We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
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.
Budget Direct Comprehensive Car Insurance received a 2026 Finder Award for Best Value Car Insurance. The policy is jam-packed with coverage, features flexible excess options and an online sign-up discount.
Budget Direct Comprehensive Car Insurance received a 2026 Finder Award for Best Value Car Insurance. The policy is jam-packed with coverage, features flexible excess options and an online sign-up discount.
"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."
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.
For younger drivers, men usually pay more than women because they statistically have more accidents and more expensive claims. By the time drivers reach their 60s and beyond, that gap narrows considerably: decades of driving experience and lower average mileage bring both men's and women's premiums closer together.
Some differences can still show up, and they come down to how each insurer weighs its own claims data. Any variation tends to be driven less by gender itself and more by factors that differ between individual drivers, such as the car you drive, how far you drive each year, where you live, your claims history and your chosen level of cover. Two senior drivers of different genders with similar profiles will often be quoted very similar premiums.
A few things worth knowing if you're an older driver comparing quotes:
"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."
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 |
|
 National Seniors |
|
 Australian Seniors Car Insurance |
|
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