Join over 1 million customers with free £250 excess cover

More info

Over 50s car insurance

Compare car insurance for over 50s and you could save up to £136[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 prices for over 50s drivers is cheaper than younger age groups

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 – and our research backs this up.

In fact, the average price of comprehensive car insurance is less than half the price at 50 than it is at 21.

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.

*Average purchase price for annual comprehensive car insurance policies bought through GoCompare in April 2021.

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

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

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 29% less than drivers over 50.[3]

Over 8,000 customers rated us on average

4.6 out of 5

10,211 car insurance reviews on as of March 2020

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.

excess cover for car

Join over a million customers with free £250 excess cover^

What’s an excess? It’s the amount of money you agree to pay towards a claim when you take out insurance.

Don’t worry – GoCompare will refund up to £250 of your excess^ if you do need to claim.

We’ve already refunded £1 million* to customers!

Claim your free £250 excess cover >

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

*Between July 2019 and November 2020, £1M has been refunded to free excess cover customers following a successful claim.

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.

[2]Based on independent research by Consumer Intelligence during 1 February to 28 February 2021: 51% of consumers aged over 50 could achieve a saving of up to £136.11 with GoCompare car insurance based on a comparison of 31 companies.

[3]Average cost of comprehensive car insurance for over 50s was £354.83, and the average price paid by over 70s was £250.45, bought through GoCompare in April 2021.

GoCompare uses cookies. By using the website you agree with our use of cookies.