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Car insurance for over 60s

Compare cheap quotes for over 60s car insurance

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How could I benefit from a specialist over 60s car insurance policy?

  • Cheaper car insurance is usually available to more experienced drivers
  • Specialist over 60s cover is available with insurers such as Saga or Rias
  • Optional extras are often included as standard with an over 60s policy

If you have a clean driving history, you can find cheap car insurance for over 60s with most insurers. It’s worth comparing all insurers and choosing the car insurance that most suits your needs - don’t assume specialist companies always offer the best car insurance for over 60s.

Is car insurance cheaper for over 60s?

Generally, yes. Once you reach the age of 60, you should get cheaper car insurance than younger drivers. Your years of driving experience mean you're less likely to have an accident. As a result, insurance companies usually offer cheaper premiums for over 60s, especially for those with a clean driving record.

Our data shows that the average cost of fully comprehensive car insurance for drivers in their 60s is £405, compared to £612 for drivers in their 40s.

Age Average Cost1

1Based on Q4 2022 Confused.com price index.

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What factors affect the price of car insurance, other than age?

Age isn’t the only thing that could influence the price of your car insurance.

Where you live is considered by insurers. Your postcode is used to calculate the risk of making a claim. Living in a rural area might be less risky than a built-up area, which could be reflected in your price.

The car you drive is also a factor. Insurers split cars into groups from 1-50. The higher the group, the more expensive your car might be to insure. Find out more about car insurance groups.

If you haven’t claimed on your car insurance in a while, you may also have built up a no claims discount. Insurers will also consider this when working out your car insurance quote.

Car insurance costs generally go down as you get older. But if you’ve received any driving convictions, for speeding or drink-driving, for example, that could lead to a significant increase to your insurance costs..

How do I get cheaper car insurance when I’m over 60?

There are plenty of ways for over 60s to save money on their car insurance, especially if you’ve retired:

  • Check your mileage
  • Select your occupation
  • Avoid auto-renewal
  • Take an advanced driving course

Check your mileage. If you’re over 60 or have retired, you may be driving fewer miles than you used to. The higher your estimated mileage the more your insurance could cost, so try to be as accurate as you can.

Select your occupation is another way you could save. You could be nearing retirement, 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 could affect your car insurance price.

Avoid auto-renewal to make sure you’re getting the best price. Staying loyal to an insurer isn’t always the cheapest option, here are 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.

Take an advanced driving course. It’s never too late to up your game and improve your driving skills. In addition to making you an even safer driver, it may also bring your insurance prices down.

Find out more ways to cut the cost of your car insurance.

What do I need to compare car insurance for over 60s?

If you’ve used our website 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.

Being completely transparent with your insurer and the DVLA is important. For example, by law, you must declare to the DVLA certain medical conditions or disabilities that may affect your driving. Find out more about medical conditions and driving.

If it’s your first time getting a quote with us, you’ll just need a few details. These should be included in your latest renewal documents from your current insurer.

Personal details:

  • Any points on your licence – including any convictions
  • Details of any claims or accidentsfor the last 5 years
  • Your driving licence type and number.Plus, details of any medical conditions that might affect your ability to drive or restrict your licence
  • Details of your no-claims bonus (NCB) in years

Car details:

  • Registration number or make and model of your 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 142 insurers to find you our best deals. If you want to make any changes at this point, you’ll have an option to edit your quote.

Compare cheap quotes for over 60s car insurance

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

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

Breakdown cover can give you reassurance knowing you’ll have assistance to get you back on the road if your car gives you trouble. 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. This could include medical expenses or compensation for injuries caused to you or a passenger

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 our expert says:

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.

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

Louise Thomas

Car insurance Product Manager

Need more help?

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

Yes. 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.

Is car insurance cheaper when you retire?

This depends on the individual’s circumstances. Insurance companies take into account a wide range of factors when calculating the price of your insurance. This includes your age and driving history, your occupation, the car you drive and your estimated annual mileage. So if your annual mileage goes down and you don’t change car you may well pay less when you retire.

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 might vary depending on your circumstances. To check average costs in your region by age, take a look at our car insurance calculator.