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Over 60s car insurance

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We compare car insurance cover from 158 brands1

We do the hard work for you, comparing deals from the biggest providers in the UK so you can get the right cover.

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1Accurate as of September 2023.

Can I get car insurance for over 60s drivers?

Yes, older drivers can get a car insurance policy just as easily as younger drivers. In fact, you’re likely to get relatively cheap car insurance in your 60s, providing you don’t have a history of accidents, penalty points or driving convictions.

Why does car insurance get cheaper when you turn 60?

Insurers see older motorists as less of a claim risk, largely because drivers in this age group are more experienced on the road and are less likely to speed or use devices while behind the wheel. As a result, drivers over 60 tend to pay less for cover.

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How much does car insurance cost for over 60s?

The good news is that drivers aged 60 and over 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.

Age band

Average premiums*











*Based on annual price of comprehensive car insurance policies with one driver holding a full UK driving licence. Data collected between November 2022 and February 2023. Accurate as of April 2023.

How to get cheaper car insurance for over 60s?

There are still ways to reduce the cost of your car insurance policy even further:

  • 1

    Take out fully comprehensive cover

    Out of all levels of cover, Fully comprehensive car insurance policies offer the most cover amount, and they’re also usually the cheapest available

  • 2

    Pay more voluntary excess

    Offering a higher voluntary excess fee tells insurers you won’t bother will small claims, so they’ll reward the lowered risk with reduced premiums

  • 3

    Pay annually

    It usually works out cheaper overall to pay in one lump sum compared to spreading the cost over 12 months

  • 4

    Secure your vehicle

    Extra security features like immobilisers and alarms reduce the risk of theft, which can help you get cheaper cover

Why compare car insurance quotes with MoneySuperMarket?

Our mission is to make finding cheap car insurance easier – and when you take out cover with MoneySuperMarket you can benefit from:

  • Super Save with us

    Everyone deserves to save money, we compare quotes from various providers to get you the best price for you

  • Renewal reminders

    Our car monitor gives you reminders about your road tax and MOT, as well as shows your MOT history and car valuation – helping you stay up to date, so you never miss a renewal

  • Support from our team

    Our live chat tool is there so our experts can guide you through the car insurance questions, offering tailored support during business hours to help you get the right policy for the right price

*51% of consumers could save up to £451.09. Consumer Intelligence, May 2023. UK Only.

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Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

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Sara Newell

Our expert says


Getting car insurance in your 60s is relatively cheap, but that doesn’t mean you can’t cut the costs even more. All the same tricks will still work – offering a higher voluntary excess, paying annually and driving a small and sensible car will all help you reduce your premiums.

- Sara Newell, Car & Van Insurance Expert

You probably won’t have to do a medical exam to get cover, but you will need to inform your insurer if you have any medical conditions that might affect your driving. If you don’t, your policy will likely be invalid.

You’ll usually pay less for car insurance as you get older, but if you have a history of driving convictions or car insurance claims then you may find that your premiums go up. Likewise, if you add younger drivers to your policy or if you add more cars to your cover, you’ll need to pay more.

Retiring means your occupation has changed, so it will likely affect your car insurance premiums. 

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.

Adding extra features to your car insurance policies can bolster your cover, but keep in mind they’ll usually come at a price. However, a benefit of being over 60 means you may qualify for specialist cover for older drivers – and many of these providers offer extra features at a reduced cost.

Telematics cover, also known as black box car insurance, is when your insurer monitors your driving performance through an app or device. If you demonstrate sensible driving habits, you’ll be able to earn lower premiums.

It’s normally used for young drivers to help them get cheaper cover, but older drivers can benefit too – particularly on policies that charge you by the mile, if you’re not a frequent driver.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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