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Seniors car insurance
Over 60 and want the best deal on your car cover? Compare quotes and get the right insurance for you.
Compare car insurance for seniors
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Which is the cheapest car insurance?
We got online quotes from six car insurance providers to see how their prices stacked up for drivers based in different parts of New Zealand, from Auckland to Dunedin. All quotes were for comprehensive car insurance policies, but car and driver details are different across the two sets of quotes we ran.
Across all of the quotes we compared, the two cheapest car insurance providers were AMI and Trade Me. However, prices across insurers varied substantially for different vehicles, locations and driver details. In our selection, quoted prices differed by as much as a massive 65%, showing that picking the right insurer can result in saving thousands of dollars every year.
| Insurer | Auckland | Hamilton | Christchurch | Wellington | Dunedin |
|---|---|---|---|---|---|
| AA | $822.08 | $662.61 | $672.49 | $632.75 | $606.30 |
| AMI | $694.36 | $571.32 | $620.31 | $620.31 | $583.20 |
| Cove | $877.44 | $683.76 | $770.64 | $790.56 | $677.16 |
| State | $873.12 | $786.55 | $846.25 | $795.08 | $731.12 |
| Tower | $809.06 | $702.89 | $831.81 | $755.98 | $667.06 |
| Trade Me | $695.57 | $676.51 | $792.18 | $724.13 | $644.37 |
All quoted prices are for one year of cover. All quotes in set 1 were gathered on 15 and 16 July 2020.
Our first set of quotes were based on the following details:
- A comprehensive car policy.
- A 30-year-old male driving a 2008 Honda CRV Wagon, with an agreed value of $14,000 and with a full NZ driver’s licence
- The driver has no history of accidents, has 8 years driving experience and drives around 8,000 kilometres each year.
- The driver has no other policies with the insurer and is the only named driver on the policy.
- The car is usually parked in a carport at the driver’s address.
- The car has no modifications and there is no money owed on it.
- Chosen excess was $500, except for State which only allows a $400 excess.
- The driver is a Trade Me member, but not a member of the AA.
| Insurer | Auckland | Hamilton | Christchurch | Wellington | Dunedin |
|---|---|---|---|---|---|
| AA | $1,060.30 | $856.77 | $869.38 | $818.67 | $784.92 |
| AMI | $874.00 | $720.83 | $781.82 | $781.82 | $735.63 |
| Cove | $1,172.88 | $913.32 | $1,029.60 | $1,056.48 | $904.44 |
| State | $809.04 | $728.60 | $846.25 | $736.52 | $676.93 |
| Tower | $828.28 | $719.70 | $851.54 | $774.00 | $683.07 |
| Trade Me | $711.08 | $623.42 | $729.86 | $667.25 | $593.83 |
All quoted prices are for one year of cover. All quotes in set 2 were gathered on 6 August 2020.
Our second set of quotes were based on the following details:
- A comprehensive car policy.
- A 40-year-old female driving a 2019 Mitsubishi ASX Wagon, insured for an agreed value of $28,00 and with a full NZ driver’s licence
- The driver has no history of accidents, has 10 years driving experience and drives around 8,000 kilometres each year.
- The driver has no other policies with the insurer and is the only named driver on the policy.
- The car is usually parked in a garage at the driver’s address.
- The car has no modifications and there is no money owed on it.
- Chosen excess was $500, except for State which only allows a $400 excess.
- The driver is a Trade Me member, but not a member of the AA.
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