons you don't need. Are you really going to use that European car insurance cover?

**Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July '22) 51% of car insurance customers 50 and over could save £200.29 2Single annual policy only. T&Cs apply. Must be a like-for-like policy.

Buy car insurance and choose a freebie with Rewards

Single annual policy. Lidl Plus app required 18+, HelloFresh 18+ subscription service, geographical exclusions apply. T&Cs apply

Lidl Plus logo £20 to spend
IMO logo 12 free car washes
Halfords logo £20 to spend
HelloFresh Logo Free recipe box

What do I need to get a quote for over 50s car insurance?

If you’ve compared quotes with us before, you can log in to make things quicker. Your details should all be saved and ready to go. Just make sure they're all up to date.

If it’s your first time getting a quote with us, you’ll just need a few details:

Personal details:

Car details:

  • Registration number or make and model of 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 132 insurers to find you our best deals.

Save up to £228** when you buy over 50s car insurance

Should I go with a specialist over-50s car insurance provider?

There are a number of insurance providers that specialise in car insurance for over 50s. You can even get specific car insurance for over 60s or car insurance for over 70s.

But going with them may not always be cheaper than sticking with a general car insurance provider.

As an older driver, you should be able to get cheaper insurance anyway.

This can change once you hit 70, however, as you'll sometimes be seen as higher risk by insurers due to an increased incidence of accidents in this age bracket.

Once you hit this age, then a specialist insurer might be your best bet. But before then, it's unlikely to make a big difference.

What policy extras should I get if I'm over 50?

The add-ons for over 50s will be the same as what's offered to under 50s. Which ones you add will depend on what you need.

Options you might want to consider include:

  • Driving other cars cover, to ensure other drivers can drive your car in the event of a medical emergency
  • European car insurance as retired drivers might spend more time driving abroad
  • Breakdown cover to help you get the assistance you need if your car breaks down
  • Courtesy car cover to ensure you can still get around if your car needs to go in for repairs
  • No claims bonus protection may be helpful if you've built up an impressive no claims discount over the years
  •  

What our expert says:

One of the benefits of turning 50 or over is getting cheaper car insurance deals. Don’t make the mistake of renewing your policy. 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 if you have any medical conditions that affect your ability to drive, it's important you declare them to your insurance company and the DVLA. 

If you are involved in an accident as a result of a health condition, and you haven't declared it, your insurance may not pay out. 

Is there an upper age limit on car insurance?

No, there's no upper age limit. But you may find that your premiums start creeping up again once you turn 70. This is because the risk of accident within this age bracket is higher.

At this point, you may find that you are able to get a better deal from a specialist car insurance provider. 

I'm over 50. Why hasn't my car insurance gone down?

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.

How is my car insurance calculated?

There are many factors insurance companies will take into account when calculating your car insurance costs.

Age is an important factor - the older you are, the more experience you are likely to have and the less likely you are to be involved in an accident.

However, other factors are also important including, the car you are driving, whether you drive to work or just use it socially, where you live and your occupation. Previous car insurance claims and any points on your licence will also be taken into consideration.