Compare cheap over 50s car insurance quotes and save up to £500*

By David Gaylard
Last updated 22nd May 2024

Where do I get cheap over 50’s car insurance?

Luckily, if you are over 50 you have a better chance of getting cheaper car insurance based on your age, risk status and driving experience. You might think that SAGA and other specialists in over 50’s insurance are the way to go but you will be wrong. Better to get multiple quotes with Quotezone, Compare the Market and Go Compare to get the best deals. Click on ‘Get quotes’ to get started.

Comparison websites are the best starting point for getting the cheapest car insurance for over 50’s. There are lots out there and they are easy to navigate online so make sure you get as many quotes as possible to find the cheapest online. 

Once you have finished comparing click on the quote that you choose and finish completing the transaction on the insurance brokers websites. Or if you would prefer to do it by phone, request a callback or phone the insurers directly giving your reference number.

Cheap Over 50's car insurance

Why is car insurance cheaper for over 50’s?

Older or more experienced drivers are less likely to take risks on the road. On average you are more likely to have an accident if you are young than old.

The reward is cheaper insurance which is around half the price of a 21 year old premium. Other factors will affect the quote including, what car you choose to drive and your sex. Women tend to get cheaper insurance irrespective of age because they have less accidents than men and are more careful.

How can an older driver make car insurance cheaper?

Where you park your car and where you live will make a difference to premium costs. Drivers who garage their car rather than have it parked on the street can benefit from cheaper insurance. But this is not always practical and neither is choosing where you live, so another option is downsizing. 

It won’t come as any surprise that cars with smaller engines are generally cheaper to insure. You might even find that modern smaller cars have better security than the car you own which will get that premium looking easier to manage.

We ran a quote for a 2012 VW UP! 1.0l Take UP and the best premium price from 1st Central using Quotezone was £254.94 per year or £20.69 per month for a man living in Warwickshire with 10 years no claims, social only (May 2024).

Another option is telematics or black box insurance, but this is normally offered to high risk young drivers to temper their bad driving habits and might not make much difference to more experienced older drivers. 

Why are premium costs going up for over 50’s drivers?

You might have been surprised to find out that your renewal notice for your car insurance has gone up compared with last year. These upward trends seem to be happening because of inflation making the price of raw materials (paint, steel) and increased staffing costs more expensive. 

Rents are also more expensive, energy is more expensive and since Brexit, recruiting skilled staff has become more difficult. Added to that more cars are now being driven on UK roads since COVID and as a result there have been more accidents and more incidents created by extreme weather conditions (storms and flooding).

So it is not just people over 50 who are experiencing increased premiums. The average cost of Comprehensive insurance was £561 at the end of 2023 which was a third more than in 2022. There are stories of drivers having huge hike in insurance premium costs, which have in some cases resulted in them giving up driving completely.

The best way for you to avoid higher premiums is to shop around, try Quotezone and see what they come up with. Just click ‘Get quotes’ to get started.

Disclaimer: This information is intended for editorial purposes only and not intended as a recommendation or financial advice.


