Seniors car insurance for over 60s

Compare options for older (and let's face it, wiser) drivers.

Gary Ross Hunter's headshot
Peta Taylor's headshot

By

Gary Ross Hunter

&

Peta Taylor

Edited by

David Gregory

Updated

Fact checked
Car_Insurance
1 - 5 of 138
Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or market value Bonuses
Optional
Agreed or Market
Summary: A great value policy with exceptional customer service. Youi won the 2024 Finder Award for Customer Satisfaction. It scored highly for features and benefits, customer service and reliability. It also automatically includes roadside assistance in its price - a feature that typically costs upwards of $90 per year.
Get QuoteView details
Optional
Optional
Agreed or Market
15% online discount
Summary: Coles Comprehensive Car Insurance includes the benefits you’d expect, plus features like grocery replacement (up to $200 if damaged or stolen. T&C’s apply). You’ll also collect 2 Flybuys points for every $1 you spend at Coles when you link your Flybuys (max cap, exclusions and eligible purchases apply).

⭐ Current offer: Collect 10,000 Flybuys Points when you take out a new Coles Comprehensive Car Insurance policy and link your Flybuys account. Offer ends 30 April 2025. Plus, save 15% on your first year’s premium when you buy online. T&Cs apply.

Who it might be good for: Those who want great quality cover and more rewards with Flybuys.
Get QuoteView details
Optional
Optional
Agreed or Market
15% online discount. T&C's apply.
Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Get QuoteView details
Qantas Comprehensive
Qantas Car Insurance logo
Optional
Optional
Agreed or Market
Earn up to 40,000 Qantas Points
Summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct).

⭐ Current offer: Earn up to 40,000 Qantas Points with every car insured by 28 May. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
Get QuoteView details
QBE Comprehensive
Green Company
QBE logo
Optional
Agreed or Market
$75 online discount
Summary: Finder's best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Get QuoteView details
loading

Start comparing

Best car insurance for seniors

To find our pick for the best car insurance for seniors, we looked at 30+ car insurance providers and got a range of quotes for various 60-year-old drivers. From there, we looked at the features & benefits of each provider and found one that was reasonably priced, had decent features and great customer service.

Best car insurance for pensioners: Budget Direct

Budget Direct comprehensive car insurance
Best value car insurance 2024

Budget Direct Gold Comprehensive Low Kilometres Car Insurance is our pick for pensioners because it’s cheap yet effective. There are plenty of optional extras which allow you to make the policy as thorough as you’d like or to whatever extent your budget will allow. It also has a fantastic customer service record.


  • Pros:
    • Budget Direct is among the cheapest comprehensive car insurance policies, according to our research.
    • It doesn’t compromise on cover. This policy shares similar benefits to other popular policies from NRMA, Allianz and AAMI, yet it’s typically cheaper.
    • It has high customer ratings. It placed second in the 2024 Finder Customer Satisfaction awards with 4.3/5.

    Cons:

    • There are cheaper insurers on the market. But keep in mind, cheaper isn’t always better.
    • Its product disclosure statement (PDS) is split over 2 documents creating unnecessary admin.

Get a quote
Peta Taylor's headshot
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."

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.

Nicola Middlemiss's headshot

"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."

Journalist

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
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 Insurance
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
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

To make sure you get accurate and helpful information, this guide has been edited by David Gregory as part of our fact-checking process.
Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 619 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
Peta Taylor's headshot
Co-written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

More resources on Finder

More guides on Finder

Go to site