Is car insurance more expensive for the over-50s?
Your age plays an important part in how your car insurance is calculated.
On average, younger drivers pay some of the highest premiums, and then as you get older, car insurance costs decrease (at least compared to premiums paid by drivers of other ages).
However, this trend reverses once you reach your late sixties and seventies when premiums begin again to rise.
According to the most recent figures from the AA’s British Insurance Premium Index, drivers aged 70 and over pay approximately 39% more than drivers in their sixties.
This guide explains how over 50s car insurance works, what overs 50s car insurers include in their policies and which insurers offer the best over 50s car insurance.
What does over 50s car insurance cover?
When shopping around, you should consider as much of the market as possible. However, some insurers market their products specifically at older drivers - typically those over 50.
They won’t necessarily be your cheapest option, but generally speaking, they’ll have high maximum age limits, comprehensive cover levels and an emphasis on features that they think older drivers will value.
For instance, Saga and Age UK provide very generous levels of cover for driving overseas - a full year’s comprehensive cover for Saga and six months for Age UK.
Who offers the best over 50s car insurance?
Below, we’ve reviewed four of the main brands that offer over 50s car insurance. Which? members can login to see the results of our exclusive analysis of car insurers.
If you're not a Which? member, take a £1 trial to Which? Money for one month to unlock our reviews and experience the benefits of a Which? subscription.
Age Co (Formerly Age UK)
Age Co is a charity that supports older people. Its car insurance policy is provided by Ageas insurance.
It has one of the highest scoring car insurance policies in our most recent analysis, and stands out for charging no administration fees. It also offers six months of comprehensive cover for driving overseas.
- See our full review of Age UK here
 | Age UK car insurance - at a glance | ||||
|---|---|---|---|---|---|
| Min Age | Max Age |
Which? customer score Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand. |
Policy score Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score. |
Overall Which? score Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score. | Is it a Which? Recommended Provider? |
| 17 | No limit |
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RIAS
RIAS was launched in 1992 and its car insurance policy is provided by Ageas Insurance.
The policy offers £25m cover for liability, and provides a guaranteed courtesy car, as standard, for the duration of repairs. It sits comfortably in the middle of our policy score table.
- See our full review of RIAS here
 | Rias car insurance - at a glance | ||||
|---|---|---|---|---|---|
| Min Age | Max Age |
Which? customer score Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand. |
Policy score Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score. |
Overall Which? score Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score. | Is it a Which? |
| 25 | No limit |
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Saga
Saga provides a range of products and services focusing on the needs of customers over 50.
Its car insurance policy is provided by a panel of insurers. It stands out for offering a year’s worth of cover overseas, and a very high policy score.
- See our full review Saga here
 | Saga car insurance - at a glance | ||||
|---|---|---|---|---|---|
| Min age | Max age |
Which? customer score Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand. |
Policy score Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score. | Overall Which? score Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score. | Is it a Which? Recommended Provider? |
| 50 | No limit |
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The Post Office (over-50s policy)
The Post Office provides two policies - one for under 50s and the other for customers over 50.
Please note: The Post Office did not take part in our car insurance policy analysis this year. The scores below are from January 2019
 | The Post Office - at a glance | ||||
|---|---|---|---|---|---|
| Min age | Max age |
Which? customer score Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand. |
Policy score Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score. |
Overall Which? score Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score. | Is it a Which? Recommended Provider? |
| 50 | 115 |
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