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The over 60s are statistically some of the safest drivers on the road, thanks in part to their sensible, experienced approach to driving. It makes sense then, that motorists over 60 are rewarded by insurers with lower premiums on average than other road users.
On this page, we’ll explain everything you need to know before getting your own quote for over 60s car insurance.
Drivers between the ages of 18-24 are regarded as the highest-risk group of motorists, while drivers over 60 sit at the opposite, safer end of the spectrum.
Less risk tends to mean lower premiums, so you’ll find car insurance for over 60s is usually cheaper than that for other age groups.
Like insurance for other age groups, car insurance for the over 60s is calculated by factors such as your no claims bonus, the car you drive, and the miles you’ll do in it.
The location you live in and your current occupation also plays a role in how your car insurance quote is calculated.
‘Motorists over 60 are some of the safest groups of drivers on UK roads, so it makes sense their premiums are on the cheaper side. However, that doesn’t mean it’s not worth shopping around; specialist insurers offer useful add-ons to those over 60’.
Curtis Moldrich - automotive journalist
Is it worth getting specialist car insurance for the over 60s?
The over 60s tend to benefit from cheaper premiums from major insurance providers, but it can be worth going with a specialist car insurance provider.
Policies bespoke to the over 60s can include useful benefits and add-ons such as a guaranteed courtesy car, no upper age limit and a ‘get you home service’ in the event of an accident.
Lost keys cover can also be particularly useful.
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*Quidco ran a prize draw between 22.07.20 and 05.08.20 asking participants to test us by comparing two car insurance quotes: one from Compare and one from any other UK comparison site. Out of 2,392 participants, 82.25% received a lower premium from Compare with their cashback included.