If your car breaks down unexpectedly, this cover offers a quick roadside fix or a tow to the nearest garage.

If your vehicle is involved in an accident, some insurers include a courtesy car or replacement car as part of their policies.

Compare car insurance providers. Get covered today

Over60s Car Insurance

Q: Motor legal protection

Motor legal protection helps cover legal costs if you need to claim compensation or defend yourself after an incident.

Q: Personal belongings cover

This add-on protects items left inside your car, such as your bag, phone, or sat-nav.

Q: Personal accident cover

If you or your passengers are injured in an accident, personal accident cover provides financial support for recovery costs.

You've spent years behind the wheel, so finding the best car insurance should be simple. Explore car insurance for over 60s and get a quote today.

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Share some details like your age, address, and driving history so we can help you compare over-60s car insurance.

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Enter your vehicle’s make, model, and any changes you’ve made. This helps us match you with trusted car insurance providers who offer cover that fits your lifestyle.

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Our car insurance comparison service lets you compare quotes side by side, so pick the policy that fits your budget and needs.

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*

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

Updated on 20 November 2025

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.

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?

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

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 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.