Over-60s car insurance

Yes, car insurance is generally cheaper for older drivers than for the young. But exactly how old you are does affect things: for example, people aged over 60 typically pay £355³ for car insurance – that's £43 less than over 70s⁶.

Here's what different age groups typically pay:

Government figures published in September 2025 also show that older drivers are less likely to be in serious or fatal collisions compared to younger drivers, where speeding is a contributory factor.

Cheaper premiums aren't a given, though. Some older drivers – for example, those aged over 80 – may be considered higher risk by insurance providers and therefore see higher premiums.

Drivers across all age groups with 10+ years' no claims discount (NCD) tend to pay £1,240 less for their insurance than those with no NCD⁸.

The longer you stay claim-free, the more you save.

You might be able to reduce the cost of your car insurance by:

• Choosing a car in a low insurance group

• Improving your car’s security by fitting an industry-approved alarm or immobiliser

• Reducing your annual mileage or making sure the mileage you put down on the policy is up-to-date as you may now drive fewer miles

• Increasing your voluntary excess (but make sure you can afford to pay it as well as any standard excess if you need to make a claim)

• Paying up front for your annual insurance. According to our data, people who pay monthly typically pay £225 more than those who pay a single annual sum⁷

• Carefully considering which extras you really need.

Your health could affect the cost of your premiums – for example, having diabetes, a heart condition or glaucoma can all affect your driving capability.

If you have a medical condition that affects your ability to drive, you must tell the DVLA and your insurance provider. This may affect the price you pay for your car insurance.

The DVLA can issue a restricted period licence lasting for one, two, three or five years. Here's how a restricted period licence could affect your premium:

You probably won’t need a medical if you’re fit enough to drive safely.

But you will need to tell your insurance provider about any medical conditions that might affect your driving. If you don’t, your policy will likely be invalid.

You must also meet the DVLA’s minimum eyesight requirements.

This includes wearing your glasses or contact lenses every time you drive if you need them to meet the ‘standards of vision for driving’.

A regular eye check can help make sure you meet the required standards.