Top pick for
Over 50s
Best car insurance for over 50s in the UK right now
If you're over 50 and searching for a new car insurance provider, we've reviewed and rated the best car insurance providers out there for older drivers.
Top pick for
Benefits
Top pick for
Cheaper rates
Top pick for
Renewal quotes
For our “best for” categories, our team evaluated a range of features from providers on our website to help determine the best over 50s car insurance companies out there. Keep in mind that our “best for” categories may not always be the best for you, and it’s wise to compare for yourself to find the policy that works for you. Read our full methodology here to find out more.
What's in this guide?
Best overall car insurance for over 50s
Finder's Pick: Saga comprehensive car insurance
Unlimited EU cover
No-claims protection
Uninsured driver cover
Saga offers specialist tailored cover for drivers over the age of 50 with a minimum age of 45 (you must have at least one named driver over the age of 50 on the policy to qualify). Customers reported friendly service and a good level of cover. Lastly, all Saga policies come with cover for unlimited European use and protection against uninsured drivers.
- Unlimited European use cover.
- Protection against uninsured drivers.
- Discounts for insuring additional cars registered to the same address for drivers over 50.
- Highly commended in our 2020 Finder Customer Satisfaction Awards with a score of 5 out of 5 stars.
- Changing your details mid-term may result in a £25 administration fee.
- Cancelling a policy may result in an administration fee of up to £50.
| Roadside assistance | Optional extra |
|---|---|
| EU Coverage | Yes |
| No claims protection | Yes |
| Multi-car-discount | |
| Courtesy Car | Yes |
| Claims Methods | Online or phone |
| Personal Accident Protection | Yes, with comprehensive cover |
Best value car insurance for over 50s
Finder's pick: LV car insurance
Discounts for new customers
24/7 claims helpline
Multi-car discount
We analysed the average quotes offered to a range of different age groups and concluded that LV= tends to offer competitive insurance quotes across the board. This insurer offers multi-car discounts (up to 20% on an additional vehicle), plus you can often lower your premium by adding a voluntary excess. LV= also covers European use, damage by uninsured drivers, vandalism and accidental damage as standard with its over-50s policies.
- Insurance provider offering a range of car insurance policies for standard, classic and electric cars.
- Multi-vehicle insurance available.
- A range of optional extras to enhance car cover.
- Claims line is open 24/7.
- A change in vehicle or named drivers may result in an administration fee.
- Terminating a policy within or after the 14-day cooling-off period will result in a £40 cancellation fee.
| Roadside assistance | Optional extra |
|---|---|
| EU Coverage | Yes |
| No claims protection | Optional extra |
| Multi-car-discount | Yes |
| Courtesy Car | Optional extra |
| Claims Methods | Online or phone |
| Personal Accident Protection | Yes |
Best car insurance benefits for over 50s
Finder's Pick: Age Co car insurance
EU coverage
Designed for over 50s
No upper age limits
Age Co offers car insurance to motorists aged 50 and above. Its benefits include a 24-hour accident helpline and a message relay service, where a family member is automatically contacted in the case of a car accident. With all policies, you’ll be granted a courtesy car and "Get You Home" service as standard should you need it.
- No upper age limits.
- Access to a 24-hour accident helpline.
- Age Co’s Message Relay service gives you the option for a friend or family member to be contacted if you have an accident.
- Key protection requires an extra premium.
- Medical emergencies must be reported within 24 hours to be covered.
- Might not provide the best cover for younger drivers.
| Roadside assistance | |
|---|---|
| EU Coverage | |
| No claims protection | |
| Multi-car-discount | |
| Courtesy Car | |
| Claims Methods | |
| Personal Accident Protection |
Best over 50s provider for renewal quotes
Finder's Pick: Post Office over 50s car insurance
EU Coverage
Covers passenger injury
Gift card with new policy
The Post Office promises to beat your current car insurer’s renewal quote by at least £50 if you’re over 50. Its over-50s policy includes uninsured driver protection, among a host of optional extras.
- There is no excess for windscreen replacement and repair and if you make a claim, it won’t affect your No Claim Bonus.
- You will receive a 3-year guarantee on repairs for your vehicle when you use selected garages.
- A range of optional extras, including key cover and breakdown cover.
