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Find cheap insurance for over 50s in minutes
Find policies tailored to over 50s and compare quotes from trusted providers across the market. Ensure you're getting the best deal on your car insurance.
Over 50s car insurance is a type of car insurance designed specifically for drivers aged 50 and over. It typically offers competitive premiums due to:
Driving experience: Older drivers have generally held their licence longer and gained more experience on the road
Accident rate: Drivers in their 50s tend to have fewer accidents than younger drivers, according to Department for Transport statistics.
Reduced mileage: If you take early retirement in your 50s your mileage is likely to reduce, which will usually result in lower premiums
No-claims discount: You’re likely to have built up a longer period of without a claim and therefore benefit from a higher no-claims discount
However, the cost of your insurance will depend on various factors, including your driving history, previous claims, the type of car you drive, where you live, and the level of cover you choose.
As you get older, you may also experience more health issues and will need to disclose certain medical conditions to the DVLA, which can impact your car insurance.
Over 50s car insurance works like regular car insurance. You can choose between:
Car insurance tailored to over 50s may come with extra benefits such as:
No age limit
Emergency any-driver cover
Fixed-price guarantee
Unlimited European driving
Almost all standard car insurance policies will cover drivers in their 50s and 60s, and many will offer cheaper premiums for this age group.
Some will have upper age limits of between 70-80, so drivers in these age groups may need to seek out specialised over 70s car insurance or over 80s car insurance.
Regardless of your age, it's always a good idea to compare quotes from different providers to find the best deal for you.
Yes, car insurance for over 50s is usually cheaper than for younger age groups.
Our data shows that the cheapest average annual premiums for fully comprehensive car insurance were paid by those aged 50-59 (£404.46
This compares to an average policy cost of £1451.81
One reason for this price difference is that older drivers are often safer on the road. They tend to be more cautious, experienced, and less likely to take risks such as speeding or using a phone while driving. In 2024, men aged 50-69 made up 39% fewer road causalities than men aged 30-49. For women, the gap was 35%.
You will have three types of car insurance to choose from:
Fully comprehensive car insurance offers the highest level of cover but is usually the cheapest
It covers accidental damage to your vehicle or someone else’s, as well as theft, vandalism, fire damage or storm damage, injuries to you or someone else involved in an accident and accidental damage you cause to another person’s property
If your car is leased or on a finance agreement the lender may require this type of cover
Third-party, fire and theft policies add cover for your own car if it’s stolen, or damaged by fire or an explosion but won’t cover the cost of accidents you cause
This is the mid-priced option
It might suit you if you don’t drive often so there is less risk of you having an accident
Third-party insurance only pays out for damage done to someone else or their car or property – it doesn’t cover you or your car
Despite offering the least cover it’s usually the most expensive option
It might be suitable if you have an older, lower-value car which would be uneconomical to repair if you had an accident
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What is and is not covered will depend on your policy and the type of cover you choose. The following are based on a comprehensive policy.
Damage to your car: From an accident, fire, vandalism or a natural disaster such as storm damage
Theft of your car: You'll get a replacement vehicle if yours is stolen
Third-party damage caused by your vehicle: You’ll be covered for damage you cause to a third party, their vehicle or their property
Personal injury: Offers compensation if you’re seriously or fatally injured in a road accident
Windscreens: You’ll often be able to claim for a windscreen repair or replacement if you get a windscreen chip or a cracked windscreen
Third-party medical expenses: If you cause an accident, the cost of medical treatment for each person injured in the other vehicle
Legal expenses: Pays out for legal costs related to a claim
Wear and tear: Normal wear and tear on your car that's expected over time, such as brake pads and tyres needing to be replaced
Invalid driving licence: If you or another named driver is driving without a valid licence (e.g. if it's out of date), you won't be covered
Driving under the influence: Anything that occurs while you are driving under the influence of drugs or alcohol will not be covered
Additional drivers: If a person is not a named driver on your policy, it is unlikely that they will be covered
You can usually add the following onto your insurance policy, for an extra cost:
Windscreen cover will pay for the cost of repairing or replacing a chipped, cracked or smashed windscreen. If you have a newer car you may have safety technology which requires recalibration when your windscreen is replaced and this could be costly without insurance.
If you have comprehensive insurance windscreen cover is likely to be covered but check your policy documents to be sure.
Covers the cost of replacing lost, damaged or stolen keys. If your car has keyless entry it will be more expensive to replace your key fob than if you have a standard car key so this might be a worthwhile add-on to your insurance. Some comprehensive policies may include cover for car keys.
