Seniors car insurance for over 60s

Best car insurance for seniors

To determine our top picks, we requested quotes from 37 different car insurance brands, using the fictional profiles of various 60-year-old drivers.

• Top pick for value: Budget Direct car insurance
• Top pick for price: Bingle car insurance
• Top pick for features: Youi car insurance
• More car insurance policies for seniors: Compare all

Top pick for features: Youi Comprehensive car insurance

Why we selected Youi:

• Youi earned the highest features score in Finder's 2023 Car Insurance Awards.
• It's the only insurer we found that offers roadside assistance as standard.
• Youi has great customer service, it scored 4.38/5 in Finder's customer satisfaction awards.
• The cost of a hire car is covered as standard after insured events.

• Youi's quotes for 60-year-olds were among the cheapest, but younger drivers generally paid more. If you're sharing your car, your premium might be pricier.

• Why we selected Youi

  Youi comprehensive car insurance was selected as the top pick for features because it won the Features award in the 2023 Finder car insurance awards. It won because it offers more features in its standard policy than most other insurers, yet remains comparatively cheap.

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Top pick for value: Budget Direct Comprehensive car insurance

Why we selected Budget Direct:

• It was winner of Finder's Best Value Car Insurance Award for 2023.
• Its Hail Hero service can help you avoid storm and hail damage.
• It has a combination of strong benefits, at an affordable price point.
• You get 15% off your first year's premium when buying online.

• The best value category considers both price and features. If you just want a cheap cover, Bingle was typically cheaper.

• Why we selected Budget Direct

  We selected Budget Direct as the top pick for value because it won the 2023 Finder car insurance award for value. This means it was rated highly in terms of features and price.

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Top pick for price: Bingle Comprehensive car insurance

Why we selected Bingle:

• Bingle was the cheapest comprehensive car insurer for 60-year-olds, according to Finder research.
• It was also the cheapest car insurer across all ages.
• At times, Bingle policies were half the price of other insurers.
• In our research, the the average annual quote for a 60-year-old was just $554.

• Bingle offers basic, no-frills cover. If you want a strong range of benefits, it's best to look elsewhere.

• Why we selected Bingle

  We selected Bingle as the top pick for price because it was one of the cheapest car insurers for people aged 60, according to our research. In total, over 1,000 quotes were requested from 37 comprehensive car insurance policies - 197 of those were for fictional drivers aged 60. Read more about our car insurance methodology.

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Peta Taylor's experience

"I was recently able to help my nan get car insurance on her secondhand car. The car was still worth quite a bit so we decided comprehensive cover was necessary, but we were able to save a heap by reducing the kind of cover needed. For example, we didn't need to spend on adding a hire car to the policy because if anything happened, she'd borrow a car from within our family. We went with an entirely online insurer because we knew that if she ever needed to make a claim, it'd be one of us helping with the paperwork. She prefers to deal with someone face to face but that's a service only on offer from more expensive insurers."

Peta Taylor

Publisher of Insurance

Is seniors car insurance different from regular car insurance?

Seniors car insurance isn't any different from regular car insurance. However, some brands do cater predominantly to older drivers, including APIA, Australian Seniors and National Seniors.

This doesn't guarantee those brands will be the best option for you though. Always compare as many car insurance options as you can, not just the ones marketed towards seniors.

"The best way to find the right car insurance is by comparing as many policies as you can. Make sure to request quotes first, so you have a clear picture of how much cover will cost. Then, start comparing specific benefits to find the best value for money."

Nicola Middlemiss

Senior writer

Should I look specifically for seniors car insurance policies?

Car insurance policies specifically designed for older drivers should be considered along with other car insurance brands. They are not guaranteed to be better than a general car insurer, but it's worth taking them into account when choosing your policy.

Insurer	Benefits
APIA Car Insurance	Available if you're over 50 years of age (or your partner is). Discount if you work less than 37 hours per week (but it doesn't specify what the discount is).
National Seniors	Not-for-profit that does advocacy work for older Australians. There are some perks if you become a National Seniors Australia member, but you need to pay to join.
Australian Seniors Car Insurance	Anyone can buy a policy. Save 5% if you're a Seniors Card holder.

Tips for paying less for seniors car insurance

• Buy online. Some insurers offer decent discounts if you buy your policy online, although this sometimes only applies to your first year's premium.
• Consider your driving habits. Some insurers offer cheaper premiums if you maintain a low mileage. If that sounds like you, consider pay as you drive policies.
• Increase your excess. Increasing your excess can lower your regular premium. But be aware, this means you'll have a higher amount to pay if you ever have to make a claim.
• Compare regularly. Don't stick with your insurer out of habit or loyalty. Compare insurers every year to take advantage of introductory offers and lower premiums.
• Bundle your policies. If you have multiple insurance policies, you might be able to get a discount if they're all with the same brand. Just make sure it's cheaper than splitting them.

Frequently asked questions

• How can I find the best car insurance for seniors?

  To find the best car insurance policy for your specific situation, compare policies from a range of different providers. Make sure to look at quotes, benefits, and terms and conditions.

• Is Australian Seniors car insurance only for seniors?

  No, people under the age of 50 can get cover with Australian Seniors, but there is a 5% discount for Senior Card holders.

Written by

Gary Ross Hunter

Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise

Gary Ross has written 654 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living