- Claims line is open 24/7
- Policy information is not easily accessible.
| Roadside assistance | |
|---|---|
| EU Coverage | |
| No claims protection | Yes |
| Multi-car-discount | |
| Courtesy Car | |
| Claims Methods | |
| Personal Accident Protection |
Best car insurance providers for over-50s
- Saga. Saga offers all types of insurance products tailored to the needs of over 50s. Motorists have historically appreciated the perks and customer service with Saga car insurance products. With its three-year fixed-price guarantee, Saga guarantees your premiums won’t increase for three years, provided none of your details change.
- Age Co. Age Co is the commercial arm of Age UK. It also offers car insurance exclusively to over-50s. Age Co has built a reputation for offering sterling customer service. Its policy includes a number of benefits that older motorists are likely to appreciate, such as a 24-hour accident helpline and Get You Home service delivered as standard.
- LV=. LV= tends to appear near the top of the car insurance price comparison tables for most age groups, but we found that to be particularly true for over-50s. LV= gives you plenty of options for add-ons, allowing you to tailor your policy for your exact needs.
- Post Office. The Post Office promises to beat your current car insurer’s renewal quote by at least £50 if you’re over 50. Its over-50s policy includes uninsured driver protection, among a host of optional extras.
- Rias. Its over 50s policy includes uninsured driver protection and a courtesy car as standard. There are tons of benefits available as add-ons, meaning it’s easy to tailor your policy to your individual needs.
- Hastings Direct. The over-50s car insurance policy offered by Hastings Direct includes a number of useful benefits – including legal protection, roadside assistance and a courtesy car – as standard.
How to find the best cheap car insurance for over 50s
- Shop around. Loyalty rarely pays when it comes to car insurance. You’re best off using price comparison services a few weeks before your current policy expires every year. More often than not, a competitor will beat your renewal quote.
- Choose your vehicle sensibly. The value of your vehicle plays a huge role in the car insurance premium quoted to you. If you’re looking to lower the cost of your car insurance, you may want to consider downgrading to a smaller, less powerful car.
- Increase your excess. Many insurers will lower your premium if you increase your voluntary excess.
- Add yourself to a multi-car policy. A lot of insurance providers offer discounts to households who insure more than one vehicle with them. So, it could work out cheaper if you and your partner are all covered by the same company.
Cost of car insurance for over 50s
The cost of your car insurance is dependent on dozens of factors, not just your age.
However, a recent study conducted by ValuePenguin suggests that premiums tend to be cheapest for motorists in their 50s.
It was found that Ford Fiesta drivers aged 55 can expect to pay around £468 per year (based on the average of the cheapest five quotes found by the researchers). This average was lower than what younger drivers can expect to pay.
However, the average price creeps up for drivers aged 65 (£491/year) and 75 (£752/year).
Insurers insist this is because motorists in this age range are statistically more likely to claim on their car insurance.
Compare the best over-50s car insurance providers
Our 2020 customer satisfaction league table
We asked policyholders to rate their satisfaction with their insurance company and whether they’d recommend it to a friend. We’ve shown both for each brand in the table below. Our independent survey of 750 insurance customers was carried out in December 2019.
