Compare Car insurance for Over 60s
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How The Over 60s Can Save On Their Car insurance
Age plays a vital role when it comes to car insurance in the United Kingdom. Younger drivers, especially those in their teens, pay more insurance premiums as insurers consider them inexperienced drivers with a higher risk of accident. On average, a young drivers can expect to pay nearly 3 times mores more than older drivers over 80s car insurance or over 60s. As the younger drivers age and reach 60, they get cheaper car insurance. This is due to their wealth of driving experience, which makes them more cautious on the road. With increased caution, accident risks decrease, leading to lower insurance premiums. However, for older driver over 70s and 80s, their insurance premium tends to increase as they may face increased risk factors such as slower response times, bad vision and other health issues due to old age.
When you are looking for car insurance cover as you get older, remember that there is no maximum legal driving age in the UK. Unfortunately, some providers do impose an upper age limit, but t we will focus on those that do not penalise older drivers and how you can make savings on 60s car insurance.
Whilst experience and a good history of driving will always count in your favour as a driver over 60, sometimes it can still seem difficult to find a good deal on your car insurance. We can help you by explaining how insurance costs are arrived at and also providing you access to a panel of insurance specialist that deal with insurance for seniors.
What makes car insurance cheaper for over 60s?
Remember, the lower premiums for senior drivers are not solely attributed to age; insurance providers take into account various factors when determining insurance premiums. Some of these include:
Driving Experience: A long history of safe driving can positively affect your car insurance costs. An over-60s driver has more than decades, years of experience. Their versed experience results in a lower risk of accidents and cleaner driving records.
Occupation: Do you know why retirees pay lower car premiums? It’s because they are not active employees. Retired drivers who are over 60 have reduced daily commuting. So, they are less likely to engage in rush-hour driving due to workplace-related stress. This contributes to their safe driving practice, thus, lowering their car insurance premiums. If not retired, then your profession will play a role car insurance for police officers should be less expensive than a mobile hairdresser or travelling sales rep.
Lower your Mileage: Insurance providers often use annual mileage as a factor in determining premiums. If your estimated mileage is lower —indicating reduced usage of your vehicle— insurance companies may give cheaper premiums. For this, you can get a lower overall insurance cost.
Understanding the Types of Over 60s Car Insurance Options
Like any other car insurance policies, over 60s car insurance policies include:
Fully Comprehensive Cover: Fully comprehensive over-60s insurance policies offer the highest level of coverage. This includes protection not only for damage to third-party vehicles, but also for your car, regardless of who is at fault. It covers a wide range of incidents, including accidents, breakdowns, theft, fire, damage from natural events and legal cover for legal protection claims, sometimes.
Third-party cover only: Third-party coverage only fulfils the legal requirement for a car driver in the UK. if you have a Third Party Only car insurance policy and you are involved in an accident, your insurance will cover the costs for the other parties involved, such as repair costs for their vehicles or medical expenses.
Third-party fire and theft cover: TPFT includes protection for your vehicle in case of fire or theft. It doesn't offer as extensive coverage as comprehensive insurance. Coverages such as personal accident cover, courtesy car cover, and breakdown cover are left out in TPFT.
How To Keep Over 60s Car Insurance Affordable
Whilst your risk profile may result in increased premiums you can take other steps to lower the final premium cost, we list some steps that you may be able to take to keep your insurance within your living expenses budget.
Did you know? Getting multiple quotes is one of the best ways to prevent overspending on car insurance.
Does Car Insurance Go Down When You Retire?
Retirement can affect your premiums if you change the primary use of your car from ‘commute’ to ‘social’ or ‘pleasure’. Naturally, when you change this your mileage annually should drop too, and sometimes you can qualify for low mileage discounts that some insurance providers offer. Some insurance companies may offer a senior discount too, which can be up to 10% off your premiums.
Other Car Insurance Options
Another option if you are over 60 and use your car less is to consider temporary UK insurance or pay as you use model, most providers of temporary car insurance cap the upper age limit to 70 or 75, but this could change in the future as they realise they are losing out on the over 80s marketplace. We have listed the key providers of temporary insurance and advise checking their existing terms for changes to upper age limits. If you live in Northern Ireland, temporary car insurance NI is available with Goshorty,
What is The Cheapest Car Insurance For Senior Citizens?
According to a recent Which survey, two companies were mentioned as the best for focusing on the older driver. Here they are:
Saga Car over 60s Insurance Highlights
Saga is worthy of a special mention as they are one of the few providers of over 80s car insurance that specialises in providing car cover for the more experienced drivers. Some features of over 80s car insurance cover with Saga include:
Get Over 60's Car Insurance Quotes
As our company name suggests, we can provide multiple quotes. These quotes are provided by a panel of car insurance providers selected by SEPOA. The panel is able and willing to provide seniors with car insurance, regardless of age. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!
Over 60s Car Insurance: FAQs
The main increase on average is at age 70, but it will also gradually increase as you get older. The good news is that it will never reach the levels that young drivers need to pay for car insurance
Insurance providers will base their insurance premiums on the risk profile of the driver and car insurance category. The best advice for seniors to get a cheap insurance quote is to shop around and take proactive steps to lower your insurance risk profile, see section above entitled How to keep over 80's Car Insurance Affordable
As we age, human response time in general will slow, making car accidents more likely. This is proven statistically, with drivers of advanced age and young drivers causing a disproportionate number of avoidable accidents. As a result, these age categories will typically be offered more expensive insurance.
Yes these can and do impact the cost of insurance for seniors, some examples include visual impairments, a history of strokes, or cognitive impairments, Please take note that you must declare pre-existing conditions, failure to disclose them could result in policy nullification during a claim.
We have covered the key areas of how improving security and driving a car in a low insurance group can all help reduce the cost of car insurance, but other ideas include a limited miles policy or pay as you use policy. Temporary car insurance and car sharing are also both growing in popularity and may be something to consider.
If retired or thinking of retiring, you may want to take into account these options;
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*51% of consumers could save £523.47 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.