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Over 70s car insurance

Compare cheap car insurance quotes for drivers over 70

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Compare over 70s car insurance from a range of car insurance brands

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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Can I get car insurance at 70?

You might find that car insurance premiums gradually start to rise when you’re in your 70s. This is because you're statistically more likely to be involved in a road accident as you get older. Fortunately, they still stay relatively low - in the first quarter of 2022, drivers aged 70-74 paid on average £254 a year for cover, while those aged 75-79 paid £283. *

Age band

Average premiums*











*Based on car fully comprehensive with one driver holding a fully UK licence. MoneySuperMarket data collected between January and March 2022, accurate as of April 2022.

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What should I look out for as a driver over 70?

When you’re over 70, there are a few extra things you should think about when buying car insurance:

  • Licence renewal

    Driving licences expire when you turn 70, but you can renew them for free. The DVLA will automatically send you a renewal application form 90 days before your 70th birthday. In most cases, you can continue to drive whilst you wait for your new license

  • Advanced driving courses

    Taking an advanced driving course is a great way  to boost your confidence on the road and brush up on your driving skills.  It also shows insurers you are an advanced driver, so could also help get you cheaper premiums 

Sara Newell

Our expert says


Car insurance can be expensive for drivers once they are over the age of 70. Even though older drivers are often careful and experienced road users, insurers tend to view the over 70s as high risk and push premiums up. One of the best ways to keep costs down is to reduce your mileage and increase your excess. Shopping around at renewal through MoneySuperMarket also means you can find the best cover for your needs at the lowest price.

- Sara Newell, Motor and Van Insurance Lead

How can I get cheaper car insurance as an over 70s driver

As your car insurance premiums may start to rise once you get to your 70s, it’s worth considering the following to lower the cost of cover:

  • 1

    Keep your mileage low

    Reducing how much you drive could save you money. Because you’re not on the road as much, you’re less likely to have an accident 

  • 2

    Buy a sensible car

    Smaller, less powerful cars are cheaper, safer to drive and less attractive to thieves and vandals

  • 3

    Increase your voluntary excess

    If you've enjoyed years of claim-free driving, you might choose to pay a higher voluntary excess to reduce the overall cost of your insurance

  • 4

    Build your no claims bonus

    The longer you’ve gone without claiming, the more your insurers will knock off your premiums as they’ll see you as less likely to make future claims 

  • 5

    Pay annually

    Paying annually might mean a big sum up front, but it often works out cheaper than spreading the cost over 12 months

  • 6

    Consider pay-as-you-go

    Pay-as-you-go car insurance lets you pay for cover either by the mile, by the hour, or based on how you drive – more commonly known as telematics or black box insurance

No, you can buy specialist car insurance exclusively for over 70s, but it’s not essential. You may find that a specialist insurance provider offers benefits and options that a standard provider doesn’t though.  

A car insurance quote is determined by how risky you are to insure. Some medical conditions, like epilepsy or a visual impairment, could make you more of a risk to insure and your premium could increase.

If you have retired, you’ll be pleased to hear that there’s no difference between car insurance for people in work and those who have retired.

Telematics cover involves your insurer monitoring your driving habits and adjusting your premiums according to how you 

drive. They are most often used to help new and younger drivers save money on their car insurance, but telematics insurance cover could help drivers over 70 save too.

Telematics insurance can be particularly useful for over 70s who don’t use their car very much, as many policies are priced based on mileage. It can also benefit those over 70 who tend not to drive at night, or during rush hour, as that’s when most accidents occur.

If you estimate your low mileage correctly, you could save on your car insurance premium.

As long as you're deemed medically fit to drive, there are car insurance providers with no upper age limit for drivers. 

However, a number of insurers increase the costs substantially as you age which can make these policies difficult to afford.

The DVLA (DVA in Northern Ireland) will assess your medical condition or disability to determine whether you can continue to drive. Notifiable conditions are anything that could affect your ability to drive safely, including:

  • Epilepsy

  • Strokes

  • Other neurological and mental health conditions

  • Physical disabilities

  • Visual impairments

To get an over 70s car insurance quote you’ll just need to provide us with the following details:

  • name, age and address 

  • registration number or model and age of car 

  • annual mileage 

  • occupation 

  • length of no-claims discount  

  • details of your driving history, including any accidents and motoring convictions  

You can add various optional extras to your over 70s car insurance if you want to increase your level of protection but check what comes as standard first. Optional extras could include: 

  • Breakdown cover: If you drive a lot or your car is unreliable, breakdown cover gives you access to roadside assistance if your car breaks down

  • Legal cover: Legal cover can pay for certain legal costs related to a claim by you or another party

  • Personal accident cover:Personal accident cover can protect you and your family if you sustain a serious injury while out and about in your car

  • Car keys cover:Thich covers the cost of replacing a set of keys if they’re lost, damaged or stolen

  • Courtesy car cover: This provides a replacement vehicle for you to use while yours is in repair

  • Wrong fuel cover: this pays for repair costs if you accidentally top up the tank with the wrong fuel

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