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Car Insurance for Older Drivers

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Is car insurance cheaper for older drivers?

When calculating your premium, age is just one of the many factors that are considered by your insurance provider. For younger drivers this can be a problematic, but for those with potentially decades of experience behind the wheel, this can be rewarded with a reduction in your overall costs. This is not, however, always the case. For those with expensive or powerful cars, premiums can still be quite expensive. Similarly, as you get over the age of 70, prices can be seen to rise again.

Despite older driver car insurance being much cheaper overall, it is still worth shopping around. Even if you feel as though you have a great deal, you might find an even better one somewhere else.

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Why does age come into it?

Statistically speaking, drivers over the age of 50 are much safer drivers than those within the 17 to 25-year-old bracket. This is largely because of the experience that many have accumulated on the road by this point. It also, however, comes down to more simple statistics, such as those that are older tending to not drive at the times when most accidents happen as well as just driving less miles than those that are younger. This is why insurers regard those that are older as less of a risk and will tend to reflect this in their quotes. Find out more about how insurers understand age’s effect on premiums here.

Is it more difficult to get insurance as an older driver?

Older drivers shouldn’t find it too difficult to get insured, in general. For those that have been refused cover due to road-related criminal convictions or health conditions declared to the DVLA, things may be less simple. This goes for people of all ages though and just because you have been denied by one company does not mean that the same applies elsewhere. 

For drivers over the age of 70, you will need to reapply for your license every three years with a medical declaration. This is generally, however, quite an easy process.

Older Driver Insurance ComparisonFinding the right deal should still be a priority even if you have been offered what appears to be a good deal. Fill out our form above to find a quote that compares a wide range of insurers in a matter of minutes or contact us to find out more.

What is car insurance?

Having car insurance ensures you are covered financially if the worst were to happen to your car. This could be damage from an accident, theft, vandalisation and fire damage. It means you won't have to dig into your own pocket to pay for potentially huge repair or replacement costs.

Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of cover you must legally have is third-party car insurance. This would cover the damage to another person's car, for example in a collision accident, but provides limited cover for your own vehicle.

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How much does car insurance cost?

Car insurance is made up of an annual premium. This can be paid in a lump sum or monthly as a direct debit. There are many factors that come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums with Insuro. Get one of our quotesin a matter of minutes.

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