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Over 65s

Does Car Insurance Go Up After 65?

On average, no. The 65+ age band pays a national average of £427 a year, the cheapest of the five UK age bands and £43 less than the 45 to 64 band, based on Quotezone data. Northern Ireland is the exception: drivers aged 65 and over there pay more than drivers aged 45 to 64, at £526 against £491. Individual premiums can still rise at older ages, as age-related driving risk becomes more noticeable in your 70s and 80s.

Insurers look at three main age-related factors after 65:

• Reaction time and eyesight. Both change gradually with age. Any DVLA-notifiable condition must be declared.
• Recovery time after an accident. Older drivers can take longer to recover, so injury claims can be higher.
• Insurer age caps. Some mainstream insurers cap policies at 80 or 85, which reduces competition and can push prices up.

Even with those factors, the 65+ average premium is the cheapest of the five UK age bands. Retired drivers typically drive fewer annual miles, which offsets much of the age-related risk premium.

How to keep car insurance over 65 low

Over-65 drivers can often shave meaningful amounts off their premium by choosing the right insurer and updating a few details at renewal.

1. Compare every renewal. Do not auto-renew. Compare via Brumble to see prices from mainstream and specialist insurers. Compare quotes →
2. Try specialist over-50s and over-65s insurers. They often price better for older drivers than mainstream providers.
3. Update your annual mileage. If retirement has reduced your driving, your renewal quote should reflect it.
4. Protect your NCB. A lifetime of NCB could be worth up to 60% off the premium. Protecting it against a single claim is usually a small cost.
5. Consider a lower insurance group car. Downsizing to a smaller, cheaper-to-insure car can bring the premium down noticeably.
6. Bundle home and car. A joint policy with the same insurer could reduce the overall cost.
7. Raise your voluntary excess. Increasing your voluntary excess may lower your premium. Choose an amount you could afford to pay if you needed to make a claim.
8. Pay annually. Monthly instalments could add interest to the overall cost.

Medical declarations and DVLA renewals over 70

From age 70, the DVLA requires all drivers to renew their driving licence every three years. The renewal includes a self-declaration of any medical conditions that could affect driving.

Common notifiable conditions include:

• Diabetes treated with insulin.
• Epilepsy or seizures.
• Some heart conditions.
• Sight problems (loss of vision in one eye, glaucoma affecting driving).
• Recent strokes.

Any condition you declare to the DVLA must also be declared to your car insurer. Failing to declare can void the policy and result in claims being refused. If you are unsure whether a condition needs to be declared, check the GOV.UK medical conditions guide.

How does car insurance change across age bands?

Source: Quotezone Car Insurance Price Index, Q3 2026. Based on a random sample of over 100,000 UK car insurance quotes.

See how prices change: over 25, over 35, over 50s.