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Over 50s car insurance

Over 50s can save up to £260* when you compare car insurance quotes

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  • Get a quote in less than 5 minutes

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  • Compare quotes from up to 150 trusted insurers

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (February '23) 51% of car insurance customers 50 and over could save £260.21
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Is car insurance for over 50s cheaper?

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

Here's how much drivers in different age groups paid annually for their car insurance according to our data from the last quarter of 2022:

Age Average Cost1

There are a couple of reasons why insurance may be cheaper for over-50s:

  • Over-50s often have more experience than younger drivers, so they're considered to be safer and less likely to be involved in an accident.
  • They often have a large no-claims bonus helping them qualify for more generous no-claims discounts when they buy or renew their policy.

1Based on Q4 2022 Confused.com price index.

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.

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 150 insurers to find you our best deals.

Save up to £260* 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 over 70s.

But they may not be cheaper than a mainstream car insurance provider. So it's always worth comparing prices and policies.

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:

  • 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 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.

Louise Thomas - Car insurance, personal Finance, mortgage and life insurance expert signature

Louise Thomas

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 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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