How can I save money on over 50s car insurance?
Although car insurance is usually cheaper for over-50s, there are still a few things you can do to get the best 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 £246*
Avoid auto-renewal and shop around each year to get the best deal instead. We guarantee to beat your renewal price too. And if we don’t, we’ll give you the difference, plus £202.
Renew 3 weeks before your policy ends, our research shows that this is the best time to renew car insurance.
Pay annually to avoid additional fees or interest if you choose monthly payments.
Increase your excess, as the more you're willing the pay, the cheaper your policy could be. Just make sure you can afford to pay it if you need to claim.
Don't pay for add-ons you don't need. Are you really going to use that European car insurance cover?
2Single annual policy only. T&Cs apply. Must be a like-for-like policy.
Types of car insurance
Temporary car insurance
offers short-term comprehensive cover from one hour to 28 days.
Multi car insurance
lets you insure one or more cars on the same policy.
Black box car insurance
lets you prove you’re a safe driver, and save money on your policy, even if you’re inexperienced or seen as high risk.
Classic car insurance
offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Business car insurance
covers you if you use your car for work, including travelling between offices or across the country.
New driver insurance
for those who are new to driving or hold a provisional license.
What our expert says:
One of the benefits of being in your 50s is cheaper car insurance deals. Insurers generally see older drivers as having more experience and are therefore lower-risk. You can use this to your advantage when it comes to shopping for your car insurance. Don't just stick with your existing insurer, compare prices to see if you can save yourself some money on your renewal price.
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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 consider 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.
But other factors are also important, including:
- The car you're driving
- Whether you drive for work or social use
- Where you live
- Your occupation
Previous car insurance claims and any points on your licence are also considered.
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