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Compare car insurance quotes for the over 50s

Get a quote in minutes and you could pay £495.61* or less for car insurance

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*51% of customers received a quote of £495.61 or less for Comprehensive Insurance between January and March 2021, when using our journey via Confused.com

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Find a car insurer for the over 50s that suits for you

Get a detailed insight into the top car insurance providers for the over 50s or cast your net wider by viewing all car insurance companies...
Admiral logo

Admiral

AA car insurance logo

AA

Churchill car insurance provider logo

Churchill

Hastings direct car insurance

Hastings Direct

Quotemehappy.com car insurance provider

Quotemehappy

RAC insurance logo

RAC

Tesco Bank car insurance logo

Tesco Bank

AXA car insurance logo

AXA

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Will you benefit from cheaper over 50s insurance?

If you answer yes to all these questions it could be...

Do you keep your car off the road?

If you keep your car in you driveway or, better still, in a garage, insurers will love to quote you.

Do you drive fewer miles?

Maybe with the kids grown up you don't use the car so much - reduce your mileage and save on insurance premiums.

Do you drive a standard, sensible car?

Cars are grouped for insurance with the simple and easy-to-fix cars cheapest to insure. And insurers don't like modifications.

Advanced driving and intensive driving courses

What is an advanced driving course? Advanced driving courses help people improve their road safety. Drivers who take an advanced driving course are taught to be more observant and better at anticipating changes. Some car insurers offer people who have taken an advanced driving course cheaper car insurance quotes. Advanced driving programmes are crash courses in not crashing. They involve learning how to drive defensively with greater awareness of the road and other road users.

Read our full guide

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Find in-depth information on everything you need to know about comparing car insurance for over 50s and switching your cover.

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Read our full guide

Car insurance for the over 50s FAQs

Does driving experience count for over 50 car insurance?

Statistically, drivers start to have fewer accidents once they pass 50 (the peak for volume of accidents is the 49-50 age group). Accident rates really drop off after 60.  

But importantly, the proportion of accidents that include injuries falls, with impacts being slower and less damaging – costing insurers less.

For 2019 the statistics show:

  • 50- to 59-year-olds had 12.7% of all reported car accidents with 44% involving injury

  • 60- to 69-year-olds had 7% of all reported car accidents with 42% involving injury

A much higher proportion of accidents among younger drivers cause injuries. Damages paid out by car insurers have to cover the victim’s remaining life so the younger the injured person, the more expensive the payout.

A big reason for the discounted insurance is the fact that older drivers are more likely to injure older third-parties (often passengers) and insurers have to pay out less for older victims.

How are car insurance premiums calculated for over 50s?

Car insurance is based on your age but it is also based on:

  • driving history - as well as being experienced, over 50s also may have built up a no claims discount

  • your car – each car falls into one of 50 groups with lowest groups being the cheapest to insure because they are quick, east and cheap to repair if involved in an accident

  • where you live - If your home is in an area with high rates of car crime, you’ll generally pay more for your insurance

  • where you keep your car – having off-road parking or, better still a garage, reduces risk and cuts premiums

Don’t forget the cost of Insurance Premium Tax (IPT) standard IPT is currently 12%.

Can you buy cheap car insurance for over 50s?

The over 50s have a big choice of insurers keen to offer competitively priced and good value car insurance. Several car insurers have specialist policies aimed at drivers over 50 or who market their policies in affinity with an organisation that represents the over 50s. But most insurers are keen to have over 50s as customers and competition pushes down the price.

  • young drivers, under 25, paid an average of £1,954 for car insurance in 2020

  • those aged 25-49 paid £628 for an annual policy

  • drivers age 50+ paid an average of £370 for car insurance

Source: Consumer Intelligence car insurance price index, December 2020.

How can over 50s get cheaper car insurance?

  • Garage your car: Keeping a car on the road increases the risk of it being stolen, vandalised or accidentally damaged. Bring it onto your driveway if you have one, or better still, clear out that garage you use for storage and put your car away each night. Insurers often discount for garaged cars.

  • Change the type of car you drive: Another factor is the type of car you drive, with the car’s speed, security features, and value all playing a big part – read our guide to the cheapest cars to insure to find out which cars attract the cheapest insurance premiums.

  • Increase your voluntary excess: Opting for a bigger voluntary excess may result in a cheaper monthly premium. But make sure you can afford any voluntary excess if you need to claim. This excess is in addition to the compulsory excess set by your insurer. This is what you will have to pay if you ever have to claim. However, you can also insure your excess, so that if your claim exceeded your excess it too would be paid. 

  • Pay upfront: Pay for your insurance in one go if you can. Spreading the cost of your car insurance over 12 payments, monthly, may seem cheaper but remember you will be paying interest on top of the amount you pay towards your car insurance premium.    

  • Drive less: Limiting your miles makes you less of an insurance risk. Simply because you are reducing your risk of having an accident. When you take out your car insurance policy the insurer always asks for an estimate of your maximum annual mileage. You need to try and you’re your mileage low, although you need to be realistic as to how much you will drive. 

  • Install extra security: Having an alarm or immobiliser is considered a theft deterrent and by deterring car thieves you can reduce your car insurance. Not all insurers will offer this, so check first.

  • Do an advanced driving course: Some insurers will offer a discount for drivers who have completed an advanced driving course. There are several recognised providers such as the Institute of Advanced Motorists and the Royal Society for the Prevention of Accidents. Driving courses are not just for new drivers – you’ll be surprised how much you will learn.

  • Shop around: Aim for a month before your car insurance renewal comes up could also save you money. It may be your current car insurance is the cheapest available but because pricing changes it’s always best to stay vigilant.

  • Consider a multi car insurance policy: If your driveway is heaving with cars it may make more sense to try and include all those cars and yours on one policy. Some insurers allow you to take out a single multicar policy including for children at university. Check to see if you can reduce your insurance costs with a multi-car insurance policy.

  • Consider black box car insurance: Some insurers offer a telematics policy that either means a black box is installed in your car or you download a special app to your phone. It reports to the insurer when you drive and how you drive, revealing if you speed, if you accelerate and brake sharply, and how smoothly you take corners. Black box insurers reward good driving.

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Car Insurance comparison is provided by Confused.com which is a trading name of Inspop.com Limited who are authorised and regulated by the Financial Conduct Authority. Registered office; Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, registered in England and Wales 03857130. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy. Uswitch is an intermediary and receives a percentage of the commission if you decide to buy through us.