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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.
Types of car insurance
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.
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.
Car insurance Product Manager
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Carol - Confused.com customer (August 2022)
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"It was easy, fast and I found the best quote for me."
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"Very simple and easy to find what I was looking for."
Raees - Confused.com customer (July 2022)
"Clear and easy finding car insurance with great deals, will use again."
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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.
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