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Is car insurance cheaper when you turn 60?
Car insurance costs become lower when you turn 60, as drivers in their 60s are among the safest drivers on UK roads. So, car insurance companies tend to offer lower premiums for this age group.
Compare insurance quotes for older drivers to see where the best deals are.
How much is car insurance for drivers over 60?
As a person over 60, the cost of your car insurance is usually lower than for younger drivers. Average car insurance policies for these age groups are around £350*, compared with up to £1,460* for other cohorts.
Policies that include accidental damage to your car or other extras will cost more.
| 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* |
What type of car insurance is best for over-60s?
With years of driving behind you, it's worth reviewing your car cover to make sure it gives you the protection you need
Third-party insurance
This basic option covers any damage you cause to another person’s vehicle or property, but doesn’t pay for damage caused to your car.
Third-party, fire and theft insurance
This car insurance cover applies if you’re at fault, and it also protects your car if it’s stolen or damaged by fire.
Comprehensive insurance
For full protection, comprehensive car insurance covers both you and others, even if the accident was your fault. It’s the best way to make sure your insurance protects you from unexpected costs.
What optional extras do I need?
Depending on your level of cover, these add-ons help you stay protected, comfortable, and on the road when you need it most
Breakdown cover
If your car breaks down unexpectedly, this cover offers a quick roadside fix or a tow to the nearest garage.
Motor legal protection
Motor legal protection helps cover legal costs if you need to claim compensation or defend yourself after an incident.
Courtesy car cover
If your vehicle is involved in an accident, some insurers include a courtesy car or replacement car as part of their policies.
Personal belongings cover
This add-on protects items left inside your car, such as your bag, phone, or sat-nav.
Personal accident cover
If you or your passengers are injured in an accident, personal accident cover provides financial support for recovery costs.
What details do I need to get a car insurance quote?
Insurance companies typically ask for:
- Age and occupation
- Home address and where you park your car overnight
- How you use your vehicle
- Your estimated annual mileage
- Driving licence number
- Car registration number and purchase date
- Any vehicle modifications
- Your No Claims Discount
- Any accident or claims over the past five years
- Driving convictions or penalties in the past five years
- Details of any additional drivers
Should I go with a specialist over-60s car insurance provider?
You don't need specialist car insurance, but it may be worth considering. Some insurers offer tailored terms, and leading insurance quotes for over-60s can show whether a specialist policy provides better value.
How do I find cheap car insurance for new drivers over 60?
With a few smart choices, you can lower your premiums while still keeping the level of car insurance you need.
Choose a car in a lower insurance group
The car you drive has a major impact on your premiums. Models with smaller engines and strong safety records are associated with much cheaper car insurance.
Consider a telematics (black box) policy
Opting for black box insurance lets insurers see how you drive your car, and if you drive safely, it can reward you with discounts.
Increase your voluntary excess
The more you're willing to pay towards a claim, the less the insurance company will charge you.
Limit annual mileage if realistic
By reporting a lower, realistic annual mileage, you signal that you pose less risk.
Pay annually instead of monthly
Insurers often add fees or interest to monthly instalments, so making a single yearly payment can reduce these extra charges.
Avoid unnecessary add-ons
Extra cover can inflate costs unnecessarily, so focus on the essentials to get closer to the cheapest car insurance.
FAQ
Do I need a special car insurance policy once I turn 60?
You don't. Most standard insurers continue to cover drivers beyond this age, though some set an upper age limit. Check car insurance quotes for older drivers to see the best options.
What factors affect car insurance premiums for over-60s?
Compare cheap quotes and you'll find different ones based on driving history, car type, mileage, and coverage level. Standard car insurance may charge higher rates for riskier drivers. However, failing to provide any requested information to save money on premiums can risk invalidating your insurance.
Can over-60s get a no-claims bonus?
Yes, but if you make a claim, it may reduce your bonus.
Can retired drivers get cheaper car insurance?
As a retired driver, you're sometimes able to get car insurance at lower rates because you drive less and pose a lower risk for the insurer.
At what age does car insurance start to increase again?
Premiums can start to rise after 70, even for careful drivers. Factors like age and health can make insurance more expensive, even for over-60s car insurance quotes.
Will my health affect my car insurance premium?
A medical condition can affect your car insurance compared to healthy drivers, as insurers assess risk differently. You must inform the DVLA and your insurance company of any conditions that could affect your driving, or your current insurance could be invalid.
Do I need a medical exam or health check to buy over-60s car insurance?
No. However, you must tell your insurance provider about any medical conditions that could affect your driving. The insurer uses this information to assess risk and set premiums.
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