Yes, but there are some companies that will only cover you up to the age of 75 years old.

When you pass a certain age it can be harder to find a policy and your premiums may start to go up. Use the table above to compare insurers that can cover over 80 year olds.

There are other things you can do to make sure you get the best cover:

Look for specialist providers

Some insurers specialise in insurance for older drivers by offering specific cover and competitively priced quotes. These policies can include:

  • Get you home service that covers emergency travel or accommodation if you are stranded after an accident or breakdown

  • Any driver cover that means someone else can take over driving in an emergency

  • Message relay service that will contact a friend or relative if you have an accident

Try not to pick a policy based on these extras alone though, make sure the deal you choose offers all the other cover you need too; this guide explains what is covered under a car insurance policy.

Ways you can keep the cost down

  • Shop around: Comparing lots of different quotes is one of the best ways to find the cheapest deal. Use the table above to find companies that offer cover to over 80s.

  • Drive fewer miles: When you apply think carefully about how many miles you drive during the year. The fewer miles you declare the lower you quote will be.

  • Drive safely: Maintaining your no claims discount if you have one is a great way to cut the cost of motor insurance; five or more years can mean a discount of up to 75%.

For more help, try these 10 ways to cut your car insurance costs.

Car insurance for over 80s FAQs


Why does car insurance cost more for over 80s?


Statistics show that drivers over 80 are more likely to be involved in a crash and suffer serious injury, so insurers charge more to cover the increased risk.


Is there a maximum age for car insurance?


Yes, many insurers set a maximum age on their policies, often between 70 and 110 years old. Some insurers do offer policies with no maximum age.


What happens when I pass the maximum age on my policy?


Nothing straightaway, but your insurer will not offer you a new policy when you are due to renew and you will need to look elsewhere for cover.


Can I get cheaper car insurance?


Yes, there are several things you can do to get cheaper cover. Try these 10 easy ways to cut your car insurance costs.


How often do I need to renew my driving licence?


Once you reach 70 years old, you must renew your licence every three years. You can renew online for free at GOV.UK.