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.
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 | No |
| 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 ran quotes for a range of different age groups and found that LV= tended to offer competitive insurance quotes across the board. This insurer also offers multi-car discounts (up to 20% on an additional vehicle), plus you can typically 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 prices have generally been falling during the pandemic as people have driven less, so it's always worth shopping around.
- Offers 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 can incur an admin fee.
- Terminating a policy within or after the 14-day cooling-off period will cost you 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 2022 car insurance 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 1,841 insurance customers was carried out in December 2021.
| Overall satisfaction | Customers who’d recommend | Issuer | Review | |
|---|---|---|---|---|
| ★★★★★ | 86% |  | Saga offers cover tailored to older drivers, 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 patient and helpful customer service and a reasonable price over the 3 years of a fixed price. | View deals |
| ★★★★★ | 85% |  | Hastings Direct’s main cover options are Direct and Premier. The company also offers a ‘no-frills’ policy called Essential cover, as well as third party only cover, and third party, fire and theft. Customers like the low prices and good service on offer. | View deals |
| ★★★★★ | 85% |  | Aviva is the largest general insurer in the UK and was top in our customer satisfaction awards in 2020. It states clearly what is covered, what isn’t covered and what’s optional. Customers praise the good service and call the company reliable, and the sign up process was straightforward. | View deals |
| ★★★★★ | 84% |  | Direct Line has dropped from top spot last year, but is a strong contender. The company received high praise from customers, with many of them calling Direct Line’s service great. The easy set up, fast response and competitive prices stands the company in good stead. | View deals |
| ★★★★★ | 83% |  | Age Co, formerly known as Age UK, is another over-50s specialist. While it does offer cover to younger drivers as well, its policies are tailored to those with more experience – in life and on the road. The company’s customers say it is efficient and has a great service. | View deals |
| ★★★★★ | 82% |  | Axa’s comprehensive cover comes with a lifetime guarantee on repairs, £5,000 personal accident cover and protection from uninsured drivers. Customers in our survey were pleased with its competitive prices and great customer service. | View deals |
| ★★★★★ | 81% |  | As well as standard car insurance, LV= recently launched LV= Flow – a rolling monthly cover. The company’s comprehensive cover includes windshield damage and replacement locks and was praised by customers as being simple, having helpful customer service and a great competitive price. | View deals |
| ★★★★★ | 79% |  | 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 fair prices and good value service. | View deals |
| ★★★★★ | 78% |  | 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 said the service is helpful and efficient. Extra cover can be added such as motor legal assistance and excess protection. Customers love breakdown cover as an extra and The AA’s competitive prices. | View deals |
| ★★★★★ | 84% |  | NFU Mutual started life as provider for farmers and those living in rural areas, but has since expanded to cover all kinds of customer. All policies include breakdown cover from RAC, and loyal customers get a Mutual Bonus. Customers loved how the company went the extra mile for them and the high quality insurance. | View deals |
| ★★★★★ | 78% |  | 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 as being good value and quite reliable. | View deals |
| ★★★★★ | 78% |  | Most people would be aware of Churchill, largely due to its nodding dog. Love or hate those ads, customers called the service provided by Churchill reliable and helpful, and some were impressed by its fair prices. | View deals |
| ★★★★★ | 77% |  | Known mostly as a posh department store, John Lewis also provides a range of financial products. Its comprehensive policy comes with a lot of benefits, including guaranteed repairs and a courtesy car as standard. It also covers windscreen repairs and if you accidentally put the wrong fuel in your vehicle. | View deals |
| ★★★★★ | 76% |  | 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. Customers in our survey love the helpful staff. | View deals |
| ★★★★★ | 70% |  | More Than’s comprehensive policy 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. Customers like what they get for their money. | View deals |
| ★★★★★ | 68% |  | Ageas only offers comprehensive cover with personal accident, windscreen cover and replacement keys all included as standard. Customers praise the efficient nature when it deals with a claim. | View deals |
| ★★★★★ | 51% |  | Endsleigh was founded in 1965 by the NUS to provide affordable insurance designed for students. It now offers cover for everyone, but still specialises in policies for students. A host of policies are available from standard car insurance to temporary cover, learner driver insurance to black box cover. | View deals |
| ★★★★★ | 73% |  | 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). It has received a few mixed reviews, however. | View deals |
| ★★★★★ | 64% |  | Swinton offers comprehensive cover, as well as third party, fire and theft. All comprehensive options offer decent benefits and the company also caters for young drivers, over 50s and those looking for short term cover. Some say the company is efficient and quick, others say there are many hoops to jump through when claiming. | View deals |
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 1,841 customers carried out in December 2021.
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