"Being in your 60s might mean you've got years of driving experience under your belt. The good news is it also means that insurers generally see you as lower-risk and might reward you with cheaper insurance. That doesn't mean there aren't further savings to be made though. Comparing prices is the easiest way to see what savings are out there to be had and it only takes a few minutes."
How do I get cheaper car insurance when I’m over 60?
Although drivers in their 60s typically benefit from some of the cheapest car insurance prices, there are still ways you can save money:
- Accurately estimate your mileage
- Make sure your occupation is correct
- Avoid auto-renewal
- Pay annually rather than monthly
- Consider a telematics policy
Accurately estimate your mileage. If you’re over 60 or have retired, you may be driving fewer miles than you used to. The lower your estimated mileage, the more your could save, so try to be as accurate as you can. Make sure you don't underestimate your mileage though, as this could invalidate your policy.
Make sure your occupation is correct. Insurers use your job title to help calculate the cost of your insurance. So make sure you choose ‘retired’ – if that applies to you – instead of ‘unemployed’. On average, drivers aged 61-65 who put 'retired' as their occupation pay £335, compared to £490 for those who put 'unemployed'2.
You should also remember to let your insurer know if you retire during your policy.
Avoid auto-renewal and compare quotes as you may find a better deal elsewhere. Remember, it's compulsory for insurers to show you how much you paid for your policy the previous year. This makes it easier to work out if you’re paying more or less to renew. Our data suggests that the best time to buy a new policy is about 3 weeks before your renewal date2.
Pay annually rather than monthly for your insurance if you can. You could save up to 17%2 by choosing to pay annually, as insurers normally add fees and interest to monthly payments.
Consider a telematics policy. These types of policies are often aimed at young drivers who have less experience on the road, but they could also be worth considering if you're over 60. If you have a low annual mileage, you might find a better deal with a pay-per-mile black box policy than a traditional car insurance policy.
2Based on Confused.com data July 2023 - September 2023
What our expert says:
Types of insurance for your 4x4
is a legal requirement if you're driving in the UK. Find out more about choosing the right cover at the right price.
helps cover you and your van against the risk of fire, damage or theft.
protects pickups for social, business and haulage use.
offers short-term comprehensive cover from one hour to 28 days.
offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
covers you if you use your car for work, including travelling between offices or across the country.
covers your van while its being used for business-related driving.
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