£4 million refunded to customers with free excess cover More info

Over 50s car insurance

Compare car insurance for over 50s

Couple driving in a land rover with their dog

More car insurance choices for the over 50s

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

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 providers on our panel alongside other insurers, so you can compare them against each other 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 at a great price. We’re here to help with that.

Is car insurance for over 50s cheaper?

As you're over 50, you're perceived as a lower risk driver, and less likely to make a claim. Usually, you'll get cheaper car insurance as a result.

In fact, the average price of comprehensive car insurance is less than half the price for a 50 year old than it is for a 21 year old.[1]

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 with a spot of shopping around, and you could easily find a reasonably priced car insurance policy.


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

When car insurance for the over 50s costs more

Your 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.

However, when you’re over 50, you can generally expect to pay less than drivers who are younger than you.

Our data shows that the average purchase price for annual comprehensive car insurance for people aged 50 is £383.

That’s less than the average price for those aged 40 (£464), aged 30 (£558) and less than half the price of the £934 average for a 21-year-old driver.

And there’s more good news. We checked the average cost of comprehensive car insurance and found that drivers over 70 pay slightly less than drivers over 50.[2] So you could find your insurance premiums will decrease as you get older, too.

Should I use a specialist over 50s car insurance provider?

There are several specialist car insurance providers for over 50s - including Saga and Rias. But mainstream insurers can also cover you.

It’s a good idea to compare as many policies as possible to see which best suits your needs and budget.

There are advantages to buying a specialist car policy for over 50s. Some include features as standard that are especially tailored or useful to your age group like:

  • Protected no-claims discount: If you have over a certain number of years no claims intact (usually four or more), your no-claims discount (NCD) will be protected up to a set number of claims within a specified period.
  • Misfuelling cover: You’re covered if you accidentally top up your tank with the wrong type of fuel.
  • Onward journey cover: Your provider will arrange transport for you to get home, to your planned destination or another safe place if you’re involved in an accident and your car can’t be driven. Some providers may even cover the cost of emergency accommodation if you’re far from home, so you can continue your journey the following day.
  • Emergency ‘any driver’ cover: If you have a medical emergency that interrupts your journey, your policy will cover another driver to take over the driving to get you to your destination or to take your car back home.
  • Guaranteed courtesy car: When your car is being repaired after an accident, you’ll get to use a hire car for as long as the repair takes, so you’re not left without a vehicle.
  • No upper age limits: Some insurers won’t offer cover to drivers over a certain age.
  • Unlimited European Union (EU) cover: Useful if you take a lot of driving holidays abroad.
  • Key cover: Replaces your car keys if lost or stolen.
  • Fixed price guarantee: You’ll pay the same for your second and third year of cover as you do for the first year - as long as your details and information doesn’t change.

How to get cheaper over 50s car insurance

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

  1. Consider a more practical car

    Smaller and less powerful cars typically fall into the lower insurance groups, so cover is cheaper. If you’re doing less driving than you used to and don’t need as much space, consider whether you really need a large, high-powered vehicle.

  2. Look at your mileage

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

  3. Increase your voluntary excess

    If you can pay more towards a claim, then you’ll likely have cheaper insurance. Make sure you can afford to pay it though.

  4. Secure your car 

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

  5. Overnight parking off road or in a garage

    If you park your car in a drive or garage, you could get lower premiums than if you park it overnight on the road.

  6. Pay in full

    If you can afford to pay annually rather than monthly, it can help reduce the price.

  7. Additional drivers 

    Your driving experience may help lower someone else’s premium if you’re included as an additional driver on their policy, but adding a young, inexperienced driver to your policy could raise yours.

  8. Telematics

    A black box is fitted to your car and your premium will be based on how safely you drive.

  9. Don't auto-renew

    Don’t let your insurance auto-renew without investigating other options. You could be charged more for the year ahead, even if nothing’s changed on your policy.

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

What can affect the cost of over 50s car insurance?

