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Car insurance for over 70s

Compare cheap car insurance for over 70s

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Can I still get car insurance over 70?

Yes! Most car insurance companies will still offer drivers aged over 70 cover, so long as you have a driving licence and are considered medically fit to drive by the DVLA.

Is it more difficult to get car insurance for over 70s?

Over 70s should still be able to get car insurance pretty easily. Insurance for senior drivers might gradually start getting more expensive. This is because older drivers are considered more likely to have an accident, despite their age and experience.

How can I get the best price for over 70s car insurance?

You can get cheap car insurance once you are over 70 but you might find prices start to sneak up a little as you get closer to 80, however.

Don’t be disheartened if your quote has increased on last year’s, because there are a few things you can do to help reduce the price.

Here’s what you can do to get cheaper over 70s car insurance:

  • Accurately estimate your mileage
  • Increase your voluntary excess
  • Avoid auto renewal
  • Pay annually if you can

Accurately estimate your mileage. Insurers use mileage as a rating factor when calculating the cost of your insurance. You might find you’re doing fewer miles now that you’re in your 70s. Reducing the total mileage – even slightly – might help save you money.

Increase your voluntary excess to lower the cost of your insurance quote. Just make sure you can afford to pay the selected amount if you make a claim.

Avoid auto renewal with your current insurer. You should receive a renewal quote from your insurer when your insurance is due to expire. It’s tempting to accept the first offer but remember there are savings to be made by comparing quotes. If you’ve been with the same insurer for several years, your premium might start going up. Many insurers offer discounts to new customers.

The good news is, all insurers are now legally required to show you what you paid last year. This makes it even easier to see whether you’re being charged more for the same level of cover. We encourage comparing quotes and switching when you find a better deal.

Pay annually if you can. Most insurers charge interest if you choose to pay monthly. If you can afford to pay for the whole policy in one go, then you could save up to 16%2 on your quote vs monthly payments.

Find out more ways to get cheaper car insurance.

2Based on Confused.com data Jan 2022 - Jun 2022

Is car insurance more expensive for over 70s?

The price you pay for your car insurance depends on a variety of factors, but age does play a part. The good news is your years of driving experience mean seniors should enjoy cheaper car insurance than younger drivers, especially if you have a good driving history.

Our data shows the average car insurance price for those aged 70+ is £3961However, once you reach 80, the price may start to rise again as insurers see drivers over 80 as higher risk.

Here’s the average car insurance premium for each age group:

Age Average Cost1
20-29
£1,041
30-39
£700
40-49
£561
50-59
£448
60-69
£374
70+
£396

1Based on Q3 2022 Confused.com Price Index.

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What do I need to compare car insurance quotes for over 70s?

We compare quotes from up to 140 trusted insurers to help find you our best price. To compare quotes, you’ll need to answer a few questions and provide the following details:

Personal details:

  • Your occupation, address and date of birth
  • Any points on your licence – including any convictions
  • Previous claims or accidents which happened in 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

If you’ve used us before to get a quote, you can log in to your Confused.com account to make things quicker. Check your details are up to date, as things may have changed since you last used us.

What do I need to know about driving in my 70s?

Being an older driver in your 70s means you can continue to enjoy the independence that comes with having your car, like being able to visit friends and family nearby or a little bit further away. It also allows you to take care of basic tasks like shopping or attending appointments.

Regardless of your age, comparing cheap car insurance should still be a priority, and that’s where we can help.

Compare cheap quotes for over 70s car insurance

Will my health affect my car insurance at 70?

As we get older we're more prone to develop health conditions that might affect our ability to drive. Insurers see this as a higher risk which can increase the price you pay for seniors car insurance.

Your licence must be kept updated with any health or medical conditions that might affect your ability to drive safely.

When you get a quote, we'll ask you whether you have any DVLA-reported medical conditions or disabilities. This includes any conditions that the DVLA considers will affect your ability to drive, or restrict your licence.

Find out more about medical conditions and driving.

What medical conditions should I declare on my licence?

If you have a medical condition that could affect your driving, then you’ll need to declare it to the DVLA and your insurer. These conditions include, but aren’t limited to:

  • Epilepsy
  • Diabetes
  • Parkinson’s disease
  • Heart conditions
  • Visual impairments
  • Strokes
  • Sleep apnea

If you develop a condition or disability, it's your responsibility to let the DVLA know about it. Once the DVLA are notified and have assessed the condition, they'll decide:

  • Whether you get a new driving licence
  • Have a shorter licence e.g. for 1 or 2 years
  • Need to adapt your car by fitting special controls
  • If you must stop driving and give up your licence

Based on their decision, you should notify your current insurer to let them know of a change in your circumstances.

For more information, visit driving and medical conditions on GOV.UK.

Once you reach 70, you’ll need to renew your driving licence. You’ll then need to renew it again every three years. You won’t, however, have to take your driving test again.

Renewing your licence is free to do and the DVLA should send you an application roughly 90 days before you turn 70. See our guide for more information on how to renew your licence at 70.

What our expert says:

Once you’re in your 70s you should see some of the lowest car insurance prices because of your years of driving experience. It can be tempting to accept your renewal offer but remember it’s always worth comparing quotes. You can still make a saving!
Alex Kindred car insurance expert signature

Alex Kindred

Car insurance expert

Need more help?

Do older drivers need a specialist insurance provider?

No, as an older driver you can still compare a range of insurance companies. There are specialist insurance companies who offer car insurance for over 70s, but you may find a better deal by comparing all our insurers. We guarantee to beat your renewal price3, and if we don’t find you cheaper car insurance, we’ll pay you the difference plus £20.

3Must be a like-for-like policy. T&Cs apply.

Do I need to take my driving test again when I’m over 70?

No. Once you reach 70, you won’t need to retake your driving test but you might need to renew your driving licence. It then needs renewing every 3 years after that. It’s free to renew your licence after you turn 70.

If you feel like your confidence needs a boost it might be worth considering an advanced driving course.

How do I renew my driving licence when I’m over 70?

Renewing your licence at 70 is straightforward. About 90 days before you turn 70, the DVLA should send you an application form. Just fill it out and return it to the DVLA. For more information, see our guide on how to renew your licence at 70.

Should I consider telematics or black box insurance as an older driver?

Telematics, or black box insurance, is generally aimed at young, inexperienced drivers who are trying to keep costs down. But it may be an option for you if your insurance prices have spiked.

Black box policies track and send data back to your insurer who’ll then use this data to calculate your price. The safer you drive, the less you’ll pay for your insurance.

Is there a maximum age limit for car insurance?

There isn't a maximum age for car insurance and some motorists carry on driving well into their 80s, even their 90s. However, you might find that some insurance companies impose their own limits, so you might find you have less choice as you get older.