Over-70s car insurance

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

Yes, you could find cheap car insurance for over 70s with us. Generally, premiums tend to reduce as you get older. Drivers in their 70s typically pay £357³.

The only age group that pays less is the over 60s, whose premiums are typically £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 cheaper car insurance, as you can see above.

What should I consider as an over 70s driver?

Driving licence renewal

Your driving licence will automatically expire at 70. You’ll need to renew it every three years from that point if you want to keep driving.

You can renew your licence online or fill out the form the DVLA will send you 90 days before your 70^th birthday.

For more information, 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 because 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 licence⁴:

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

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.

You could save up to £485 by shopping around for car insurance through us⁴.

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.

Our data shows that drivers in their 70s who do 1,000-1,999 miles a year pay around £76 less than those who do 7,000-7,999 miles³.

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 (the amount you agree to pay towards a claim) can help reduce the cost of your insurance.

To give you an idea, over 70s typically save £26 by adding a £50 voluntary excess compared with opting not to have one³.

Just make sure that you could afford both the voluntary and compulsory excess if you need to make a claim.

Protect your no-claims discount

As an older driver, you’re likely to have several years of no-claims discount (NCD) built up.

Your NCD can help you save more on car insurance, so it might be worth paying a little extra to protect it and keep your premiums low if you need to make a claim.

According to our data, drivers in their 70s with 20 years’ NCD can save up to £110 compared to those with just three years’ NCD³.

Just double-check how much it costs to protect your NCD to make sure it doesn’t outweigh potential savings.

Pay for your car insurance annually

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

Our data shows drivers who pay in one go pay around £225 less than those who pay monthly³.

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, which could work out cheaper than annual cover.

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 could save £32 by parking on their drive instead of on the street³.

Don’t worry if you don’t have a drive – try to park as close to your home as possible or in a secure, monitored car park.

Is there telematics car insurance for drivers over 70?

Yes, there is telematics car insurance for over-70s drivers. Black box policies are available to all age groups, but they may not be as cost-effective for older drivers.

Telematics 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.

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...

“While car insurance is fairly low in later life, it can rise by around £35 between your 60s and 70s³. It’s worth checking exactly what each policy includes, as 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 that suit you, so you can drive with confidence. Add-ons you might find helpful include personal accident, legal and breakdown cover.”

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

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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?

No, older drivers don’t necessarily need to get insured with a specialist provider. However, you might find that they offer tailored benefits and options that standard providers don’t.

That 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?

No, 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 car insurance than employed motorists, and up to £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.

Will declaring a medical condition stop me from driving?

No, declaring a medical condition won’t automatically stop you from driving.

The DVLA will review your condition and could ask you to have a driving assessment, accept a restricted licence or, in some cases, stop driving for a while.

Not declaring a medical condition that affects your driving could invalidate your insurance and lead to a fine.

Will my car insurance be unaffordable now that I’m 70?

No, your car insurance shouldn’t be unaffordable in your 70s. People typically pay £357 – only slightly more than the £322 over 60s tend to pay, and far less than younger age groups³.

But your actual price depends on things like what car you drive, your claims history and medical conditions. Comparing quotes each year can help you find an affordable policy.

Will I need to give up my driving if my health changes in my 70s?

No, you don’t necessarily need to give up driving. Many health changes don’t affect your ability to drive safely, and many drivers keep their licence well into their 80s and beyond.

If a change in your health affects your driving, you’ll need to tell the DVLA. It may ask you to have a driving assessment or give you a restricted licence rather than stop you from driving.

You’ll also need to update your insurer, as this could affect your premium.

Reviewed 06 Oct 2026 bySam WilsonInsurance expert

Sam Wilson is Head of Commercial Finance at Compare the Market and one of our core insurance experts on motor, home, van, motorbike and pet insurance products.

With over seven years at Compare the Market, Sam has a detailed understanding of how customers shop for insurance, what drives differences in premiums, and how small changes — such as shopping around at renewal or reviewing cover — can make a meaningful difference to what people pay.

Sam regularly comments in national and trade media on insurance costs, value for money and consumer savings, helping people understand how to get a good deal without focusing on price alone.

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.