Is there an upper age limit for driving in the UK?
No, as long as you meet eyesight and health requirements.
Over 60s car insurance
Compare over 60s car insurance.
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How much does car insurance cost for over 60s?
The average price drivers over 60 pay for car insurance is:
ÂŁ339
.52^ a year
The good news is that drivers in their 60s usually pay among the cheapest car insurance premiums of all.
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.
For example, 60-69 years old with petrol cars pay ÂŁ320
Age group | Average annual premium |
|---|---|
17-19 | ÂŁ1424.98^ |
20-29 | ÂŁ1016.53^ |
30-39 | ÂŁ629.53^ |
40-49 | ÂŁ511.01^ |
50-59 | ÂŁ405.51^ |
60 and over | ÂŁ363.02^ |
Why does car insurance get cheaper in your 60s?
Drivers over 60 tend to benefit from cheaper car insurance bills because insurers view them as less of a claims risk.
This is due to:
Experience - drivers over 60 have usually been driving much longer than other age groups. (This also means theyâre more likely to have a no-claims bonus.)
Behaviour - drivers over 60 are less likely than young drivers to speed or use devices while behind the wheel
Accident rate - only 11% of collisions involve older drivers, according to Department for Transport data
What about age-related health conditions?
Although older drivers as a whole are more likely to develop a medical conditions that could impact their driving, insurers don't tend to put a high price on this risk. It doesnât outweigh the benefits of experience that drivers in their 60s have.
However, car insurers do generally ask drivers to declare any conditions that might impact their driving when they take out insurance. Individuals with such medical conditions are likely to be quoted higher premiums.
âĄď¸Read more: Car insurance for drivers with medical conditions
How can over 60s get cheaper car insurance?
There are ways to reduce the cost of your car insurance policy even further:
-
Take out fully comprehensive cover
Despite offering the highest level of cover, fully comprehensive insurance is usually the cheapest choice, according to our data. Thatâs because third-party only policies have historically been taken out by higher-risk drivers, leading to more claims and higher prices
-
Pay more voluntary excess
Offering a higher voluntary excess fee tells insurers you wonât bother will small claims, so theyâll reward the lowered risk with reduced premiums
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Pay annually
It usually works out cheaper overall to pay in one lump sum compared to spreading the cost over 12 months
-
Secure your vehicle
Extra security features like immobilisers and alarms reduce the risk of theft, which can help you get cheaper cover
-
Change your vehicle use
If you retire in your 60s youâll need to update your class of use as youâll no longer be commuting to a workplace or doing business mileage
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Reduce your annual mileage
Youâre likely to need to lower your annual mileage when you retire. Use our annual mileage calculator to do the hard work for you
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Check your job title
Make sure you choose the right job title using our job picker tool and donât select âunemployedâ if youâre retired as that could push up your premium
-
Compare car insurance
Comparing the price of car insurance from multiple providers using a site like MoneySuperMarket can help you to find a cheaper deal
Enter your car reg and compare quotes
Compare quotes from 183
Our expert says…
If youâre retiring in your 60s it will change the type of car insurance you need as youâll no longer be commuting to an office or doing business trips.
Itâs also worth calculating your annual mileage. If youâre driving fewer than 1,000 - 3,000 miles a year you could save 24.55%
^ on your car insurance compared to if you were driving over 20,000 miles, according to MoneySuperMarket data.
Sarah Tooze Car & Van Insurance Expert
Why should I compare over 60s car insurance with MoneySuperMarket?
Comparing quotes from different insurers allows you to find the best deal out there.
We can do this work for you.
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Save time
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^ , plus other rewards.
Compare cheap car insurance for over 60s from 183^ trusted providers
Drivers in their 60s can benefit from lower car insurance premiums, so it's a great time to compare quotes to ensure you're getting the best deal available.
Join thousands of customers who saved on their car insurance
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Looking for car insurance for other age groups?
More ways to save for over 60s
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Do I need a medical exam or health check to buy car insurance if Iâm over 60?
You probably wonât need to have a medical exam to get cover but when getting a quote for insurance you must declare if you have a ânotifiableâ medical condition. This includes health conditions such as diabetes and epilepsy, which may affect your ability to drive safely.
You can find a full list of medical conditions which you must declare on the DVLA website. Failing to inform the DVLA could lead to a fine of up to ÂŁ1,000 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.
Does retiring affect my car insurance?
Yes, retiring means your occupation has changed, so it is likely to affect your car insurance premiums. You will no longer be commuting or doing business journeys so youâll only need cover for social, domestic and pleasure use.
Insurers may also see you as less of a risk if youâre driving fewer miles and doing less driving during peak traffic hours, which could lower your premiums.
Youâll find that some insurers offer specific discounts or tailored policies for retirees, which may include enhanced breakdown cover or protection for your no-claims bonus.Â
Do I have to tell my insurer when I retire?
Yes, you must tell your insurer if you retire, or if there are any other changes to your circumstances. You should always be honest with your insurance provider as withholding information may lead to your policy being void.
Am I covered in Europe with my over 60s car insurance?
Yes, you may be covered for driving in Europe with your over 60s car insurance, but it all depends on the level of cover you have. You may need to buy additional cover for travelling to Europe along with breakdown cover if youâre out of the country.
Are there discounts for retired drivers?
When you inform your insurer you have retired you may benefit from a lower annual premium as:
Your mileage is likely to reduce now youâre no longer commuting
You will no longer need cover for commuting or business use of your vehicle
You may do less driving during peak traffic times, reducing your risk
If your mileage drops below 6,000 miles per year you can get low-mileage car insurance or switch to pay-as-you-go car insurance
Can health issues affect car insurance costs for older drivers?
Yes, you might need to pay a higher premium for car insurance if your health condition is deemed a risk to your driving.
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Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to ÂŁ15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth ÂŁ180), which gives free entry to a range of UK attractions
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Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to ÂŁ20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 8 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from âWhich of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?â 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).
Accurate as of 08 December 2025.
Up to ÂŁ130 if every qualifying product purchased once. T&Cs apply. Click here for details.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive policies sold through MoneySuperMarket in October 2025.
Based on the median annual price where policyholder was in the age group 60-69 and the vehicle was an petrol engine type for car insurance policies sold through MoneySuperMarket between August 2025 and October 2025.
Based on the median annual price where policyholder was in the age group 70-79 and the vehicle was an petrol engine type for car insurance policies sold through MoneySuperMarket between August 2025 and October 2025.
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