Top pick for
Over 50s

Top pick for
Over 50s
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.
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 |
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 |
Roadside assistance | |
---|---|
EU Coverage | |
No claims protection | |
Multi-car-discount | |
Courtesy Car | |
Claims Methods | |
Personal Accident Protection |
Roadside assistance | |
---|---|
EU Coverage | |
No claims protection | Yes |
Multi-car-discount | |
Courtesy Car | |
Claims Methods | |
Personal Accident Protection |
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.
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 |
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