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Over 50s car insurance

Over 50s can save up to £409* when you compare car insurance quotes

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  • Compare quotes from up to 201 trusted insurers1 in less than 5 minutes, including specialist over 50s insurance companies

  • Select the policy add-ons you need, like breakdown cover or courtesy car cover

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July '26) 51% of car insurance customers 50 and over could save £409.50
**Single annual policy. App only. Maximum claim limit. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
[1]Correct as of July 2026
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Is car insurance cheaper for over 50s?

Generally, yes. Most over-50s benefit from cheaper car insurance than younger drivers. This is because drivers in their 50s typically have more experience on the road. As a result, they're statistically less likely to be involved in accidents. However, the price you pay ultimately depends on your personal circumstances.

Here's how much drivers in different age groups paid annually for their car insurance, on average:

Age Average Cost1
17-20
£1,860
20-29
£1,254
30-39
£843
40-49
£689
50-59
£545
60-69
£457
70+
£480

1UK car insurance prices report, Q3 July - September 2026.

Why is over 50s car insurance cheaper?

Insurance companies use many risk factors to calculate your car insurance costs.

Age is one of the most important factors - the older you are, the more experience you're likely to have. The average driver in their 50s has held their driving licence for around 25 years2. With this many years' experience, you're statistically less likely to be involved in an accident. This makes you less of a risk to insurers, so you're more likely to see lower insurance prices.

But other factors are also important, including:

The car you're driving. Insurers split cars into groups from 1-50. The higher the insurance group, the more your insurance is likely to cost. Any modifications could also increase the price you pay. This includes any adaptations disabled drivers may have made to their cars, like wheelchair ramps and lifts.

Where you live. Living in a built-up area with high vehicle theft rates tends to have higher insurance costs compared to living in a rural area with low crime rates.

Your occupation. Certain occupations are considered risky by insurers. You should always be accurate and honest about your job title though because misleading insurers could invalidate your cover.

Previous driving convictions like speeding or drink-driving increase your insurance costs.

Any no-claims bonus (NCB) you've built up. If you've been driving for several years, you might have a large no-claims bonus built up. This means you qualify for more generous no-claims discounts when buying or switching your policy.

2Confused.com data shows the median time that drivers in their 50s have held their licence for is 25 years. June - August 2026.

How can I save money on my car insurance?

Although car insurance is usually cheaper for over 50s, there are still a few ways you can save:

Avoid automatic renewal and compare quotes. Insurers have to show you how much you paid for car insurance the previous year. This makes it easy to see if you'd be paying more to let your policy auto-renew. Comparing quotes is the best way to see if you could get a better deal elsewhere. By shopping around, you could save up to £409*. The best time to buy a new policy is around 28 days before your renewal date4.

We guarantee to beat your renewal price too3. And if we don’t, we’ll give you the difference, plus £20.

Pay annually and you could save, as insurers add fees or interest if you choose monthly payments.

Increase your voluntary excess. The more you're willing to pay, the cheaper your policy could be. Just make sure you set it at an amount you can afford to pay if needed. Remember to consider the compulsory excess, as you'll have to pay this too.

Don't pay for add-ons you don't need. Policy add-ons come at a cost. If you don't think you'll need something, leave it off your policy.

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July '26) 51% of car insurance customers 50 and over could save £409.50
3Single annual policy only. T&Cs apply. Must be a like-for-like policy.
4Confused.com data shows the best time to buy a car insurance policy is 28 days before your renewal. June - September 2026.

What our car insurance expert says:

"If you’ve built a solid driving history with years of no-claims bonus (NCB), you might want to look for policies that include protected no-claims bonus. With a protected NCB, your bonus stays safe even if you make a claim for an accident judged to be your fault."

"Depending on the insurer, further claims may not be protected, but some may let you make more than one before reducing your bonus."

"You can check whether your quotes include protected NCB by looking through the list of policy features included under the 'more info' section of each quote."

Matt Crole Rees - Motor General Manager & Motor Insurance Expert
Motor General Manager & Motor Insurance Expert

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**Single annual policy. App only. Maximum claim limit. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.

What do I need to get a car insurance quote?

If it’s your first time getting a quote with us, you just need a few details:

Personal details:

Car details:

  • Registration number or make and model of the car
  • Any modifications you’ve made to your car
  • Estimated annual mileage

For the full list of what you'll need, see our guide on what you need to get a car insurance quote. If you’ve compared quotes with us before, you can log in to make things quicker. Your details should all be saved and ready. Just check they're all up to date.

Should I go with a specialist over-50s car insurance provider?

It depends on what you want from a policy. There are insurance providers that specialise in car insurance for over 50s, like Saga and Rias. These companies also typically offer specialist policies for over 60s and over 70s too.

Specialist companies generally offer additional policy features as standard, such as:

  • A 3-year fixed price, so you don't have to worry about your insurance cost increasing. That's as long as your personal circumstances don't change within the duration of your policy
  • No upper age limit, so while some mainstream insurers may impose their own limits, a specialist policy covers you no matter your age
  • Emergency any-driver cover, so anyone who holds a full UK driving licence can take over if you suffer a medical emergency during a journey
  • European cover, insuring you to drive in certain European countries for up to 90 days

But they may not be cheaper than a mainstream car insurance provider. Drivers in their 50s often have plenty of driving experience, a good no-claims discount and are, statistically, less likely to get into accidents than younger drivers. As long as you've got a good driving history, most insurance companies are likely to offer you cheaper car insurance. So, it's always worth comparing prices and policies.

We compare up to 201 trusted insurance companies1, including specialist over 50s insurers

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What policy extras should I get if I'm over 50?

The add-ons for over 50s are the same as for under 50s and depend on the provider you go with. Which extras you choose depend on what you need.

Options you could consider include:

  • Breakdown cover to help you get the assistance you need if your car breaks down
  • Courtesy car cover so you can still get around if your car needs repairs
  • No-claims bonus protection, which lets you make a certain number of claims without affecting your discount

Who is Confused.com?

  • We were founded in 2002 as the first car insurance price comparison website. Since then, we've helped millions of customers save money on their car insurance.
  • We compare up to 201 reputable car insurance companies. We're 100% independent and not owned by an insurance company, so the prices we show you are the best available based on the information you give us.
  • When you buy car insurance from us, you can choose a freebie with Confused.com Rewards**.
  • We are rated 4.5/5 and 'Excellent' on Trustpilot

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Need more help?

Do I need a health check to get over 50s car insurance?

You won't need a health check, but if you have any medical conditions that may affect your ability to drive you should declare them to your insurance company and the DVLA.

Health conditions that should be declared include, but aren't limited to:

  • Epilepsy
  • Diabetes
  • Parkinson’s disease
  • Heart conditions
  • Visual impairments
  • Strokes
  • Sleep apnoea

If you're involved in an accident as a result of a health condition that you haven't declared, your insurance may not pay out. You could also be at risk of a £1,000 fine.

Is there an upper age limit on car insurance?

No, there's no upper age limit. While some insurance companies do impose their own limits, they're usually for drivers in their 70s or older. So, these limits are unlikely to affect drivers in their 50s.

I'm over 50. Why hasn't my car insurance gone down?

Generally, the more driving experience you have, the cheaper your car insurance could be. But other factors might affect your price. If you’ve bought a new car, moved to a new area, or increased your annual mileage your insurance costs may go up. Automatic car insurance also tends to be more expensive than the same cover for a manual, so transmission type is something to think about too. Shopping around can help you find the best price for your insurance.

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