{"id":175668,"date":"2019-03-08T09:15:10","date_gmt":"2019-03-08T09:15:10","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=175668"},"modified":"2026-04-09T17:08:02","modified_gmt":"2026-04-09T16:08:02","slug":"car-insurance-for-drivers-over-50","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/older-drivers\/car-insurance-for-drivers-over-50","title":{"rendered":"Car insurance for drivers over 50"},"content":{"rendered":"

Car insurance for drivers over 50 is typically some of the cheapest available. This is because car insurance providers are more likely to see you as low-risk and reduce your premium if you have a long history of safe driving. If you\u2019ve simply been choosing to renew your car insurance year after year, it\u2019s time to shop around and see if you could start paying less.<\/p>

What is over 50s car insurance?<\/h3>

Most car insurers don\u2019t offer specialist policies for drivers over 50. After all, the cover you need is unlikely to dramatically change overnight on your 50th birthday. While all insurers take your age into account when setting your premiums, as part of their underwriting criteria, most cover different age groups under the same terms.<\/p>

However, some insurers do market their products primarily or exclusively at older drivers \u2013 typically those over 50. Saga car insurance<\/a>, for example, is only available for those aged 50 or older. Meanwhile the Post Office<\/a> has separate policies aimed at under- and over-50s.<\/p>

How much does over 50s car insurance cost?<\/h3>

According to the Association of British Insurers<\/a>, drivers aged between 50 and 75 tend to pay the lowest annual car insurance premiums of all age groups \u2013 well under \u00a3400, on average. Drivers aged between 66 and 70 pay the least, shelling out just \u00a3272 for their car insurance.<\/p>

However, as drivers get older, they may see their insurance costs start to climb. Premiums for those aged over 85 are likely to hit, or tip over, the \u00a3500 mark.<\/p>

Of course, this isn\u2019t a hard and fast rule, as there are lots of other factors that affect your premium. A 66 year old driving a fast, expensive and powerful car, and with a poor driving record, may well pay more than a 35 year old with a flawless record and who drives a cheaper, less powerful car.<\/p>

Compare quotes with Confused.<\/a><\/p>

Is car insurance for drivers over 50 cheaper than for younger drivers?<\/h3>

Yes, up to a point. Age plays an important part in how car insurance premiums are calculated. This is linked closely to each age group\u2019s risk of making an insurance claim and how big that claim is. ABI figures show that drivers aged 30 or under are more likely to make a claim than older age groups and, for drivers up to 20 years old, the average claim amount is also higher.<\/p>

The frequency of claims decreases by age up to 75 years, and then starts to rise again among older drivers. As you\u2019d expect, average premiums follow a similar trend.<\/p>

This means that car insurance is typically cheaper for those aged between 50 and 75 than it is for younger drivers. However, much older drivers (aged 91 or over) pay, on average, a similar amount to 26-30 year olds.<\/p>

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