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. The typical over 70s' car insurance cost is £357³.

The only age group that pays less is the over 60s, whose premiums are £35 cheaper.

Here's how much you might save each year compared to lower age groups:

Age	Typical annual insurance cost	Comparative saving for over 70s³
17-24	£1,363	£1,006
30-39	£563	£206
40-49	£490	£133
50-59	£391	£33
60-69	£322	-£35

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.

This means, as you can see above, you could 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

When you compare car insurance quotes with Compare the Market, we’ll display your results from cheapest to most expensive, so you can decide which policy works best for you.

Limit your annual mileage

If you’re driving less due to retirement, shorter working hours or any other reason, your lower annual mileage could help cut the cost of your car insurance. Just remember that you must be honest about how many miles you’re driving.

Buy a car in a lower insurance group

Typically, the lower the insurance group a car is in, the cheaper your insurance will be.

For example, you could typically save £136 a year insuring a car with an engine under 1 litre, compared to an engine between 2.0-2.4 litres³.

Increase your voluntary excess

Choosing to pay a higher voluntary excess can help reduce the cost of your insurance. Just make sure that you could afford the excess if you need to make a claim.

To give you an idea, drivers aged between 70 and 70 typically save £26 by choosing to include a £50 voluntary excess compared with opting not to have one³.

Take out a telematics policy

Telematics (black box) insurance is where a device in your car or app on your phone monitors your driving – and it's not just for young drivers.

A black box policy is worth considering at any age, as demonstrating that you're a safe driver can lead to lower premiums over time.

Build your no-claims discount

The longer you go without claiming on your car insurance, the more no-claims discount (NCD) you'll build up.

One plus that drivers in their 70s have is that they're likely to have a fair few years of NCD built up. This could help reduce the cost of your insurance when you renew.

Pay for your car insurance annually

If you can afford it, paying your car insurance annually could save you money, as you’ll typically pay interest on monthly instalments.

In fact, drivers who pay annually save around £225 compared with those who pay monthly.

Take out a pay-as-you-go policy

If you find you’re not driving as much as you reach your 70s, a pay-as-you-go (PAYG) car insurance policy could be a good fit for you. With this type of policy, you can pay by the mile or hour.

Improve your car’s security

Installing an immobiliser improves your car’s security and can make it less attractive to thieves. This could make your car insurance cheaper.

What's more, parking your car securely overnight can also help you save on your premium.

Drivers in their 70s typically pay £32 less a year by parking on their drive instead of on the street³.

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.

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.

Retired drivers typically pay £239 less for their insurance than employed motorists, and £306 less than the self-employed³.

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 18 Sept 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 Based on 51% of customers who compared quotes for this type of policy in August 2026.

⁴ Based on 51% of customers who compared quotes for this type of policy in June 2026.

⁵ 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.