Car Insurance for
Over 65s

How much does car insurance cost for drivers over 65? Costs by region, what to consider at retirement, and how to keep your premium low.

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How much is car insurance for drivers over 65?

A driver aged 65 or over pays between £339 and £583 per year for car insurance in the UK, depending on where they live. That is around £35 higher than the 45 to 64 band on average, reflecting a small increase in age-related driving risk. Retirement often reduces annual mileage, which offsets much of that.

£339

Cheapest (Wales)

£583

Most expensive (London)

#	Region	Average premium
1	Wales	£339.37
2	South West England	£351.05
3	North East England	£369.18
4	Scotland	£388.91
5	East Midlands	£393.14
6	East of England	£397.60
7	Yorkshire	£405.02
8	South East England	£414.18
9	North West England	£421.03
10	West Midlands	£439.44
11	Northern Ireland	£520.85
12	London	£583.40

London is the most expensive region for over-65s at £583 a year on average, 72% higher than Wales based on Quotezone data. Northern Ireland is second most expensive at £521, notably higher than at younger ages, reflecting a smaller specialist insurer market.

Source: Quotezone Car Insurance Price Index, Q2 2026. Based on a random sample of 100,000+ UK car insurance policies, April to June 2026.

Why does car insurance rise slightly after 65?

The 65+ age band pays a national average of £419 a year, up from £454 in the 45 to 64 band. That is a small increase, but it reflects a slow rise in age-related driving risk that 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 still the second cheapest of the five UK age bands. Retired drivers typically drive fewer annual miles, which offsets much of the age-related risk premium.

Low-mileage policies and retirement driving

Retirement typically means no more daily commute. Many over-65 drivers cover 5,000 miles a year or less, well below the national average of around 7,500. Low-mileage policies can reflect that and price the premium accordingly.

Pay-per-mile or telematics. A small monthly fee plus a per-mile charge. Best value for very low mileage.
Standard policy with low-mileage estimate. Most standard policies price based on your annual mileage estimate. Update yours honestly at renewal to reflect retirement.
Occasional driver classification. Some insurers offer a specific occasional-driver rate for very low usage.

Whichever policy type you choose, update your insurer if your usage changes during the year.

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.

Compare every renewal. Do not auto-renew. Compare via Brumble to see prices from mainstream and specialist insurers. Compare quotes →
Try specialist over-50s and over-65s insurers. They often price better for older drivers than mainstream providers.
Update your annual mileage. If retirement has reduced your driving, your renewal quote should reflect it.
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.
Consider a lower insurance group car. Downsizing to a smaller, cheaper-to-insure car can bring the premium down noticeably.
Bundle home and car. A joint policy with the same insurer could reduce the overall cost.
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.
Pay annually. Monthly instalments could add interest to the overall cost.

Classic car insurance in retirement

Many over-65 drivers use retirement to enjoy a classic car for weekend runs, shows, and rallies. Classic car insurance is a specialist product designed for vehicles used infrequently and often at very low mileage.

Typical features of classic car insurance:

Low annual mileage limits. Often 1,000 to 5,000 miles a year.
Agreed value. The insurer agrees a market value up front, rather than depreciating a book value.
Salvage retention. You keep the car if it is written off, in exchange for a lower settlement.
Free breakdown cover. Often included for classic vehicles.

Specialist classic car insurers usually offer better prices and more appropriate cover than mainstream insurers for these vehicles.

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.

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How does car insurance change across age bands?

Prices fall from the 17 to 24 band all the way through to the 45 to 64 band, which is the cheapest in the UK. After 65 there is a small uptick due to age-related driving risk factors.

Source: Quotezone Car Insurance Price Index, Q2 2026. Based on a random sample of 100,000+ UK car insurance policies, April to June 2026.

Age	National average
17-24	£1,036.60
25-34	£821.62
35-44	£640.94
45-64	£453.85
65+	£418.60

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

Car Insurance Over 65: FAQs

Yes, but only slightly. The 65+ age band pays a national average of £419 a year, which is around £35 more than the 45 to 64 band. Age-related driving risk starts creeping in gradually from around 70.

Low-mileage policies and specialist over-50s insurers tend to be cheapest for retired drivers with fewer annual miles. Some providers specialise in over-65s and older drivers with tailored cover.

You must declare any medical condition that could affect your driving, at any age. This includes conditions that the DVLA requires you to notify them of. Failing to declare can void the policy.

There is no legal maximum, but many mainstream insurers set an upper age of 80, 85, or 99. Specialist providers cover drivers into their 90s and beyond. Comparing across specialist insurers is important for drivers approaching those age caps.

Your annual mileage often falls at retirement (no more daily commute), which can lower the premium. Tell your insurer at renewal so your quote reflects your new mileage estimate.

Yes. Classic car insurance is a specialist product tailored for vehicles used infrequently and often at low mileage. It typically costs less than a standard policy for the same car because usage is limited.

Yes. Loyalty pricing could cost older drivers as much as younger drivers. Comparing quotes at every renewal is one of the simplest ways to keep your premium down.

This is a personal decision based on health, confidence, and eyesight. The DVLA requires all drivers to renew their licence every three years from age 70. Your GP or optician can help you assess whether driving is still safe.

Car Insurance forOver 65s