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If you're over 60 then there's a good chance you could save money on your car insurance. Use our price comparison service to find tailored quotes to suit your needs.
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Drivers in their sixties 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.
1Accurate as of February 2024.
Older drivers tend to benefit from cheaper car insurance bills because insurers believe they're less likely to be involved in an accident and make a claim. However, it’s important to compare car insurance prices at any age, especially as prices have been increasing recently.
Over April, May and June in 2023 the average car insurance annual bill was £478, a 15% increase from the same period in 2022, according to the Association of British Insurers (ABI). That’s also the highest they’ve been since the start of 2019 when they were an average of £483, so it makes sense to check you're on the best policy.
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.
Drivers aged 60 and over may also have built up a long no-claims bonus if they haven’t claimed for a few years. This can help them to lower their costs as most insurers will apply a discount on premiums for drivers who have a history of not making a claim.
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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* |
|---|---|
65-69 | £341 |
70-74 | £326 |
75-79 | £338 |
80-84 | £416 |
85-89 | £519 |
*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.
There are still ways to reduce the cost of your car insurance policy even further:
Out of all levels of cover, Fully comprehensive car insurance policies offer the most cover amount, and they’re also usually the cheapest available
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
It usually works out cheaper overall to pay in one lump sum compared to spreading the cost over 12 months
Extra security features like immobilisers and alarms reduce the risk of theft, which can help you get cheaper cover
insurethebox
Black box telematics Your driving will be monitored to promote safe driving. There are no curfews on this policy. Potential to earn bonus miles and a reduced renewal price for safe driving.
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This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. Quote taken on 23.02.2024.
Learn more about our full methodology here.
If you’re retiring in your 60s it will change the type of car insurance you need as you’ll no longer be commuting to an office or doing business trips. It’s also worth calculating how much annual mileage you think you’ll do. If you’re driving fewer than 2,000 miles a year and you’re over 60 you could benefit from some of the lowest insurance premiums, according to MoneySuperMarket data.
Keep up to date and find out all you need to know with our latest guides.
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MoneySuperMarket makes it fast and easy to find car insurance quotes from across the market. Here are some other great reasons to compare with us:
If you're over 60 then there's a good chance you could save money on your car insurance. Use our price comparison service to find tailored quotes to suit your needs.
We're trusted by our customers. We only work with insurance providers authorised and regulated by the Financial Conduct Authority (FCA).
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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.
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.
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 you’re out of the country.
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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