Fully comprehensive
✔ Highest level of protection
✔ Injuries and damage to you and your car
✔ Medical expenses
✔ Fire and theft
✔ Injuries and damage to others
✔ Legal protection
Over 80s car insurance
Compare quotes for drivers over 80.
Earn up to £15 when you switch
We compare car insurance from 186^ providers
We do the hard work for you, comparing deals from the biggest providers in the UK so you can get the right cover.
Does car insurance get more expensive for over 80s?
Yes, car insurance prices tend to go up for over 80s. This is due to:
Potential health issues which may impact driving
Increased risk of accidents (although people in their 80s tend to drive fewer miles)
💡 Top tip: If you drive fewer than 6,500 miles a year, you may be able to save money with low-mileage car insurance.
Average price to insure petrol cars
£506^
For MoneySuperMarket customers aged 80+
Average price to insure diesel cars
£525^
For MoneySuperMarket customers aged 80+
What types of car cover can over 80s get?
You can choose between three types of car insurance:
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Third-party, fire and theft
✔ Injuries and damage to others
✔ Fire damage to your car
✔ Theft of your car
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Third-party only
✔ Legal requirement
✔ Injuries and damage to others
Do over 80s need specialist car insurance?
No, you don’t need specialist car insurance if you’re over 80. But you might find there are fewer mainstream insurance providers or insurance products to choose from as some will have driver age limits.
By opting for an insurer which specialises in cover for older drivers you could benefit from:
No age limits
Cover for medical conditions
Lower mileage policies
What does over 80s car insurance cover?
As a driver over 80 your car insurance provider should offer the same general cover as a standard policy.
Cover inclusions and exclusions depend on your insurer and the level of cover you take out but the table below shows the minimum you can expect from the different policy types.
What’s covered | Detail | Fully comprehensive | Third party fire and theft | Third party only |
|---|---|---|---|---|
Damage | Damage to your vehicle | ✔ | ✖ | ✖ |
Theft | The cost of replacing your vehicle if it is stolen and usually repair costs if it’s damaged due to attempted theft | ✔ | ✔ | ✖ |
Fire | Fire damage to your vehicle, whether it’s accidental or caused by arson | ✔ | ✔ | ✖ |
Other people /Other cars | Damage you cause to a third-party, their vehicle or their property | ✔ | ✔ | ✔ |
How can drivers over 80 get cheaper car insurance?
Choose your car wisely
Insurers sort cars into different insurance groups – you can check which yours is in with our tool – and those in lower groups are usually cheaper to insure.
Check your mileage
If you drive fewer than 5,000 miles a year you could pay £866 less for your car insurance than a driver aged over 80 doing more than 20,000 miles, according to our data (based on the median annual price paid, our customers aged over 80 paid £505 for up to 5,000 miles and £1,371 for 20,001-30,000 miles, as of June 2025). So if your mileage has reduced, perhaps because you’re no longer working, make sure you update your policy. Or look at ways of driving fewer miles, if possible. You can use our mileage calculator to help work it out.
Consider pay-as-you-go
Pay-as-you-go car insurance policies can charge by-the-mile, by-the-hour, or based on how you drive, and could be a way to save money on your insurance.
Take out short-term cover
If you use your car occasionally you could consider short-term cover – which lets you take out car insurance policies for hours, days, or weeks at a time.
Pay annually
It usually works out cheaper if you’re able to pay your car insurance premiums in one go, rather than spreading the cost over 12 months and paying interest.
Improve car security
Enhancing your car's security with an alarm or immobiliser can reduce your car insurance premiums as the more secure your car is, the harder it will be to steal. A ‘Thatcham-approved’ security device will lower the cost of your insurance.
Compare quotes
Shopping around is the best way to find a deal that suits your needs and budget.
MoneySuperMarket can do the hard work for you. With our price comparison tool you can compare quotes from 181 (accurate as of 25 June 2025) of the most trusted car insurance providers in the UK.
Our expert says…
More than 5.7 million driving licence holders are classed as older drivers, according to the latest Department for Transport (DfT) data. If you’re one of them, it can be frustrating to face rising insurance costs after turning 80. But comparing car insurance quotes and considering specialist providers could bring your premium down.
Sarah Tooze Car & Van Insurance Expert
Why should I compare over 80s 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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What do I need to get an over 80s car insurance quote?
