Best car insurance for the over-50s 2026

Getting the best car insurance when you're over 50

Your 50s and 60s should be among your cheapest years for car insurance – provided you pick the right policy.

Yet as you get older, costs can begin to rise, and some insurers may entirely refuse to take you on.

Here we reveal the best insurers for older drivers and explain how to get cheaper cover.

Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of an insurer before committing to any financial products.

• Find out more: Best car insurance companies in the UK 2026

Best over-50s car insurance compared

Our table includes the car insurers for which we received customer scores and analysed their policies, ranked by standard policy score.

To sort by 'max age', click the arrows icon. To read more about these insurers, click the insurer name.

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Check Which? insurance ratings and compare deals using the service provided by Confused.com

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Best over-50s car insurance providers

• Other Aviva policies: Zero Essentials, policy score: 52%

Does car insurance get more expensive as you age?

Not for most of your life. Figures from Confused.com from late 2025 show that, generally speaking, getting older means paying less for car insurance; younger drivers typically pay the highest premiums, while those in their 60s pay the least. 

This is largely because younger drivers have less experience and are also most likely to claim. 

However, figures from the Association of British Insurers, which echo the same trend as in the chart above, also suggest that when drivers pass their 70s, premiums begin creeping up again – as does their tendency to claim and the average costs of claims they make. 

• Find out more: how to find cheap car insurance

What does over-50s car insurance cover?

Some insurers market their products specifically to older drivers, typically those over the age of 50.

Generally speaking, they will have high maximum age limits and emphasise features they think older drivers will value.

For instance, Saga provides very generous levels of cover for driving overseas – a full year's comprehensive cover – in its Select and Plus policies.

However, when shopping around, consider as much of the market as possible.

Don't feel you have to go for a specialist policy. In our analysis of standard car insurance policies, we found that:

• the average maximum age was 85
• three in 10 policies had a maximum age of 90 or higher, with policies from Moja and Saga having no maximum age.

Is over-50s car insurance cheaper?

Be warned: over-50s cover may not be cheaper than standard car insurance.

All insurers take numerous factors into account when setting your premium, not just your age. And with many more insurers offering standard policies than over-50s policies, there's more competition between standard providers.

If you're looking for the cheapest car insurance, you should seek quotes from different comparison sites, plus insurers that aren't on them, such as NFU Mutual.

Our guide to getting cheap car insurance includes everything from tweaking your cover to cut costs to haggling with your insurer.

• Find out more: is it worth getting life insurance over 50?

'You don't need an old-age car insurer'

Dean Sobers, Which? car insurance expert says:

Age plays a big role in the prices car insurers set for drivers. The youngest tend to pay the most. From there on, for much of your driving life, as a general rule of thumb, your age works in your favour. 

According to data from Confused.com, the lowest premiums are paid by drivers aged 60-69, who paid an average of £452 in Oct-Dec 2025. After this point, though, your age might mean your premiums begin to rise again.

You don't need a 'specialist' insurer to get lower premiums. True, these providers may have carefully researched what their target customers are likely to want in their insurance, but of course, there's much more to you than your date of birth. 

Think carefully about the cover you want, and make a list of these requirements. Then look around widely (comparison sites make this fairly easy) to find insurers that meet these needs for the most reasonable price.

• Find out more: finding cheap insurance

More on over-50s car insurance

How we analyse car insurance

Our editorial independence means we work on behalf of consumers, not insurers. Our reviews are fair, and there's no hidden agenda.

Customer score

This is based on a survey of 3,464 policyholders (adults of all ages) who have recently made a car insurance claim. The score reflects how satisfied customers say they are with their provider and how likely they would be to recommend it.

Insurers must receive a minimum of 40 customer responses to be included.

Policy score

This is our assessment of the quality of standard cover, comparing 94 elements of a policy. We weigh certain features of cover or costs (fees and excesses) based on the impact we think they generally make, from courtesy cars to replacement keys.

Among the highest-weighted elements are the insurer's guarantee on repairs, cover for glass damage, conditions of its no-claims discount, whether it'll provide a replacement vehicle, its fire, theft and accidental damage excesses, and interest rates charged for paying premiums in instalments.

We carry out this analysis every 12 months. The next update will be in January 2027.

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