What Is Over-80s Car Insurance Cover?
Over-80s driving insurance is car cover designed for drivers aged 80 and above. It ensures they stay legal, safe, and protected while on the road. Although car insurance is mandated for all drivers, policies for over-80s may include features that better suit their needs, such as limited mileage options or added medical cover. With age-specific risks in mind, this insurance helps older drivers maintain their independence while enjoying peace of mind behind the wheel.

What Car Insurance Coverage Is Available for Drivers Over 80?

Here is a list of car insurance coverages available for drivers over 80:

•  Covers your vehicle in case of damage or theft
•  Pays for damage to other people’s cars or property (third-party cover)
• Includes personal accident cover for injuries
•  May offer motor legal protection to help with legal costs
• Can include breakdown cover for roadside help
• Optional extras may be available, depending on the insurer
•  The exact cover depends on the insurance company and the level of policy you choose

Is Car Insurance More Expensive for Over 80s?

Yes, car insurance can be more expensive once you are over 80. This is because health issues and the risk of accidents tend to increase with age.
However, many over-80s are safe, careful drivers with lots of experience. They also tend to drive fewer miles each year, which can help lower the cost.
If you are healthy and meet the eyesight rules, you can still drive and enjoy your independence, even after turning 80.

Average Car Insurance Quotes For Over 80s

Car insurance for drivers over 80 can cost more due to higher health risks and accident rates. On average, drivers in this age group may pay around £400 to £600 per year, but this can differ depending on location, car type, driving history, and mileage. Even though premiums rise with age, over-80s usually drive less and have more experience, which can help lower costs. Comparing quotes and looking for discounts can also make insurance more affordable.

READ MORE: Average DUI Attorney Cost

Cheapest Car Insurance for Over 80s

Best overall (liability-only):

• Company: GEICO
• Annual Cost: $622
•  Monthly Cost: $52

Best for full coverage:

•  Company: State Farm
• Annual Cost: $1,369
•  Monthly Cost: $114

 With a speeding ticket:

•  Company: State Farm
•  Annual Cost: $450
• Monthly Cost: $37

With an accident:

• Company: State Farm
• Annual Cost: $491
• Monthly Cost: $41

 With a DUI:

• Company: State Farm
•  Annual Cost: $572
• Monthly Cost: $48

Can Seniors Get Car Insurance Discounts?

Yes, seniors can often get car insurance discounts. While rates may go up with age due to higher risk statistics, many seniors are still safe, careful drivers. Some even drive less, which lowers their risk. By showing your insurer that you are a low-risk driver, like taking a safe driving course or reducing mileage, you may qualify for lower rates

Tips to Get Cheaper Car Insurance Over 80

Here are some tips to help you get a car insurance quote if you are over 80s:

• Choose a low insurance group car: Smaller, safer cars cost less to insure.
• Try pay-as-you-go insurance: Pay only for the miles or hours you drive.
•  Consider short-term cover: Good option if you drive only now and then.
•  Pay yearly: Paying in full can be cheaper than monthly instalments.
• Build your no-claims discount: The longer you drive claim-free, the more you save.
•  Add a named driver: A younger, experienced driver on your policy may lower costs