JobEstimate
Nissan Qashqai car insurance £52.79 per month
Black Box Insurance £80.73 per month
Ford Fiesta car insurance £45.00 per month
Volkswagen Polo car insurance £50.29 per month
Over 50's car insurance £20.69 per month
Vauxhall Astra car insurance £49.46 per month
BMW 3 Series car insurance £44.22 per month
Vauxhall Corsa car Insurance £51.39 per month
Ford Mondeo car insurance £62.95 per month
Young driver insurance £104.27 per month
Cheap car insurance £40.00 per month
Ford Focus car insurance £53.06 per month
VW Golf car insurance £52.75 per month
Convicted Driver Insurance £48.50 per month
Ford Kuga car insurance £75.00 per month
Over 50's car insurance estimated cost per month
Over 50's car insurance approximate cost in the UK per month
Location in UKOver 50's car insurance cost
Over 50's car insurance near Aberdeen£14.28
Over 50's car insurance near Bath£15.52
Over 50's car insurance near Birmingham£25.45
Over 50's car insurance near Blackburn£25.03
Over 50's car insurance near Blackpool£26.48
Over 50's car insurance near Bolton£20.69
Over 50's car insurance near Bournemouth£15.10
Over 50's car insurance near Bradford£17.17
Over 50's car insurance near Brighton£17.17
Over 50's car insurance near Bristol£19.03
Over 50's car insurance near Bromley£24.21
Over 50's car insurance near Cambridge£11.59
Over 50's car insurance near Canterbury£21.31
Over 50's car insurance near Cardiff£19.45
Over 50's car insurance near Carlisle£13.86
Over 50's car insurance near Central London£18.21
Over 50's car insurance near Central London£17.38
Over 50's car insurance near Chelmsford£22.55
Over 50's car insurance near Chester£14.48
Over 50's car insurance near Cleveland£20.07
Over 50's car insurance near Colchester£20.28
Over 50's car insurance near Coventry£26.90
Over 50's car insurance near Crewe£20.90
Over 50's car insurance near Croydon£26.90
Over 50's car insurance near Darlington£19.45
Over 50's car insurance near Dartford£24.21
Over 50's car insurance near Derby£28.76
Over 50's car insurance near Doncaster£22.97
Over 50's car insurance near Dorchester£15.31
Over 50's car insurance near Dudley£25.45
Over 50's car insurance near Dumfrues and Galloway£11.59
Over 50's car insurance near Dundee£16.14
Over 50's car insurance near Durham£18.00
Over 50's car insurance near East London£31.66
Over 50's car insurance near Edinburgh£15.72
Over 50's car insurance near Enfield£28.14
Over 50's car insurance near Exeter£16.55
Over 50's car insurance near Falkirk & Stirling£10.97
Over 50's car insurance near Galashiels£14.28
Over 50's car insurance near Glasgow£24.21
Over 50's car insurance near Gloucester£19.45
Over 50's car insurance near Guildford£20.07
Over 50's car insurance near Halifax£23.38
Over 50's car insurance near Harrogate£19.24
Over 50's car insurance near Harrow£21.72
Over 50's car insurance near Hemel Hempstead£24.41
Over 50's car insurance near Hereford£18.62
Over 50's car insurance near Huddersfield£26.07
Over 50's car insurance near Hull£21.72
Over 50's car insurance near Ilford£25.66
Over 50's car insurance near Inverness£10.55
Over 50's car insurance near Ipswich£21.31
Over 50's car insurance near Isle of Man£20.28
Over 50's car insurance near Isle of Wight£18.21
Over 50's car insurance near Kilmarnock£18.83
Over 50's car insurance near Kingston upon Thames£23.79
Over 50's car insurance near Kirkcaldy£17.59
Over 50's car insurance near Kirkwall£19.66
Over 50's car insurance near Lancaster£20.48
Over 50's car insurance near Leeds£16.35
Over 50's car insurance near Leicester£19.03
Over 50's car insurance near Lerwick£11.38
Over 50's car insurance near Lincoln£18.83
Over 50's car insurance near Liverpool£31.86
Over 50's car insurance near llandrindod Wells£12.62
Over 50's car insurance near Llandudno£16.35
Over 50's car insurance near Luton£31.86
Over 50's car insurance near Manchester£28.35
Over 50's car insurance near Milton Keynes£21.72
Over 50's car insurance near Motherwell£21.31
Over 50's car insurance near Newcastle upon Tyne£19.66
Over 50's car insurance near Newport£16.97
Over 50's car insurance near North London£22.55
Over 50's car insurance near North West London£24.83
Over 50's car insurance near Northampton£25.45
Over 50's car insurance near Northern Ireland£17.17
Over 50's car insurance near Norwich£16.55
Over 50's car insurance near Nottingham£26.90
Over 50's car insurance near Oldam£27.10
Over 50's car insurance near Outer Hebrides£14.90
Over 50's car insurance near Oxford£22.76
Over 50's car insurance near Paisley£17.17
Over 50's car insurance near Perth£15.52
Over 50's car insurance near Peterborough£20.28
Over 50's car insurance near Plymouth£15.93
Over 50's car insurance near Portsmouth£17.59
Over 50's car insurance near Preston£22.76
Over 50's car insurance near Reading£20.69
Over 50's car insurance near Redhill£21.31
Over 50's car insurance near Rochester£23.17
Over 50's car insurance near Romford£22.97
Over 50's car insurance near Salisbury£15.93
Over 50's car insurance near Sheffield£29.17
Over 50's car insurance near Shrewsbury£14.90
Over 50's car insurance near Slough£28.55
Over 50's car insurance near South East London£26.07
Over 50's car insurance near South West London£25.03
Over 50's car insurance near Southall£27.93
Over 50's car insurance near Southampton£18.62
Over 50's car insurance near Southend-on-Sea£21.31
Over 50's car insurance near St Albans£20.07
Over 50's car insurance near Stevenage£21.72
Over 50's car insurance near Stockport£27.10
Over 50's car insurance near Stoke-on-Trent£24.41
Over 50's car insurance near Sunderland£19.66
Over 50's car insurance near Sutton£25.86
Over 50's car insurance near Swansea£17.17
Over 50's car insurance near Swindon£17.79
Over 50's car insurance near Taunton£16.76
Over 50's car insurance near Telford£19.86
Over 50's car insurance near Tonbridge£21.31
Over 50's car insurance near Torquay£18.62
Over 50's car insurance near Truro£14.48
Over 50's car insurance near Twickenham£23.59
Over 50's car insurance near Wakefield£19.03
Over 50's car insurance near Walsall£24.21
Over 50's car insurance near Warrington£22.14
Over 50's car insurance near Watford£23.38
Over 50's car insurance near West London£24.21
Over 50's car insurance near Wigan£19.66
Over 50's car insurance near Wolverhampton£27.72
Over 50's car insurance near Worcester£18.41
Over 50's car insurance near York£20.07