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Over 80s car insurance

Compare cheap car insurance for the over 80s

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  • Compare up to 168 trusted insurance companies, including specialist insurers

  • Specify the policy extras you want, like breakdown cover and motor legal protection

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How do I compare quotes for over-80s car insurance?

Finding cheap car insurance with Confused.com is easy. Just follow these 4 quick steps:

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Click 'get a car quote'

Then fill in your details. We’ll ask you for your personal details, your yearly mileage, and whether you have any points on your licence. Don’t worry, your details are safe with us. We’ll only use them to find you a great deal.

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Compare prices

Next, we’ll show you a list of prices from the insurers we work with, with the cheapest policies first. Not every policy will cover the same things, though! Click or tap ‘more info’ and scroll down to see what each one covers.

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Pick your policy

Once you’ve found a policy you like the look of, click ‘buy with insurer’. You’ll then be taken to that insurer’s website. Simply follow the instructions they give you to complete your purchase and hey presto, you’re insured!

Is car insurance more expensive for the over 80s?

Age Average policy cost*
20-29
£1,474
30-39
£1,002
40-49
£803
50-59
£630
60-69
£520
70-79
£410
80+
£659

According to our data, over 80s pay an average of £659 for their car insurance. This is £175 cheaper than the all-ages average of £834*. 

This places them among the lowest-paying age groups for car insurance - though those aged 50-79 still pay less.

Here’s a look at what over 80s pay for their insurance compared to other age groups.

*Confused.com data Q4 2024.

What affects the cost of over-80s car insurance?

Insurance prices are all based on risk: The higher your perceived chances of making a claim, the more you pay for your insurance.

This tendency for prices to creep back up after 70 is mainly due to insurers viewing older drivers as higher risk. Insurer’s data likely tells them that over 80s claim more often than the over 70s - and so they tend to pay more for their insurance.

Other things can affect what over 80s pay too. Adaptations they may need to make to their cars, like adding in wheelchair lifts or other accessibility aids, push their cars into the ‘modified’ bracket. And modified car insurance typically costs more than standard car cover.

Want to take a deeper look at how car insurance is calculated? See our guide.

We compare up to 168 trusted insurance companies, including specialist over 80s insurers

RIAS car insurance logo
Admiral car insurance logo
Churchill car insurance logo
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Do over-80s need specialist car insurance?

No. Over 80s can buy a standard car insurance policy.

But specialist policies for older drivers do exist.

These might come with additional benefits - like 3-year fixed prices, or other features  - that you wouldn’t get on a standard car insurance policy. So they can be worth looking into.

Some insurers only offer car insurance for the over-50s. This, they claim, gives them more experience in serving the needs of elderly motorists than all-ages insurers. Though you should always check your policy documents to see exactly what an insurer can offer you before buying insurance with them.

Whether you actually need a specialist car insurance policy as an over-80 driver is up to you. But they’re out there if you want them.

What our car insurance expert says

"Standard policies estimate the market value of your car, but they might not reflect the actual value of your classic car. If you want an agreed valuation for your car, speak with the insurer before you buy. An agreed valuation on your policy helps ensure you’re not left out of pocket if your car is damaged or stolen."

Louise Thomas, Motor Insurance Expert at Confused.com
Motor Insurance Expert Confused.com logo

Compare cheap quotes for over 80s car insurance

Will my medical conditions affect the cost of my car insurance?

No. According to the Disability Discrimination Act 2005, insurers can’t charge you more for your insurance if you have a health condition.

And, as long as you haven’t had to hand your licence back to the DVLA on medical grounds, insurers can’t refuse to cover you either.

This means that disabled drivers over 80, or those with medical conditions, should pay the same for their cover as drivers of the same age with no conditions. 

Even so, it’s essential you declare all your health conditions when getting a quote. Failing to do so could invalidate your policy, preventing you from claiming if you need to. 

Other types of car insurance that could benefit drivers over 80

There are several types of car insurance to choose from, and some of them might serve the needs of drivers in their 80s better than others.

While standard car insurance might be ideal for some, other elderly drivers may want to look at types of cover like: 

Imported car icon

Pay as you go insurance

With these policies, you pay a flat fee and are then billed for each mile you drive. For older drivers who find themselves covering fewer miles than they used to, these policies can work out cheaper than standard ones. The average annual mileage our customers report is 6,574. If yours is below this, pay as you go car insurance might help you cut the cost of your cover.

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Temporary insurance

Temporary policies can be handy for older drivers who find themselves driving less, but who still want a car on-hand for emergencies. These policies allow you to insure your car for as little as 1 hour, or for as long as 28 days, meaning that you only pay for the exact amount of cover you need. For older, lower-mileage drivers, temporary policies might be a good way to save. 

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Black box insurance

For drives who are seeing the cost of their insurance creep back up after 80, black box insurance can be worth looking into. With these policies, a device tracks how you drive. The safer you navigate the roads, the cheaper your insurance might be when you come to renew. For confident drivers over 80, black box policies could be an easy way to curb their insurance costs.

How else can I get cheaper over 80s car insurance?

Looking for more ways to save on your insurance? Here’re a few tricks to try:

Pay annually

Paying for your insurance in one go, rather than monthly, is a quick way to save. Our data shows that those who pay yearly save an average of 40%* over those who pay monthly for their insurance.

Get your mileage right

The more time you spend on the road, the pricier your insurance is likely to be. Telling insurers you cover 10,000 miles a year when you only clock up 5,000 is a surefire way to drive up your insurance costs. To find out exactly how many miles you tick off each year, look at your MOT certificate.

Downsize, if you can

If you’re in the market for a new car, picking up one that sits in a lower insurance group is an easy way to save.

All cars are categorised into one of 50 car insurance groups, based on things like their overall value, or difficulty to repair. Smaller, cheaper cars tend to sit in lower groups, and typically cost less on average to insure than those in higher groups.

Going for a lower group car could help you bring your insurance costs down.

Check your car’s insurance group with our car insurance group checker.

*Confused.com data Q4 2024.

What if I have an older car? Can I still get insurance?

Yes, if your car is an older model, you’ll still be able to insure it.

In fact, even if your car is old enough to be considered vintage, you’ll still be able to find cover. Classic car insurance policies are tailor-made for older motors like these.

They work just like standard car insurance policies, but sometimes add in extra bells and whistles that might appeal to classic car owners - like agreed valuation clauses.

If your car isn’t quite vintage, but is still showing its age, no bother. We can help you find cover there too.

Just click or tap get a quote and we’ll do the rest to find you the right insurance at the right price.

Classic car insurance icon

Classic car insurance

  • For cars old enough to be considered classics     
  • Can include things like 'agreed valuation' clauses
  • Can be cheaper, depending on how you use your car

Learn more about classic car insurance

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