cheap over 60 car insurance
How The Over 60s Can Save On Their Car insurance
Age plays a vital role when it comes to car insurance in the United Kingdom. Younger drivers, especially those in their teens, pay more insurance premiums as insurers consider them inexperienced drivers with a higher risk of accident. On average, a young drivers can expect to pay nearly 3 times mores more than older drivers over 80s car insurance or over 60s. As the younger drivers age and reach 60, they get cheaper car insurance. This is due to their wealth of driving experience, which makes them more cautious on the road. With increased caution, accident risks decrease, leading to lower insurance premiums. However, for older driver over 70s and 80s, their insurance premium tends to increase as they may face increased risk factors such as slower response times, bad vision and other health issues due to old age.
When you are looking for car insurance cover as you get older, remember that there is no maximum legal driving age in the UK. Unfortunately, some providers do impose an upper age limit, but t we will focus on those that do not penalise older drivers and how you can make savings on 60s car insurance.
Whilst experience and a good history of driving will always count in your favour as a driver over 60, sometimes it can still seem difficult to find a good deal on your car insurance. We can help you by explaining how insurance costs are arrived at and also providing you access to a panel of insurance specialist that deal with insurance for seniors.
What makes car insurance cheaper for over 60s?
Remember, the lower premiums for senior drivers are not solely attributed to age; insurance providers take into account various factors when determining insurance premiums. Some of these include:
- Driving Experience: A long history of safe driving can lower your insurance costs. Many over-60s have decades of experience, resulting in fewer accidents and cleaner driving records.
- Occupation: Retirees often pay lower premiums due to reduced commuting and less rush-hour driving. If still working, your profession also affects costs — for example, car insurance for police officers is typically cheaper than for mobile hairdressers or travelling sales reps.
- Lower Your Mileage: Insurance providers factor annual mileage into your premium. Lower mileage means less time on the road, reducing risk and helping you qualify for cheaper car insurance.
Understanding the Types of Over 60s Car Insurance Options
Like any other car insurance policies, over 60s car insurance policies include:
Fully Comprehensive Cover: Fully comprehensive over-60s insurance policies offer the highest level of coverage. This includes protection not only for damage to third-party vehicles, but also for your car, regardless of who is at fault. It covers a wide range of incidents, including accidents, breakdowns, theft, fire, damage from natural events and legal cover for legal protection claims, sometimes.
Third-party cover only: Third-party coverage only fulfils the legal requirement for a car driver in the UK. if you have a Third Party Only car insurance policy and you are involved in an accident, your insurance will cover the costs for the other parties involved, such as repair costs for their vehicles or medical expenses.
Third-party fire and theft cover: TPFT includes protection for your vehicle in case of fire or theft. It doesn’t offer as extensive coverage as comprehensive insurance. Coverages such as personal accident cover, courtesy car cover, and breakdown cover are left out in TPFT.
How To Keep Over 60s Car Insurance Affordable
Whilst your risk profile may result in increased premiums you can take other steps to lower the final premium cost, we list some steps that you may be able to take to keep your insurance within your living expenses budget.
| Tip | Description |
|---|---|
| Keep Mileage Low | Lower mileage means less time on the road, reducing accident risk in the eyes of insurers. Although it limits flexibility, it can significantly reduce premium costs. |
| Secure Your Vehicle | Fit an alarm or immobiliser and, where possible, park securely overnight such as on a driveway. Better security reduces theft risk and helps lower your premium. |
| Avoid Monthly Payments | Paying monthly adds interest charges. Paying annually in a single lump sum is usually cheaper. |
| Increase Voluntary Excess | Increasing your voluntary excess can reduce your premium if you are a low-risk driver. |
| Choose a Lower Insurance Group | Cars in lower insurance groups cost less to insure. Switching to a lower-group vehicle can result in instant savings. |
| Compare Prices | Comparing quotes helps you find cheap car insurance policies. Use our car insurance calculator, and check providers not on comparison sites such as car insurance companies not on comparison sites and insurers like Haven Insurance. |
| No-Claims Bonus | A no-claims bonus rewards you for claim-free driving. The longer you go without a claim, the larger the discount on your premium. |
| Driving History | A clean driving record helps reduce premiums. Poor credit history can increase rates, so consider improving yours with help from our bad credit car insurance guide . |
| Black Box (Telematics) | Installing a black box can lower premiums for safe and young drivers. If you prefer not to use one, see options for no black box insurance . |
Did you know?
Getting multiple quotes is one of the best ways to prevent overspending on car insurance.
Does Car Insurance Go Down When You Retire?
Retirement can affect your premiums if you change the primary use of your car from ‘commute’ to ‘social’ or ‘pleasure’. Naturally, when you change this your mileage annually should drop too, and sometimes you can qualify for low mileage discounts that some insurance providers offer. Some insurance companies may offer a senior discount too, which can be up to 10% off your premiums.
Other Car Insurance Options
Another option if you are over 60 and use your car less is to consider temporary UK insurance or pay as you use model, most providers of temporary car insurance cap the upper age limit to 70 or 75, but this could change in the future as they realise they are losing out on the over 80s marketplace. We have listed the key providers of temporary insurance and advise checking their existing terms for changes to upper age limits. If you live in Northern Ireland, temporary car insurance NI is available with Goshorty,
What is The Cheapest Car Insurance For Senior Citizens?
According to a recent Which survey, two companies were mentioned as the best for focusing on the older driver. Here they are:
- Saga. Minimum age is 50, so if you are over 60 you will be eligible for, it also stands out as it will offer in your yearly premium a full year’s worth of cover overseas. So if you still like a weekend away in the car, perhaps in France via the Dover to Calais car ferry, this one could be right up your street.
- The Post Office. Minimum age is 50, it offers as standard coverage for any windscreen or window damage and lost keys cover. Which even if you still have a strong memory, it’s still a handy cover to have in as standard.
Saga Car over 60s Insurance Highlights
Saga is worthy of a special mention as they are one of the few providers of over 80s car insurance that specialises in providing car cover for the more experienced drivers. Some features of over 80s car insurance cover with Saga include:
- 3-year fixed car insurance policy rate (subject to terms and conditions)
- Optional legal protection includes 4 hours of driver confidence coaching from Saga
- EU cover for up to 90 days in any policy year
- £1 million medical cover with Accident Healthcare
*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
- Updated: 02 Dec 2025
- Reviewed by Eamonn Turley Insurance Expert