Over-70s car insurance

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Is it possible to find cheap car insurance quotes for over 70s?

Yes. Overall, car insurance premiums tend to reduce as you get older, though our data shows that they do begin to rise again a little once you're in your 70s.

Here's how typical quotes change across age groups:

Age	Estimated annual comprehensive quote
17-24	£1,340³
Over 50s	£369⁴
Over 60s	£355⁵
Over 70s	£398⁶
Over 80s	£545⁷

According to the Department for Transport, older drivers are statistically less likely to be involved in car accidents than younger motorists who are still learning or have just got their licence. This lower risk is typically reflected in car insurance costs.

As the figures above show, you could still bag significant savings for your extra years of driving experience.

What should I consider as an over 70s driver?

Driving licence renewal

When you reach 70, your driving licence will automatically expire. Read our simple guide to find out how to renew your driving licence after age 70.

Medical conditions

You’ll need to tell the DVLA and your insurance provider if you have any medical conditions. If you don’t declare something that could affect your driving, it might invalidate your policy.

You could be fined up to £1,000 if you don’t tell the DVLA about a medical condition that affects your ability to drive safely. You could even face prosecution if you have an accident as a result of your condition.

A medical condition doesn’t automatically mean you’ll be banned from driving, but you may have to take a driving assessment course to prove you’re still a safe driver.

Depending on your condition, you may also be given a restricted licence. Your premium could increase if your provider thinks the condition makes you a higher risk.

Below are the estimated annual premiums based on the type of restricted licence³:

DVLA aware – no restrictions: £456
DVLA aware – 1 year restricted licence: £515
DVLA aware - 2 year restricted licence: £515
DVLA aware – 3 year restricted licence: £444
DVLA aware – 5 year restricted licence: £481

Advanced driving assessment

Driving today is far more hectic than it used to be. If you feel like you’ve lost some of your confidence, an advanced driving course could reassure you that you’re still a safe driver. Or it could simply help you brush up on your driving skills.

Organisations including the Royal Society for the Prevention of Accidents (RoSPA) and IAM RoadSmart offer mature driver assessments. These assessments are relaxed and focus on familiar routes. They can provide invaluable feedback to help boost your confidence and safety on the road.

Eyesight tests

If you’re about to turn 70 and renew your driving licence, it’s a good time to check that you still meet the legal standards of vision for driving. Over 60s can get a free eyesight test from the NHS. They can advise if you need to get glasses or change your prescription to drive safely.

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How can I get the cheapest car insurance for over 70s?

We've got plenty of top tips that could help you find a cheaper car insurance quote.

Compare quotes

Limit your annual mileage

Buy a car in a lower insurance group

Increase your voluntary excess

Take out a telematics policy

Build your no-claims discount

Pay for your car insurance annually

Take out a pay-as-you-go policy

Improve your car’s security

Is there telematics car insurance for drivers over 70?

Telematics (or black box) insurance, monitors the way you drive through an app or small device fitted to your car. The device sends the information directly to your insurance provider.

If you’re a safe and sensible driver, you could be rewarded with cheaper car insurance.

Black box policies are available to all age groups, but they may not be as cost-effective for older drivers.

According to our data, over 70s typically pay around £398per year for a standard comprehensive policy⁶. Whereas, the premium could end up being nearer £524 for telematics cover – so it's quite a large difference⁸.

But remember that everyone's circumstances are different. So it's always worth comparing all your options to make sure you're getting the best deal for you.

What our expert says...

“Car insurance premiums can start to rise for over 70s. It’s worth bearing in mind that the cheapest price may not always give you the level of protection you need. Make sure the policy you take out provides all the cover and extras you require, so you can drive with confidence.”

Amy Rootham, Insurance expert

More tips for experienced drivers

Find out more about driving safely, including licence renewals and how your mileage can impact your insurance.

Policy & cover

Is my car insured?

Here's how to quickly check whether a car has a valid policy

Driving tips

Is there a driving age limit in the UK?

Discover the key rules and how to stay safe on the road

Driving tips

How to renew your driving licence at 70

Find out why you need to renew and see our step-by-step guide

Cost & savings

The effects of annual mileage on car insurance

Find out more about how mileage affects the cost of cover

All car insurance guides

Car insurance group checker

Check your car's insurance group and how it could affect your premium

FAQs

Do older drivers need a specialist insurance provider?

Although it’s not necessary, you might find that a specialist insurance provider for older drivers offers benefits and options that a standard provider doesn’t.

Specialist policies can include:

Emergency any driver cover – someone else with a full licence could take over driving in the event of a medical emergency.
Onward taxi travel – can get you to where you need to be, if your car is too damaged to drive after an accident.
Voluntary work – cover if you use your car to volunteer for a registered charity.
Longer cover in Europe – cover for extended trips in Europe, so you can make the most of your retirement.
Driver confidence courses – to cover the cost of coaching if you start to lose confidence on the road.

Is there a maximum age limit for car insurance?

There isn’t a legal maximum age for car insurance, although some providers set their own upper age limits.

What medical conditions could affect my driving?

You must declare any medical condition that could affect your driving to the DVLA. These include, but aren’t limited to:

Diabetes
Epilepsy
A stroke
Visual impairments
Heart conditions.

You can check if you need to tell the DVLA about your medical condition.

What extras could I consider adding to my over 70s car insurance?

You can add various optional extras to your over 70s car insurance, including:

Breakdown cover – to get you back on the road if you break down.
Legal expenses – could pay for legal costs resulting from a car insurance claim if the accident wasn’t your fault.
Courtesy car cover – use of a car if yours is written-off or needs repairs.
Personal accident cover – offers financial protection if you or your family are seriously injured or killed in a car accident.
No claims discount protection – worth considering if you’ve built up a large no claims discount over the years.
Lost keys cover – can cover the cost of replacing or reprogramming car keys.

Some over 70s policies may include some of these benefits as standard, so it’s worth comparing your options.

Do I have to tell my insurance provider when I retire?

Yes, it is important to keep your insurer updated if your personal circumstances change, as this may have an impact on your cover. Your job title can also influence the cost of your over 70s car insurance, so it is worth making sure your details are accurate.

Employment status	Estimated annual premium⁷
Employed	£598
Self-employed	£665
Retired	£359

Updating your policy will not only protect you if you need to make a claim. It could also get you a discount if, for example, you’re driving less than you used to.

Reviewed 23 Jul 2026 by Amy Rootham Insurance expert

Amy helps make sure you get the best value when choosing insurance. Thanks to more than four years’ experience at Compare the Market, she understands what people look for, working closely with insurance providers to offer you deals and services that are fair, easy to understand and right for your needs.

Methodology

¹Correct as of June 2026.

² Based on the % of respondents familiar with Compare the Market reporting they love the brand in the last 12 months vs. other leading PCWs. Source: Savanta BrandVue Financial Services, National Representative Survey of 9,772 respondents (June 2026)

³ 51% of young drivers between 17-24 years old could achieve a quote of up to £1339.58 for their car insurance based on Compare the Market data in June 2026.

⁴ 51% of over 50s could achieve a quote of up to £368.93 for their car insurance based on Compare the Market data in June 2026.

⁵ 51% of over 60s could achieve a quote of up to £354.48 for their car insurance based on Compare the Market data in June 2026.

⁶51% of over 70s could achieve a quote of up to £397.01 for their car insurance based on Compare the Market data in June 2026.

⁷ Based on 51% of customers who compared quotes for this type of policy in June 2026.

⁸ Based on Online independent research by Consumer Intelligence during June 2026, 51% of customers aged 50+ could achieve this saving on their car insurance through Compare the Market.