If you're over 50, your car insurance price can still vary widely between providers. Even with years of experience, insurers may price risk differently depending on your vehicle, mileage, location, and personal circumstances.
Reviewed by MySupermarketCompare Editorial Team
This guide is for UK drivers aged 50+ who want to:
If you're renewing soon or changing car, this page helps you understand the main pricing drivers and how to compare effectively. As you've progressed through earlier age brackets like drivers over 25, you may notice how insurers price experience and age differently.
Even for experienced drivers, insurers may consider factors like:
The car you drive (insurance group, repair costs, performance) affects your quote.
Annual mileage and how the vehicle is used (social, commuting, business).
Your postcode and where the car is kept overnight can influence pricing.
Claims history and convictions (including recent ones) are factored in. Your no claims bonus from years of claim-free driving can help, though any penalty points may affect your quote.
Comprehensive vs third party options, plus your chosen excess level.
Additional drivers on the policy, start date, and renewal timing.
Comparing quotes helps you see how different providers price the same details.
These general tips can help many drivers over 50:
Don't rely on one renewal quote. For additional cost-saving strategies, see our guide to cheaper car insurance.
If you're changing car
Be accurate, not optimistic
Only if affordable
Job title, address, etc.
Keep what you need, remove what you don't
Only if they genuinely drive the car
If you prefer spreading the cost, many insurers offer monthly payment options, though paying annually often works out cheaper overall if you can afford the upfront cost.
Many assume insurers offer significantly lower rates once you pass 50, but pricing is more nuanced. Here's what typically factors in:
Selecting cover based only on price without checking excess and exclusions
Forgetting to declare changes (address, mileage, convictions, modifications)
Over or underestimating annual mileage
Not reviewing optional extras at renewal
Assuming the renewal quote is always the best available option
Start your quote online now and view options available from UK providers.
Start a Quote in 2 Minutes →This page was created to help UK drivers over 50 understand what can affect car insurance pricing and what to consider when comparing quotes. It is reviewed for clarity and updated as needed to stay accurate and useful.
MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice. MySupermarketCompare.com is an Introducer Appointed Representative (IAR) of Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 313860). The insurance comparison service is provided by Seopa Ltd. Always read policy terms and conditions before purchasing. Individual outcomes and premiums vary based on personal circumstances.
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