Car Insurance for Over 50s

Car Insurance for Over 50s

Homeapproved delivers access to UK Car Insurance for Over 50s. Delivering value-for-money insurance, get an online quote today and save money on your current premium. The full range of cover levels is provided from straightforward third party through to fully comprehensive.

You could save up to £518*

*51% of consumers could save £518.14 on their Car Insurance for Over 50s UK. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Click through on the ‘Get a Quote’ button above to compare over 50s car insurance quotes from over 130 of the leading UK motor insurers, and obtain the most suitable fully featured cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.

Over-50s car insurance in the UK is designed to reflect the driving profile of more experienced motorists. Drivers aged 50 and above are often viewed by insurers as lower risk due to decades of driving experience, established habits, and typically safer behaviour on the road. As a result, many people in this age group benefit from more competitive premiums compared with younger drivers.

One of the key advantages for over-50s is the opportunity to tailor cover to changing lifestyles. Many drivers in this age bracket are retired or semi-retired, meaning lower annual mileage, which can significantly reduce insurance costs. Insurers take mileage into account when calculating premiums, so accurately estimating usage can lead to noticeable savings. Additionally, over-50s drivers are more likely to own their vehicles outright and choose cars in lower insurance groups, further helping to keep costs down.

Top 8 FAQs Over 50s Car Insurance UK

1. Is car insurance cheaper once I’m over 50?

Generally, yes — drivers in their 50s and early 60s are statistically lower-risk and often pay lower premiums than younger drivers. Insurers see experienced drivers as more cautious and less likely to claim.

2. Do insurers offer special over-50s policies?

Some do. A few providers market policies specifically for drivers aged 50+, like certain plans from Saga or Age Co, but many standard insurers simply price policies competitively based on your age and driving history without a separate product.

3. Will my age keep increasing my premium as I get older?

Potentially — while premiums tend to fall as you reach 50–60 due to experience, they can start rising again in later years (e.g., 70s and beyond) as insurers see greater risk.

4. What affects over-50s car insurance costs?

Your premium depends on many things beyond age, including:

Driving history & no-claims bonus
Type of car and its insurance group
Annual mileage
Postcode/where you park
Claims history & convictions

5. Do over-50s car insurance policies include extras?

Yes — many include or offer add-ons such as courtesy car cover, motor legal protection, breakdown cover, drive-other-car cover, key cover, or European travel cover. These can be added for extra peace of mind (but may raise cost).

6. What’s the difference between comprehensive and other cover levels?

Comprehensive: Covers damage to your own vehicle and others — usually best value. Third Party, Fire & Theft: Covers others & fire/theft but not your own damage. Third Party Only: Minimum legal cover. Even mature drivers sometimes find fully comprehensive cheaper than basic cover, so always compare.

7. Can I still get cover if I have points or past claims?

Yes — but penalties (like points or recent claims) will usually increase your premium, even if you’re over 50. Always declare convictions or claims — failing to do so could invalidate your insurance.

8. How can I keep my over-50s car insurance costs down?

Useful tips include: Shopping around each year for the best deal; Keeping mileage accurate (lower mileage often means cheaper premiums); Parking in a garage or on a driveway; Adding security features (alarms, immobilisers); Considering advanced driving courses (some insurers may offer discounts); Building and protecting your no-claims bonus.

Another important factor is the value placed on comprehensive cover. Contrary to common assumptions, fully comprehensive insurance is often the most cost-effective option for over-50s, offering broader protection for both the policyholder and other road users. Many policies also allow optional extras such as breakdown cover, legal expenses insurance, or protected no-claims bonuses, enabling drivers to balance cost with peace of mind.

However, age can become a factor again later in life. Premiums may begin to rise as drivers reach their late 60s or 70s due to increased perceived risk. This makes it especially important to shop around regularly rather than automatically renewing with the same provider. Comparison websites and specialist insurers can help over-50s find policies that recognise experience rather than focusing solely on age.

Overall, over-50s car insurance in the UK rewards responsible driving, low mileage, and careful vehicle choice. By reviewing cover annually, keeping details accurate, and considering optional extras carefully, drivers over 50 can secure reliable protection at a competitive price while enjoying continued independence on the road.