High performance cars

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

Using your car for commuting

Using your car to commute to work can push up your premium. As you’ll likely be driving at peak times in busy traffic, you’ll be seen as more of a risk for insurers. If you no longer need your car for commuting to work, be sure to let your insurer know.

Any driving convictions

People with motoring convictions and points on their licence are seen as a greater risk to insure. So premiums will cost more for them.

Your age

If you’re aged between 50 and 70, you can expect to get cheaper insurance than younger drivers. But prices may rise again as you approach your 80s. That’s because statistics show elderly drivers are more likely to be involved in accidents or to make insurance claims.

Once you reach 70, you must reapply for your driving licence every three years.

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 Driver and Vehicle Licensing Agency (DVLA) is happy you’re healthy enough to drive, then it 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 needs 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 can 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 your car insurance to rise.

£4 million refunded to customers with free excess cover^^

If you need to claim, we’ll pay £250 towards your excess^. Just another reason to make your life choices on Go.Compare.

Get car insurance
excess cover for car

All you need to get started

We only need to know the following information 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 any medical conditions or previous claims

Get a quote and save

Frequently asked questions

You may want to consider optional extras that give you peace of mind. Things like breakdown cover, or a guaranteed replacement car if yours goes in for repair after an accident.

Opting to protect your NCD can also be a good idea if you’ve got several years built up. Keeping your NCD intact can mean cheaper prices for your car insurance at renewal.

No, you won’t need a health check. But you must inform the DVLA if you have a medical condition that could affect your driving abilities. You can find out what sort of conditions you need to tell the DVLA about here.

The DVLA will assess your condition and decide if you can continue to drive, need to adapt your car or give up your licence.

If you’re deemed unfit to drive, you’ll be refused insurance cover.

Remember it’s important to keep up to date with regular eyesight checks, too. The law says you must be able to read a number plate from 20 metres away to be able to drive.

Yes, your policy should offer 90 days EU cover as standard.  Some insurers offer longer cover - up to 180 days, for example. And others, including specialist over 50s providers may offer unlimited cover abroad.

Just be sure to check your policy carefully. While some provide you with the same level of cover you have at home (so if your policy is comprehensive in the UK, it’ll be the same abroad), others only offer third party cover as standard. Whatever the case, most providers will allow you to upgrade your cover for a fee.

There’s no official age at which you have to stop driving. But some insurance providers will set their own upper age limits. Some will refuse cover to anyone aged over 85, for example.

But there are plenty of providers who have no age limits and will offer cover to drivers of any age, as long as they’re medically fit to drive.

When you give up work, you may find you’re driving a lot less than you used to. Perhaps you used to commute daily and now you just use the car for short shopping trips or errands. With a much lower mileage, and no regular commute, you could get cheaper car insurance.

That’s because the less amount of time you spend on the road, the lower the risk of being involved in an accident. So be sure to tell your insurance provider you’re retired, no longer commute or are driving less than before and your premium could come down.

The age of your car can affect your car insurance premium.

If your car’s old, it may not have the safety features that newer models do - things like autonomous emergency braking, lane keep assist and collision avoidance systems. So an insurer may deem your car to be at a higher risk of an accident and so charge you more for insurance.

Saying that, a modern car with such systems may be an expensive model, which will mean a higher premium too.

So, though age can have a bearing on the cost of insurance, it will depend on the insurer. That’s why it’s important to shop around for a policy.

If your car is more than 15 years old and worth more than £15,000 it may be a ‘classic car’.  These types of cars tend to get more valuable as they get older, and not less - just like antiques. You may want to consider a specialist classic car policy for this type of vehicle for that reason.

Tools and calculators

Mechanic using wrench and maintaining an engine

MOT checker

Find out what’s involved in a MOT, why to renew it and when yours is due

Man driving a car

Fuel cost calculator

See how much you spend on petrol or diesel on a single trip or on a regular basis

[1]Average purchase price for annual comprehensive car insurance policies bought through Go.Compare between Jan to Nov 2022.

[2]Average cost of comprehensive car insurance for those aged between 50 and 69 was £318, and the average price paid by over 70s was £315, bought through Go.Compare in November 2022.