Over 60s car insurance

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How to find cheap car insurance when you're over 60

Once you reach the age of 60, you should see your car insurance prices start to fall. This may be down to your years of experience behind the wheel, or your clean driving record. Either way, you could benefit from cheaper prices.

Here are a few tips that can help bring down the price of your car insurance quote even more:

Check your mileage – if you’re over 60, you may be driving fewer miles than you used to. Mileage affects the cost of your insurance, so try to be as accurate as you can when estimating your annual miles.

Occupation – it’s likely you’re nearing retirement age, or already retired. Insurers use your job title to help calculate the cost of your insurance, so make sure to update this when getting your quote. Choose ‘retired’ – if that applies to you – instead of ‘unemployed’. See how your job title can affect your car insurance price.

Avoid auto-renewal – it may be tempting to auto-renew with your current insurer as it makes things easier, but there are still savings to be made by comparing quotes. It’s not unusual to see prices go up even if your circumstances haven’t changed and you’ve not made a claim. Many insurers offer introductory discounts for new customers. If you’ve been with an insurer for a year or two, you may see those discounts disappear.

Since April 2017, it’s been compulsory for insurers to show customers how much they paid for their policy the previous year. This makes it even easier to work out whether you’re being charged more or less to renew. If you compare quotes through us, we guarantee to beat your renewal price. And if we don’t, we’ll pay the difference plus £20! Must be a like-for-like policy T&Cs apply


Is car insurance cheaper for over 60s?

The price you pay for your car insurance depends on a few things, including your individual circumstances. But our data shows that the older, more experienced a driver you are, the cheaper your insurance will be.

Age Average cost2
20-29 £1,231
30-39 £751
40-41 £652
50-59 £503
60-69 £352
70-79 £301

Age isn’t the only thing that will influence the price of your insurance though:

Where you live – insurers use your postcode to calculate the risk of claims. Living in a rural area might be less risky than a built-up area, which will be reflected in your price. For example, a male driver aged 61-65 living in the South West might pay around £2411 for a comprehensive policy. Whereas a male driver aged 61 – 65 living in Manchester/Merseyside, might pay around £5021.

The car you drive – cars are grouped from 1-50. The higher the group, the more expensive your car is to insure. Find out more about car insurance groups.

1Confused.com Q1 20201 price index.

2Average cost for fully comprehensive quotes from Jan 2021 - April 2021.


Should you consider extra cover or add-ons for an over 60s car insurance policy?

Policy extras or add-ons can give you peace of mind when you’re on the road. Remember, only choose extras you need, as they’ll increase the cost of your quote.

Breakdown cover can give you reassurance knowing you’ll have assistance to get you back on the road if your car gives you trouble. The last thing you want to be worrying about is changing a tyre or working out why your car is overheating on the side of the road. There are a few levels of cover to choose from including local recovery, national recovery and European cover.

Courtesy car cover can keep you on the road while your car gets repaired after an accident. This might come in handy if you rely on your car to get around and don’t have friends or family who can help you out.

Motor legal protection could help you recover losses that aren’t covered by your car insurance policy such as medical expenses, or compensation for injuries caused to you or a passenger.

Personal accident cover gives you an increased level of protection up to £100,000. It also covers all named drivers on your policy.

Some insurers include these add-ons as standard on their policies, but if there are any extras you’re particularly interested in, it’s easy to choose an add-on once you’ve got a quote. We’ll then recalculate your prices to show policies that include it.


What you need to compare car insurance for over 60s

Getting a quote is easy. Answer a few questions and we’ll search quotes from the 120 trusted insurers we work with to help find the best price for you.

If you’ve used us 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.

Our car insurance expert, Alex Kindred, says: “It’s important to be completely open when getting your quote. If you have any medical conditions or disabilities that affect your driving, you’ll need to let your insurer and the DVLA know about it."

To get a quote, you’ll need to let us know:

Personal details:

  • Your occupation, address and date of birth
  • Any points on your licence – include any convictions
  • Previous claims or accidents which happened in the last 5 years
  • Your driving licence type and number
  • Details of your no-claims bonus (NCB) in years. You can find this on your recent renewal documents.
  • Car details

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

  • We compare 120 trusted UK car insurance brands 

    What our expert says:

    "Simple changes to your details - such as your mileage and job title – might save you some money. When you’re getting a quote, make sure these are as accurate as possible and you could make a saving."
    Alex Kindred car insurance product manager signature
    Alex Kindred, Car insurance Product Manager

    FAQs

    Should I use a specialist over 60s car insurance provider?

    Some insurers cater specifically for drivers over the age of 60, offering discounted add-ons or extras such as breakdown cover or courtesy cars. Although, if you have a clean driving history, you may find cheap car insurance with most insurers. It’s worth comparing all insurers and choosing what best suits your needs.

    Do I need to tell my insurer I’m retired?

    Your personal details, like your occupation, can affect the price you pay for your insurance. So, if your circumstances change, you should let your insurer know. Making sure your policy is up-to-date can help you avoid any issues if you need to make a claim.

    At what age does car insurance become cheaper?

    Our data shows that the older you get, the cheaper your car insurance becomes. The more experience you gain on the road should be reflected in your prices, although costs start to rise again for those over 80. Your individual price will vary depending on your circumstances.

    Age Average cost

    Age  Average cost2
     20-29 £1,231
    30-39 £751
    40-41 £652
    50-59 £503
    60-69 £352
    70-79 £301
    80-89 £414