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 driving 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 and 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.
Prices for fully comprehensive car insurance for 50-59-year-olds start from just £213
Yes, car insurance for drivers in their 50s and 60s is often cheaper than for younger age groups. For example, the average policy cost of car insurance for drivers aged 17-19 is £1428.27
This is partly because drivers in their 50s and 60s tend to be involved in fewer accidents. For example, men aged 50–69 accounted for 19.7% of road casualties in 2024, compared with 32% for those aged 30–49. Women aged 50–69 also accounted for fewer accidents (20% vs 32%). Lower accident rates mean fewer claims, which helps keep premiums down.
Car insurance prices can start to rise again once you get into your 70s, 80s and 90s, as insurers may factor in slower reaction times or health-related risks.
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.
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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 £213
^ 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 £366^ , according to MoneySuperMarket data.
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The average price drivers aged 50-59 pay for car insurance is £390.99
The cost of car insurance depends on a range of factors, including:
Where you live: Your postcode will be taken into account, to assess things like crime rates and traffic that can affect your risk profile
Your occupation: Certain job titles carry higher risks than others
Your car’s make and model: Our data shows an increase in classic cars, such as the Austin A35 and Wolseley 16/60, being among the cheapest cars to insure for older drivers
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.
No, in general, you won’t pay more for car insurance due to a medical condition.
Under the Equalities Act 2010, insurers are not allowed to refuse cover, raise premiums or increase an excess based on a driver’s medical condition if it was declared when the DVLA issued their licence.
However, exceptions can apply if there is evidence of an increased risk. In some cases, driving an adapted vehicle could result in increased insurance premiums as these vehicles might cost more to repair.
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 or having a poor claims history
Moving to a high-risk area with high vehicle-related crime rates or an area that is prone to flooding, for example
Significantly increasing your mileage
The make and model of car you drive
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.
Mileage is one of the risk factors insurers consider when setting premiums as higher mileage drivers are more likely to have an accident.
If you’re planning to take early retirement or due to retire soon retirement your mileage profile is likely to change as you’ll no longer be commuting to a workplace. You could consider pay-as-you-go car insurance.
Although you’re likely to already have a low insurance premium in your 50s, you could consider things such as:
Increasing your voluntary excess: This is one of the easiest ways to cut your insurance costs but make sure it’s still an amount you can afford to pay alongside your compulsory payment in the event of a claim
Taking out a multi-car policy: If you have more than one vehicle in your household multi-car insurance may work out cheaper than individual policies
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 31 Mar 2026 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2026.
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
Based on the car insurance policies sold through MoneySuperMarket between November 2025 and January 2026.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in January 2026.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in January 2026.
Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in January 2026.
Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in January 2026.
Based on the average annual price of policies sold through saga on MoneySuperMarket between November 2025 and January 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through saga on MoneySuperMarket between November 2025 and January 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through m&s car insurance on MoneySuperMarket between November 2025 and January 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through m&s car insurance on MoneySuperMarket between November 2025 and January 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between November 2025 and January 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between November 2025 and January 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through post office premier on MoneySuperMarket between November 2025 and January 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through post office premier on MoneySuperMarket between November 2025 and January 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between November 2025 and January 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between November 2025 and January 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Shopping Gift Card value varies based on the first monthly premium of the policy and will be confirmed on the results page
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2026.
Based on car insurance policies sold through MoneySuperMarket between November 2025 and January 2026 where the user requested Breakdown Cover and it wasnt included as standard cover.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2026.
Accurate as of 31 March 2026.
Based on the car insurance policies sold through MoneySuperMarket between November 2025 and January 2026 where the policyholder was aged between 50-59.