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Personal details
Full name and address
Date of birth
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Details of medical conditions
Any ‘notifiable’ health conditions that may impair your ability to drive, such as diabetes or heart conditions
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Vehicle details
Registration number
Make and model
Annual mileage
Where vehicle is kept
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Driving licence information
Driving licence number (if possible)
Number of years you’ve held your driving licence for
Any driving convictions (past five years)
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Insurance policy details
Any claims in the past 5 years
Number of years no claims discount
Any additional drivers
Policy type and any optional extras
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MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Will my car insurance be affected by my health?
If you have a specific health condition or disability that could affect your driving this could mean higher car insurance premiums.
The DVLA has a list of conditions that must be disclosed – to the DVLA and to your car insurer – so check its website.
You may be asked to have your driving reassessed. But in many cases you will still be permitted to drive and will be able to get insurance through mainstream providers.
Can I get car insurance if I am a pensioner?
Yes, as long as you are medically fit to drive and you have a valid driving licence (this must be renewed every three years after the age of 70) then you will be able to get car insurance.
Do I need extra documents to get over 80s car insurance?
No. All you need is a valid UK driving licence (which you will need to renew every 3 years once you reach 70) and sometimes your V5C - also known as your log book.
Can I save if I only drive my car occasionally?
Yes, there are specialist car insurance policies that might work out cheaper for occasional drivers and those with very low annual mileage.
Telematics or black box technology and pay-as-you-go policies, for example, can bring costs down if you don’t drive very often. It is worth comparing these types of policies against mainstream car insurance to see what suits your needs at the best price.
Is telematics suitable for older drivers?
Agreeing to have a black box tracker or similar device attached to your car which will monitor your driving could bring premiums down. Telematics or similar technology is often used for young drivers and those who have recently passed their test, but it can also help older drivers who are seeing premiums rise sharply due to age.
Telematics technology sends information to the car insurer about the driver and their driving habits – including things such as what time of day they drive, how far they drive and how fast. This can all be used by the insurer to assess the risk of an individual motorist. The idea is that safer drivers can bring their insurance premiums down.
Is there a maximum age for car insurance?
No. As long as your GP says you are medically fit to drive there are many motor insurers who have no maximum age limit on their policies.
Can you still drive at 80 in the UK?
Yes. There is no set age for people to stop driving. You can continue driving over the age of 80 as long as you can do so safely and don't have any medical conditions that affect your driving.
What extra policy features should I consider as an over 80s driver?
Most car insurance policies will offer optional add-ons or extras before you make the final purchase, such as breakdown insurance, windscreen cover, lost keys cover and no claims discount protection.
Some extras may be useful, but they will push up the total cost of your insurance so it is important to weigh up whether you want them. In some cases, such as with breakdown cover, a standalone policy could work out cheaper.
Can I drive other cars if I'm over 80?
Yes, some comprehensive car insurance policies may include ‘driving other cars’ (DOC) cover – which gives the driver third party-only cover (cover for any damage to another vehicle, but where you are liable to the full cost of damage to the car you are driving) if they need to drive someone else’s car with their permission, for example in an emergency.
But DOC cover is rare and is not automatically applied on all policies so check the small print of your insurance.
Can I insure an older car?
Yes, if your car is old enough to be considered a classic car (usually 40 years old, although definitions can vary) you can take out classic car insurance. Otherwise, you can stick with standard insurance.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
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 £15, 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 £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
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 £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 26 Dec 2025 by
Based on the 10th percentile of annual prices for car insurance policies sold through MoneySuperMarket in October 2025 , where the policyholder had a licence type of full uk car licence and the policyholder was aged 80+.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the 10th percentile of annual prices for car insurance policies sold through MoneySuperMarket in October 2025 , where the policyholder had a licence type of full uk car licence and the policyholder was aged 60-69.
Based on the 10th percentile of annual prices for car insurance policies sold through MoneySuperMarket in October 2025 , where the policyholder had a licence type of full uk car licence and the policyholder was aged 70-79.
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).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the median annual price where policyholder was in the age group 80+ and the vehicle was an petrol engine type for car insurance policies sold through MoneySuperMarket between August 2025 and October 2025.
Accurate as of 26 December 2025.
Based on the median annual price where policyholder was in the age group 80+ and the vehicle was an diesel engine type for car insurance policies sold through MoneySuperMarket between August 2025 and October 2025.