Over 60 Car Insurance

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Compare car insurance from leading car insurers for over 60’s including:

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Why Compare Over 60 Car Insurance With SimplyQuote?

Whether you’re already retired or nearing your golden years, the last thing you need is to stress about getting insurance. You probably want to spend the time relaxing with family and loved ones, or enjoying your empty nest and going on adventures!

But before you can hit the road, you need car insurance.

SimplyQuote makes it really simple to find and compare prices from leading insurance providers in the UK. By completing a short online form, you will receive no-obligation quotes so you can find the perfect insurance policy to suit your needs.

What Do You Need To Get A Quote?

Why Do You Need Over 60 Car Insurance?

What Does Over 60s Car Insurance Cover?

Looking for the cheapest over 60s car insurance? Get your quote today!

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What Are The Types Of Over 60 Car Insurance?

There are many different types of car insurance for over 60s, as it is usually a standard car insurance policy. These include multi-car policies, fleet insurance, van insurance, business use insurance, etc.

However, since older drivers tend to no longer commute to work daily, car insurance companies usually recommend the following insurance policies:

Pay-as-you-go (PAYG) insurance

This policy is perfect for those looking for cheap car insurance who also don’t plan on driving a lot.

Instead of taking out an annual policy, PAYG only covers you when you’re actually driving. Your car insurance premium is then calculated based on how many miles you drive.

If you don’t plan on using your car often, this is the policy for you.

Telematics insurance

Also called black box insurance, this insurance uses data from a telematics device installed in your car to calculate your premiums.

The black box records how you drive and sends the info to your insurance company. If you’re a responsible driver (e.g. you don’t speed, you accelerate slowly, you don’t drive at night), you will enjoy much cheaper car insurance.

Classic car insurance

If you’re a collector of classic or vintage cars or your car is as old as you, this policy is ideal. Classic car cover protects cars over 15 years of age and collectables. Although there’s a cap on the annual mileage for these vehicles, if you only use your car occasionally, consider getting this affordable cover.

*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

What Levels Of Over 60 Car Insurance Can You Get?

How Much Does Over 60 Car Insurance Cost?

Age RangeAverage Insurance Cost (£)
60-64 £345
65-69 £340 – £349
70-74 £326 – £361
75-79 £338 – £414
80-84 £416 – £509
85-89 £519 – £662

Looking for the cheapest over 60s car insurance? Get your quote today!

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Which factors influence the insurance cost?

How Can You Get Cheaper Car Insurance If You’re Over 60?

How To Compare Over 60s Car Insurance With SimplyQuote?

Comparing cover 60s car insurance quotes couldn’t be simpler with SimplyQuote:

  1. Complete an online questionnaire: Tell us about yourself and your vehicle.
  2. Select your insurance: Choose the policy that best suits you and any extras.
  3. Compare cheap quotes: Receive the best insurance deals.
  4. Save money: Find car insurance cheaper than ever before!
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Frequently Asked Questions

What is over 60 car insurance?

Over 60s car insurance is designed specifically for older drivers. These individuals are more likely to drive safely due to years of experience, meaning they’re considered lower risk for insurance companies.

Which age group gets car insurance cheaper than other ages?

The Association of British Insurers (ABI) states that those aged 66 to 70 tend to have the lowest car insurance premiums.

Do retired drivers require a specialist car insurance provider?

No, you don’t need a specialist provider, however, these specialists often offer various perks and discounts specifically for older drivers.

Some benefits you might be offered from specialist providers include:

  • 3-year fixed price
  • Courtesy car
  • European cover for up to 180 days
  • Windscreen cover
  • Service to get you home if you were involved in an accident
How will your health affect your car insurance when you’re older?

If you’re healthy and fit, you should be able to get lower car insurance rates. However, if you suffer from any medical conditions that may impact your ability to drive, you need to notify your insurance provider as well as the DVLA. Should you fail to do this, you will face fines and your licence may be invalidated.

The government has published a list of health conditions that must be declared.