Car Insurance for Older Drivers
Updated Sep 1, 2026 · Hannah Breckett · 5 min read
Premiums can rise after a certain age. Here is how to keep costs down.
What this article covers
Experienced drivers often enjoy low premiums, but prices can rise in later years.
Shopping around helps.
Ways to save
- Compare insurers, including specialists
- Reduce annual mileage
- Consider a higher excess
- Take a refresher driving course
Medical conditions
Some medical conditions must be declared to licensing authorities and insurers.
Licence renewal
In some countries licences must be renewed at certain ages. Check requirements.
Staying safe behind the wheel
Many older drivers adapt their driving as they age — avoiding night driving, rush hour, or unfamiliar routes — which can reduce risk. Regular eye tests, reviewing medications with a doctor for side effects like drowsiness, and choosing cars with good visibility and driver-assistance features help too. Some organisations offer driving assessments that give friendly, confidential feedback rather than a pass or fail.
Being honest with yourself and family about any changes in confidence or ability is an important part of staying safe.
This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.