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
Buy car insurance and choose a freebie with Confused.com Rewards
Single annual policy. Lidl Plus app required, 18+, geographical exclusions apply. T&Cs applyWhat 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!
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 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.
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.
Car insurance guides

What to do if you're hit by an uninsured driver
What happens if you're involved in an accident with an uninsured or untraceable driver.

Best dashcams
We take a look at the best dash cams on the market right now

Car trackers: everything you need to know
With the rise in car theft, car trackers are becoming increasingly popular. With some insurers only insuring you if you fit an insurance-approved car tracker.

London congestion charge
Planning on driving in London? Here's all you need to know about the London congestion charge, so you can get clued up before you get caught out.

The 9 most common motoring offences
We look at the most common motoring convictions in 2021

Types of vehicle and car theft and how to prevent them
Criminals are using sophisticated methods to break into vehicles, here's how to protect your motor.