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Over 50s car insurance

Compare car insurance for over 50s and you could save up to £150[2]

More car insurance choices for the over 50s

You're 50, so now you can buy a car insurance policy designed specifically for your age.

Specialist policies cover your age and experience, but fundamentally, car insurance for the over 50s is no different to car insurance for other age groups.

We have specialist over 50s insurance providers on our panel alongside other insurers, so you can compare a range of insurers to find a policy that best suits you.

The most important thing, whether you pick a general policy or, one exclusively for the over 50s, is that you get the right level of cover for you and your car. We’re here to help with that, and to help you save money on your cover.

Car insurance policies marketed at the over 50s are typically feature-rich, as extras like breakdown cover are more popular in this age bracket

Specialist providers may be able to offer these policies at competitive prices, but the same benefits are commonly available in the open market. So, it always pays to shop around, taking the level of protection as well as the price into account
Gareth Dyer, senior product manager at insurance company iGO4

Is over 50s car insurance cheaper?

Because you're over 50s you're perceived as a low-risk driver, and less likely to make a claim. Usually, you'll get cheaper car insurance. There are two main reasons for this:

1) It’s likely you have a wealth of driving experience

2) You have years of claim-free driving built up

Combine that dynamic duo of factors with a spot of shopping around, and you may reduce the cost of your car insurance.

Remember that a car insurance premium is calculated based on your car, its insurance group, your driving history, and a host of other factors, not just your age and number of years on the road.

Car insurance prices for over 50s drivers is cheaper than younger age groups

Get a car insurance quote at the right price

We’ve got a number of tips to help you get cheaper over 50s car insurance:

  1. Look at your mileage

    As a general rule, the lower your mileage, the less you’ll pay

  2. Increase your voluntary excess

    If you can pay more towards a claim, then you’ll likely have cheaper insurance

  3. Secure your car 

    Fit your car with an alarm, immobiliser, and tracker to keep it as safe as possible

  4. Pay in full

    If you can afford to pay annually, you should be able to reduce the price

  5. Additional drivers 

    Your experience may help lower a premium, but adding a young, inexperienced driver could raise the price again - it’s a balancing act

  6. Telematics

    Your car can be fitted with a black box, so your insurance cost will be based on how safely you drive

When car insurance for the over 50s costs more

If you have a high-performance car and some points on your licence, the price of your insurance will rise, this applies to both general policies, and specialist over 50s policies.

Specialist older drivers’ policies will sport features that normal car insurance doesn’t have - like no upper age limit - but it'll come at a higher price.

Your insurance premiums decrease as you get older. We checked the average cost of fully comprehensive car insurance and found that drivers over 70 pay 2% less than drivers over 50.[3]

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Your health and your insurance

Unlike travel insurance for the over 50s, your age and health shouldn't affect your car insurance. So long as the DVLA is happy you’re healthy enough to drive, then your health won’t affect your car insurance.

There are some medical conditions you must tell the DVLA about - epilepsy or poor eyesight are just two examples.

If it impacts your driving ability, the DVLA need to know.

Once informed, the DVLA will then be able to determine whether you're fit to drive.

It’s important that you disclose any issues or disabilities you suffer from that are on the DVLA website. It could come back to haunt you if you don’t, and you could end up with a fine of up to £1,000.

Not only this, but your insurance company may refuse to pay out on a claim if you’ve withheld this information.

As you’ve been signed off by the DVLA, telling your insurer about your medical situation should not cause the price of car insurance to rise.

Join over a million customers with free £250 excess cover[4]

Claiming on your car insurance is stressful enough, without the added cost of your excess – and we want to help with that.

If you do need to claim, you'll have to pay your excess first, and then we'll refund up to £250 after your claim's settled.

It really is free. We haven't hidden the cost anywhere.

Claim your free £250 excess cover

[4]Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.

All you need to get started

We only need to know these things to get your quotes:

  1. Vehicle details and modifications

    It’s quicker to have the registration number handy if you know it

  2. Usage 

    Are you using the car for socialising, commuting or business?  

  3. Mileage

    How many miles do you drive per year? 

  4. Your information

    Like your age, employment status and email address

  5. About your driving 

    How long have you been driving for? Declare medical conditions or previous claims.

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[2]Price savings are based on independent research by Consumer Intelligence, conducted between 1 July to 31 July 2020:
51% of consumers aged over 50 could achieve a saving of up to £150 with car insurance based on a comparison of 30 companies

[3]Average cost of comprehensive car insurance for over 50s was £335, and the average price paid by over 70s was £328, bought through GoCompare in March 2020

*The average cost of annual fully comprehensive car insurance purchased in May 2019 via GoCompare

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