When you reach your 50s you will be in one of the cheapest age groups for car insurance, but you should still never accept the first quote you find.
Compare as many quotes as you can
This is the best way to find the cheapest deal; you can use our table to get quotes from insurance companies that offer cover to drivers over 50 years old.
You could find yourself out of pocket in the future if you do not get the level of cover you need, so do not buy your policy on price alone.
For example, if you choose a third party, fire and theft policy you would not be covered for any damage to your car in an accident that was your fault, so you would need to pay for your repairs yourself.
Other ways to pay less
If you want to cut the cost even more you can look at:
Paying upfront: Paying in one go will usually work out cheaper than paying in instalments because most insurers add interest of up to 30% for paying monthly.
Multi car insurance: You get a discount for covering two or more cars with the same insurer. Here is how multi car insurance works, and you can compare policies here.
Try these 10 ways to cut the cost of your car insurance for more help reducing your premium.
Should you pay for extra cover?
Customising your policy with extra benefits will increase the cost, but it can improve your cover.
Some of the extras you can add include:
Cover for driving abroad
No claims protection - here is how no claims can save you money
Cover for lost or stolen keys
Breakdown cover, although it can be cheaper to get this separately
Here are more details on all the car insurance extras that could be worth having.
Think about whether the extra cover is worth the additional cost, or find a policy that offers these extras as standard.
Over 50 car insurance FAQs
Does car insurance get cheaper when I turn 50?
It should become cheaper as you get older and more experienced. There are many factors that determine the cost of car insurance.
Can I get more quotes when I am 50?
Yes, because you will be able to get quotes from specialist over 50s insurers, who could offer cheaper pemiums.
Is it cheaper to pay annually or monthly?
Paying annually in one go will usually work out cheaper because if you pay monthly you will be charged interest of up to 30%.
Should I protect my no claims bonus?
It could be worth paying to protect your bonus because losing it by making a claim could mean a huge increase in the cost of your cover when you renew.
Can I drive other cars?
If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this.
Do I need added extras?
Check what comes as standard with your policy before you add extras like breakdown cover. Here is how to work out which extras you might need.
Am I covered to drive in Europe?
Yes, all car insurance policies give you third party cover to drive in Europe. You can usually extend your cover; find out how to add European cover here.
About our car insurance comparison
Who do we include in this comparison?
We include over 50s car insurance policies available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.
How do we make money from our comparison?
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.