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Car insurance for over 70s

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Can I still get car insurance over 70?

Yes, you can. Most car insurance companies still offer cover for drivers aged over 70. There isn't a maximum age for car insurance, but you might find you have less choice as you get older. This is because some insurance companies impose their own limits.

As long as you have a driving licence and are considered medically fit to drive by the DVLA, you should still have a good choice of insurers. Many motorists carry on driving well into their 80s, even their 90s.

Is car insurance more expensive for over 70s?

Car insurance is less expensive for over 70s compared to most other age groups. Even over 50s car insurance tends to be more expensive.

Our data shows that, on average, drivers in their 70s see some of the cheapest prices for car insurance. This is because they generally have more years of experience and, with a good driving history, often have a larger no-claims bonus. But you may see higher prices than drivers in their 60s.

Our data shows the average car insurance price for those aged 70+ is £6281. However, 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.

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

Age Average Cost1
20-29
£1,785
30-39
£1,201
40-49
£960
50-59
£740
60-69
£608
70+
£628

1Based on Q4 2023 Confused.com Price Index.

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

As long as you have a good driving history, you should still be able to get relatively cheap car insurance once you're over 70. But don’t be disheartened if your quote has increased on last year’s, because there are a few things you can do to help lower the price:

  • Accurately estimate your mileage
  • Select your occupation
  • Increase your voluntary excess
  • Avoid auto renewal
  • Pay annually rather than monthly

Accurately estimate your mileage. Insurers use mileage as a 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.

If you do drive fewer miles than you used to, you might benefit from a pay-as-you-go insurance policy. Similar to a telematics policy, it uses a black box device or mobile phone app that monitors your mileage. Unlike most telematics policies, a pay-as-you-go policy doesn't monitor other driving behaviours.

Select your occupation. If you're retired, make sure you choose that option rather than 'unemployed' when getting a quote. Being retired doesn't necessarily mean you'll see cheaper prices. But if your occupation before retirement was considered higher risk by insurers, you could see your costs come down.

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 get 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.

The good news is, all insurers are 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 rather than monthly 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 19%2 on your quote vs monthly payments.

Find out more ways to get cheaper car insurance.

2Based on Confused.com data October - December 2023.

We compare up to 163 trusted insurance companies, including specialist over 70s companies

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

To compare quotes, you’ll need to answer a few questions and provide the following details:

Personal details:

  • Your occupation, address, date of birth and how long you've held your licence.
  • Any points on your licence – including any convictions.
  • Previous claims or accidents that happened in the last 5 years.
  • Your driving licence type and number. Learn how to check your driving licence.
  • 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?

Once you reach 70, you’ll need to renew your driving licence. You’ll then need to renew it again every 3 years. You don't 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.

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

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 affect our ability to drive. Insurers see this as a higher risk, which can increase the price you pay for car insurance as an older driver.

If you have a medical condition that could affect your driving, then you 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 apnoea

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
  • If you should renew your licence more often - for example, every 1 or 2 years rather than the standard 3 for over 70s
  • Whether you 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 insurer to let them know of a change in your circumstances.

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

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 believes will affect your ability to drive, or restrict your licence.

Find out more about medical conditions and driving.

Who is Confused.com?

We were founded in 2002 as the first car insurance price comparison website. Since then, we've helped millions of customers save money on their car insurance. In fact, over 5 million customers trust us each year to help them find their insurance.

We work with 163 reputable car insurance companies who are all authorised and regulated by the Financial Conduct Authority (FCA). The FCA ensures UK customers are treated fairly when it comes to banking and insurance. You can be safe in the knowledge that all the insurers we work with meet the FCA's requirements.

We're 100% independent and not owned by an insurance company, so you can be sure the insurance prices we show you are the best available, based on the information you give us.

We're also rated 'Excellent' on Trustpilot, and 96% of our customers would recommend us on REVIEWS.io.

Do older drivers need a specialist insurance provider?

No - as an older driver you should still be able to get insurance through most mainstream providers. But there are specialist companies who offer certain benefits and options that mainstream providers don't, such as:

  • Emergency any driver cover, which means anyone can drive your car home if you suffer a medical emergency while driving.
  • Protected no-claims discount (NCD), allowing you to keep your NCD even if you make a claim during your policy.
  • Increased personal accident cover is sometimes included as standard on these types of policies. These provide an increased amount towards any injuries sustained during a journey, or getting into or out of an insured car.
  • Guaranteed courtesy car provides you with a replacement car if yours needs repairs following an accident.

If you're interested in any of these additional benefits - once you've got a quote you can look at the details of each policy you're offered to find one that includes what you need.

Not all drivers over 70 need specialist cover, and it isn't always cheaper. So, it's always worth comparing quotes to ensure you're getting the best price for the cover you need.

What our expert says:

"You might find your car insurance prices start creeping up again once you’re in your 70s. If you have a medical condition that could affect your driving, it’s important you declare it to the DVLA and your insurer. Being involved in an accident as the result of an undeclared condition could land you with a £1,000 fine and your insurance not paying out."

Louise Thomas, Motor Insurance Expert at Confused.com
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Page last reviewed: 23 January 2024

Reviewed by: Louise Thomas