Covers the cost of draining and cleaning the fuel tank if you accidentally put the wrong fuel type in your car (known as misfuelling). Wrong fuel cover isn’t usually included with insurance policies - even comprehensive insurance.
Check whether your car has a special fuel cap system which prevents misfuelling to decide whether it’s worth adding wrong fuel cover to your insurance.
Personal belongings cover offers protection for your belongings in the event your car is stolen, which can be handy if you tend to leave them in your car. Some comprehensive car insurance policies may include this or it may be covered under your home insurance.
Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums. Building a no-claims discount will reduce your premiums over time and if you’ve had no claims for several years you might want to protect it. But you’ll need to pay extra to do so.
If your car breaks down, breakdown cover provides assistance at the roadside to get your vehicle moving again. This may be particularly useful if you have an older vehicle which is more likely to suffer mechanical problems than a new one. You can sometimes get cheaper breakdown cover by combining it with your car insurance.
Provides a replacement vehicle while yours is being repaired. This is ideal if you rely on your car daily for commuting.
Courtesy car cover is often included for free in comprehensive car insurance policies.
Personal accident cover pays out a lump sum if you’re injured or killed in a road accident. It offers peace of mind, particularly if you have loved ones who depend on you financially. Most comprehensive car insurance policies will include personal accident cover.
Motor legal protection will cover any legal fees you might face in relation to a road accident. As legal fees can mount up, it can give you peace of mind to have these covered. Motor legal protection is often included in comprehensive car insurance policies.
of MoneySuperMarket customers.
when purchased as an add-on
By the time you’re in your late 50s it’s possible you will have held your driving licence for more than 40 years. That level of experience is recognised by insurers who offer 50-59-year-olds policy premiums from just £214
^ a year. In contrast, the cheapest a 17-19 year old who has held their licence for less than a couple of years could pay is £322^ , according to MoneySuperMarket data.
Sara Newell Motor & Home Insurance Expert
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The average price drivers aged 50-59 pay for car insurance is £404.46
The cost of car insurance depends on a range of factors, including where you live and the car you drive, but your age is also a major consideration.
The general rule of thumb is that the older you are the less you pay for cover. Rates are usually highest for 17-19 year olds and then generally decrease over time until you hit your 70s, at which point they may go up again slightly.
No, you probably won’t need a health check to get cover but when getting a quote for insurance you must declare if you have a ‘notifiable’ medical condition, which can impair your ability to drive. This includes health conditions such as:
Heart conditions
Strokes (or mini strokes)
Diabetes
Visual impairment (such as glaucoma)
Epilepsy
A severe head injury
A brain condition (such as dementia)
A physical disability
Sleep apnoea
Syncope (fainting)
You can find a full list of medical conditions which you must declare on the Driver and Vehicle Licensing Agency (DVLA) website. Failing to inform the DVLA could lead to a fine of up to £1,000 and you could also be prosecuted if you have an accident. Failing to inform your insurer if you develop a health condition or have a pre-existing condition that may impact your driving could mean your policy is invalid.
If you rely on your car to commute to work rather than just using it occasionally you should consider:
Breakdown cover. But it’s worth shopping around to see if this works out cheaper separately
A courtesy car for the time your vehicle is out of action
Other extras to consider include: personal accident cover, legal cover and cover for driving abroad, although some insurers which specialise in over 50s insurance include longer cover for driving in Europe so check the policy wording.
No, just because you’re over 50 doesn’t mean your car insurance premium will become cheaper. Factors which can push up your premium include:
Driving convictions or penalty points on your licence
Making a recent claim
Moving to a high-risk area
Significantly increasing your mileage
You could also see your premium rise when you’re in your 70s as insurers believe that your risk of having an accident increases.
Some insurers also have age cut-offs and premiums jump once you go beyond them. This gives you even more reason to shop around to find a cheaper deal.
You’ll need the following to get car insurance quotes:
Personal information such as name, age, where you live and your job title
Your car registration number and driving licence number
Any no-claims bonus you’ve accrued
When you bought the car and any modifications made
Your expected annual mileage
Whether you’ll use the car for social, commuting, or business purposes
Details of any additional named drivers
Whether you’ve made any claims or had any convictions
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Reviewed on 16 Jan 2026 by
Based on the car insurance policies sold through MoneySuperMarket between September 2025 and November 2025 where the policyholder was aged between 50-59.
