Skip to main content
Skip to content
Back Back to Insurance menu Go to Insurance
Back Back to Saga Money Go to Saga Money
Back Back to Saga Magazine menu Go to Magazine

Over 60s car insurance

Enjoy new freedoms and plan for adventure with over 60s car insurance
Get a quote Retrieve a quote Contact us

3-year fixed price* over 60s car insurance for your changing priorities

*If nothing changes, T&C apply.

Car insurance for over 60s can often be found from specialist providers who take your changing needs into account, as with Saga’s car insurance policies. If you’re planning to retire, to spend more time visiting friends and family, or simply to make more of your free time, you’ll want to find the best car insurance for over 60s to support your new priorities.

Is car insurance for over 60s cheaper?

Drivers in their 60s are often considered to be the safest drivers on UK roads. As a group this means that over 60s car insurance can work out cheaper than for other ages.

But the actual cost of your cover will depend on a number of factors that are specific to you, your car and your driving history.

You can help to keep costs down by choosing the car you drive from a lower insurance group, increasing your voluntary excess and making sure your car has appropriate security in place.

The best value car insurance for over 60s is not always the cheapest on the market, you need to consider the full package of benefits and additional options that are most relevant to your needs.

Find out more about over 60s car insurance

What extras should I consider with over 60s car insurance?

With changing priorities, some additional options on over 60s car insurance may make some policies more attractive.

With Saga’s over 60s car insurance you can choose from a number of additional extras such as discounted breakdown assistance, legal protection, replacement car extension, increased personal accident and key protection.

If you choose our top cover level, Saga Plus, the policy comes with legal protection, accident healthcare cover, onward taxi travel and key protection, as standard.

Saga has been named as a Which? Recommended Provider of car insurance for 2022. Consumer champion Which? only endorses the best products and services. As a completely independent organisation, the granting of Which? Recommended Provider status truly reflects what they think – not what someone else wants them to say.

Find out more about additional cover options for our over 60s car insurance.

How is over 60s car insurance calculated?

Over 60s car insurance quotes are based on the information you provide to the insurer. We’ll want to know more about you so that we can understand the risks better.

We’ll ask about:

  • Claims history – the more claims you make, the more it affects future premiums.
  • No Claim Discount – if you haven’t claimed on your car insurance, your premium could be discounted.
  • What car you drive – the cost of insurance depends on which insurance group your car falls into based on its value and performance.
  • Where you live – we check to see if your postcode area is a higher risk for car insurance claims.
  • Where you keep your car – if your car is kept in a garage or on a private driveway when you aren’t driving it, your premium could be lower.

We use this information to work out the level of risk you present to us, and then calculate over 60s car insurance quotes based on this combination of market information and your personal circumstances.

Will my health affect getting car insurance for over 60s?

As long as you’re well enough to get behind the wheel and aren’t affected by any medical conditions that prevent you from driving safely, you can still get insured to drive, subject to our usual terms and conditions.

We don’t have an upper age limit on our car insurance policies, and there’s no maximum legal age for driving in the UK. Over 60s car insurance will make sure you are fully insured to drive as long as you are fit enough to do so.

You should be aware that some medical conditions will affect your eligibility to drive, and you will need to tell your insurance provider and the DVLA if you are affected. If you aren’t sure which conditions are listed, visit the government website to find out more.

Failing to tell your insurance provider or the DVLA may mean your insurance is invalid, and you could even face prosecution if involved in an accident while uninsured.

Is car insurance cheaper when you retire?

When your personal circumstances change, such as when you retire, this can affect the way we calculate your insurance premium.

If you had a long commute when you were working but will be staying closer to home when you retire, having a lower mileage or no longer needing business car insurance could mean lower costs when you renew.

You should always make sure that your details are as up to date as possible when you are looking to change or renew your policy, as well as keeping your current insurance provider updated about any changes you are making.

How to get a quote for over 60s car insurance

You can get over 60s car insurance quotes online. You’ll get an instant price and the quote will also be emailed directly to you with details of the policy for you to check over, along with how much it will cost you.

To get an accurate quote you need to have information about yourself, your car and your driving history ready to go, and you’ll see just how much over 60s car insurance will cost based on your particular needs.

Our policies are underwritten by several different insurers. We handpick these companies very carefully, and make sure they have the same high standards of quality and service as we do. If you buy a policy from us you’ll see the name of the underwriter in your policy documents.

Get a quote for over 60s car insurance