Best car insurance for the over-50s 2025

Getting the best car insurance when you're over 50

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

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

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

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

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Best over-50s car insurance compared

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

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

Best over-50s car insurance providers

NFU Mutual car insurance

• Maximum age: 80
• Policy score: 75% on its standard car insurance policy - 5th of 76 policies we rated
• Customer score: 85% - 1st out of 19 insurers we had customer scores for
• Claims score: 87% - 1st out of 19 insurers we had claims scores for

We like: It doesn't charge admin fees or interest if you want to pay monthly. It's been a Which? Recommended Provider since we launched our scheme in 2010.

We don't like: You have to call to get a quote, and it favours customers in rural areas so it may not offer cover if you live in a major city.

Read our expert review of NFU Mutual. 

LV car insurance 

• Maximum age: 110
• Policy score: 77% on its standard policy - joint 1st of the 76 policies we rated
• Customer score: 71% - 2nd of the 19 insurers we had customer scores for
• Claims score: 76% - 2nd out of 19 insurers we had claims scores for

We like: Of all the policies we rated, LV's policy had the fewest 'gaps' in its cover - scoring three or more stars out of five across 86% of policy areas checked. It also offers protection for no-claims discounts against an unlimited number of claims.

We don't like: A replacement car after an accident doesn't come as standard - you have to pay extra.

Read our expert review of LV car insurance. 

Does car insurance get more expensive as you age?

We asked comparison Go.Compare for average cost of comprehensive car insurance sold through their site:

It suggests that drivers from 55-74 should expect to get among the lowest premiums of any age group. 

But once you hit 85, you could end up paying more than someone in their 20s, which makes it vital to shop around.

• 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 emphasize 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 88
• One in five policies had a maximum age of 100 or higher, with policies from Moja, Saga and Sainsbury's Bank 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 GoCompare, the lowest premiums are paid by drivers aged 65-74, with these drivers paying an average of £350 in Jan-Sept last year. Prices do, however, tick up for those aged 75 and over - with the data showing these paying £461 on average.

'You don't need a "specialist" insurer to get lower premiums. True, these providers may have carefully researched the sorts of things their target customers probably 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 are able to work on behalf of consumers, not insurers. That means our reviews are fair, and there's no hidden agenda.

Customer score

This is based on a survey of 4,719 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 79 elements of a policy. We weight 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, fire, theft and accidental damage excesses, and interest rates charged for paying premiums in instalments.

We carry this analysis out every 12 months. The next update will be in January 2026.

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