When your car suddenly won't start or stops mid-journey, breakdown cover provides roadside repairs or towing.

If your vehicle's in for repairs, a courtesy car keeps you mobile until yours is ready to go again.

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Over50s Car Insurance

Q: Motor legal protection

If you're ever involved in a dispute after an accident, motorist legal protection can save you from unexpected legal bills (advice, representation, and claims).

Q: Personal belongings cover

This cover protects items like your bag, phone, or sat nav if they’re damaged or stolen.

Q: Personal accident cover

If you're injured in an accident, this cover offers a financial helping hand for recovery costs.

Are you a driver over the age of 50 looking for car insurance? With years of driving behind you, you've earned the right to fair prices and reliable cover.

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Tell us a bit about yourself, such as your age, address, job, and driving history, so we can match you with suitable options.

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Share your car's make, model, and how you use it each day. This helps us find the best car insurance for your needs.

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We'll show quotes from leading insurance companies side by side, so you can pick the policy that feels right for you.

Is car insurance for over 50s cheaper?

Insurers see experienced drivers as lower risk, which can make car insurance cheaper than for younger road users. With careful choices and a clean record, your experience can translate into lower insurance costs.

How much is car insurance for drivers over 50?

The cost of car insurance can be surprisingly friendly to the wallet. On average, you might find over 50s insurance at around £370, although this depends on your car and history.

Type	Median cost paid for annual car insurance (January 2025)
Fully comprehensive	£418*
Third party, fire and theft (TPFT)	£408*
Third party only (TPO)	£559*

*Disclaimer: Quotes shown are for illustration purposes only. Actual premiums depend on individual circumstances and are subject to insurer verification.

Updated on 24 November 2025

What type of car insurance is best for over 50?

The best policy depends on how and where you drive, and how much protection you want if you're ever involved in an accident.

Third-party insurance

This is the most basic type of policy. It covers damage to other people’s vehicles or property if you get into an accident, but it won’t pay for damage to your car.

Third-party, fire and theft insurance

A step up from basic cover, this option helps if your car is stolen or damaged by fire, still covering others if you’re at fault.

Comprehensive insurance

For the highest level of protection, comprehensive car insurance covers both you and others, no matter who’s at fault. This insurance offers financial security and reassurance.

Disclaimer: Coverage suitability depends on your individual needs and circumstances. Consider your vehicle value and personal preferences when choosing.

What optional extras do I need?

Add-ons aren't always essential, but they can definitely keep you on the road when life throws a curveball.

Breakdown cover

Motor legal protection

Courtesy car cover

Personal belongings cover

Personal accident cover

What details do I need to get a car insurance quote?

Insurance companies look at a few key details to give you an accurate quote:

Your driving licence
Your age and occupation
Home address and where you park your car
How you plan to use the car
Approximate annual mileage
Car registration number and purchase date
Any modifications or upgrades to the vehicle
Your No Claims Discount
Any accidents or claims in the last five years
Driving convictions or penalties in the last five years
Information on any additional drivers

Should I go with a specialist over-50s car insurance provider?

You don't necessarily need to go with a specialist insurer for car insurance for older drivers. While insurance tailored to over-50s can offer perks, many mainstream providers also give competitive rates and the right car insurance cover.