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.

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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
EU Coverage Yes
No claims protection Yes
Multi-car-discount No
Courtesy Car Yes, with comprehensive cover
Claims Methods 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 Optional extra
EU Coverage Yes
No claims protection
Multi-car-discount Yes
Courtesy Car Yes
Claims Methods Online or phone
Personal Accident Protection Up to £5,000

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 Optional
EU Coverage Yes
No claims protection Yes
Multi-car-discount Not stated
Courtesy Car Yes
Claims Methods By phone 24/7
Personal Accident Protection Yes

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

Data indicated here is updated regularly
Name Product Available Cover Details Link
Saga Comprehensive
Third party only, third party fire and theft and comprehensive
Unlimited European use cover and uninsured driver protection. Discounts for over-50s.
Get a quote
Post Office Over 50's
Comprehensive, third party fire and theft & third party only
Benefits include uninsured driver promise and child seat cover
Get a quote
Age Co car insurance
Third party only, third party fire and theft and comprehensive
Protected No Claims Discount as standard.
No hidden admin fees.
Guaranteed courtesy car.
Compare quotes
Aviva car insurance
Third party fire and theft and comprehensive
Cover for legal costs if you're involved in an accident.
Uninsured driver promise, transport home or to your destination.
Pay monthly, interest free. Named driver and multi-car discount.
Get a quote
LV= Comprehensive
Third party only, third party fire and theft and comprehensive
Replacement lock cover, misfuelling and accident cover and lifetime guarantee on eligible repairs*
Multi-car discount available
Get a quote
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Compare up to 4 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% Picture not describedaviva logo 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 logosaga logo 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% Picture not described 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% Marmalade logo 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% Picture not described 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% churchill logo 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% LV= logo 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% Picture not describedhastings direct home insurance 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% Picture not describedAdmiral-logo 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% Picture not describedage uk insurance 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% Picture not described 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% Picture not describedTesco-logo 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% Picture not described 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% Picture not described 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% Picture not describedthe aa logo 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% Picture not describeddiamond logo 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% Picture not described 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.

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