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*iSelect does not compare all car insurers or policies in the market and not all policies or special offers are available at all times, through all channels or in all areas. Not all policies available from our providers are compared by iSelect and due to commercial arrangements and customer circumstances, not all policies compared by iSelect are available to all customers. Learn more.

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Updated 11/01/2024
What changed?
Reviewed by Toby Hagon and expert tip added.
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Fact checked
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.
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Written by

Francis Taylor

Updated 11/01/2024

What changed?

Reviewed by Toby Hagon and expert tip added.
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Edited by

Laura Crowden

Reviewed by

Toby Hagon

Find out more about how we make money.

View our Privacy Policy.

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Car Insurance for seniors

It might not be too often that you think having silver hair has a silver lining, but if you’re over 50 with a good driving history, you may find more competitive car insurance rates compared to some younger drivers.

Why might Car Insurance be cheaper for seniors?

Insurers may offer Car Insurance to seniors at a cheaper premium because seniors tend to be lower-risk and safer drivers. The age at which you’re classified as a senior varies across insurance companies but is typically at 50 or 60 years old.

How could seniors save on their Car Insurance policies?

 

No claims discount

icon of no claims discount for seniors Hopefully over the years you’ll have accrued a maximum no claims discount, the exact discount can vary between insurers, so check it out.

Listed drivers

icon of listed driver Be aware that listing young drivers on your policy can bump up your premium with some insurers. You could save by restricting your policy to drivers over a certain age.

Garage your car

icon of car safe in a garage A car which is securely garaged at night is safer from theft and other damage, so may attract a lower car insurance premium. 

Low mileage

If you’re driving less, you could be paying less. Check out low mileage or ‘pay as you drive’ style policies.

Helpful Tip:

A small change in your circumstances could make a big difference to how much you pay – plus you can check if you’re eligible for any discounts. So, speak to your insurer and ask them if you can add any low-kilometre or age-based discounts to your policy. And if not, it’s time to switch!

Expert Toby Hagon

Toby Hagon

How much is Car Insurance for seniors?

You can use our interactive chart to find out the average car insurance premium for iSelect customers over 60. Take a look at the price for each state and see how yours compares.

Frequently Asked Questions

What different types of Car Insurance are available for seniors?

What are the licensing requirements for senior drivers?

What is the best Car Insurance for seniors?

Are any discounts available for seniors?

How else can seniors reduce their premiums?

How does age affect my premium?

What is ‘pay as you drive’ insurance?

Can Car insurance cover my medical expenses if I’m injured?

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