| Overall satisfaction | Customers who’d recommend | Issuer | Review | |
|---|---|---|---|---|
| ★★★★★ | 91% |  | The largest general insurer in the UK and our top prize winner, Aviva has three levels of comprehensive cover to choose from, as well as third party and third party, fire and theft cover. This might sound confusing, but customers in our survey praised the easy application process and good service. | View deals |
| ★★★★★ | 81% |  | Saga offers specialist tailored cover for drivers over the age of 50, with a minimum age of 45 (you must have at least one named driver over the age of 50 on the policy to qualify). Customers reported friendly service and a good level of cover. | View deals |
| ★★★★★ | 75% |  | While fewer Direct Line customers said they would recommend the service, the strength of its policies pushed its overall score up. Customers surveyed called the products on offer competitive and the service helpful. | View deals |
| ★★★★★ | 87% |  | As Marmalade only offers cover to drivers up to the age of 30, it didn’t quite make our top 10. However, the service did very well in our survey, with customers calling it easy to use and praising the competitive prices. | View deals |
| ★★★★★ | 84% |  | Sheilas’ Wheels started life as a female-only car insurance provider but now offers cover to both men and women, with a focus on benefits to appeal to women and parents. The service was said to be helpful and efficient by customers. | View deals |
| ★★★★★ | 83% |  | Most people would be aware of Churchill, largely because of its nodding dog. Love or hate those ads, customers called the service provided by Churchill reliable and helpful. Some were impressed by the claim handling process. | View deals |
| ★★★★★ | 82% |  | As well as standard car insurance, LV= also offers cover for electric and classic cars. Its comprehensive cover includes windshield damage and replacement locks and was considered good value by customers in our survey. | View deals |
| ★★★★★ | 77% |  | Hastings Direct’s two main cover options are Direct and Premier. The company also offers Essential comprehensive cover, as well as third party and third party, fire and theft, but there’s not a lot of information available on those. | View deals |
| ★★★★★ | 76% |  | As one of the most well-known insurers in the UK, Admiral offers a range of cover options, including a combined home and car policy, multi-car cover and temporary car insurance. Customers praised the good value cover and helpful staff. | View deals |
| ★★★★★ | 76% |  | The company formerly known as Age UK, Age Co is another over-50s specialist. Like Saga, it also offers cover to younger drivers, but its policies are tailored to those with more experience – in life and on the road. | View deals |
| ★★★★★ | 77% |  | Swinton offers three levels of comprehensive cover, as well as third party, fire and theft. All comprehensive options offer decent benefits and the company also caters for young drivers, convicted drivers and those looking for short-term cover. | View deals |
| ★★★★★ | 73% |  | The largest supermarket chain in the UK, Tesco also provides solid car insurance policies. You can choose the Black Box policy for young drivers (17–35) or the standard cover for drivers over 21, which customers reported being good value. | View deals |
| ★★★★★ | 72% |  | Axa’s comprehensive cover comes with a lifetime guarantee on repairs, a courtesy car and protection from uninsured drivers. The company’s claim handling service was said to be quick and efficient by customers in our survey. | View deals |
| ★★★★★ | 71% |  | Known mostly as a posh department store, John Lewis also provides a range of financial products. Its comprehensive policy comes with a load of benefits, including misfuelling and vehicle ID theft cover as standard. | View deals |
| ★★★★★ | 69% |  | A staple of the British roads, The AA offers third party, fire and theft cover and a benefit-laden comprehensive cover. AA members get extra perks and customers called the company’s car insurance cover reasonably priced with good service. | View deals |
| ★★★★★ | 65% |  | Diamond is another insurer targeting women drivers. Like Sheilas’ Wheels, it covers men as well but has benefits such as handbag and child seat cover, which it believes will appeal to women (who are considered lower risk drivers). | View deals |
| ★★★★★ | 64% |  | More Than’s comprehensive cover includes windscreen cover and replacement locks. The company also offers a third party, fire and theft policy, as well as cover for young drivers and a decent multi-car discount. | View deals |
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
Frequently asked questions
More guides on Finder
-
Compare the best business credit cards of 2021
Saving time on expense reports and streamlining your cash flow are just a couple of the many perks you could enjoy with a business credit card. Compare interest rates and check your eligibility today.
-
Best pension fund
Looking for the best pension fund to invest your pension in? We’ve found some of the best ones by their compound annual growth rate.
-
Lexus IS200 insurance group
Find out which insurance group the Lexus IS200 falls under and how much it costs to insure.
-
Lexus CT200 insurance group
Find out how much it could cost to insure the Lexus CT200 based on your age and location.
-
Peugeot 3008 insurance group
Find out which insurance group the Peugeot 3008 falls under and how much it costs to insure.
-
Land Rover Freelander insurance group
Find out which insurance group the Land Rover Freelander falls under and how much it costs to insure.
-
Renault Twingo insurance group
Find out which insurance group the Renault Twingo falls under and how much it costs to insure.
-
Volvo S40 insurance group
Find out which insurance group the Volvo S40 falls under and how much it costs to insure.
-
Kia Sorento insurance group
Find out which insurance group the Kia Sorento falls under and how much it costs to insure.
-
Vauxhall Viva insurance group
Find out which insurance group the Vauxhall Viva falls under and how much it could cost to insure.