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Seniors car insurance

Over 60 and looking for a better deal? Compare seniors car insurance from 10+ brands.

Budget Direct Comprehensive

Budget Direct logo image
  • Get a 15%* online discount
  • 24/7 Claims
  • Lifetime guarantee on repairs
  • Save by restricting younger drivers
Get Quote
*First year's premium for a new policy. T&Cs apply.

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Car insurance can become more expensive over the age of 60. Not only could your premiums start to rise, but you may also have to pay a higher excess. However, there are money-saving options to ensure senior drivers are covered on the road, including seniors discounts.

Compare seniors car insurance

1 - 9 of 38
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value Bonuses
Budget Direct Comprehensive
Agreed or Market
15% online discount
Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

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

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Youi Comprehensive Car Insurance
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Coles Comprehensive
Agreed or Market
10% online discount
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs.

⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
QBE Comprehensive
Green Company
QBE Comprehensive
Agreed or Market
$75 online discount
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement.

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

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
Bendigo Bank Comprehensive
Agreed or Market
No Claim Bonus
Finder's summary: Bendigo Bank’s comprehensive policy offers up to $30 million in liability insurance, cover for your personal items and the option of a replacement car if your vehicle is being repaired after an accident.

Who it might be good for: Those who seek the peace of mind that comes with high legal liability and a range of cover benefits.
Bingle Comprehensive
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. You don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Qantas Comprehensive
Agreed or Market
Earn up to 20,000 Qantas Points
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.
Australia Post Comprehensive
Agreed or Market
$75 online discount
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

⭐ Current offer: Get $75 off your first year’s premium when you buy online. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
Woolworths Comprehensive
Agreed or Market
Up to 15% online discount
Finder's summary: Woolworths has some unique perks like a price-beat guarantee where it'll beat any current comparable comprehensive renewal notice if you're over 25. You can also get 10% off your grocery shop once a month and can add roadside assistance onto your policy for just $7.33 per month.

⭐ Current offer: Save up to 15% when you buy online. T&Cs apply.

Who it might be good for: Woolworths shoppers and those that want to take advantage of its price-beat guarantee.

Compare up to 4 providers

Unsure of which provider to choose? The following are the 3 most popular seniors car insurance brands on Finder:
1. Budget Direct
2. Coles
3. Youi
Based on clicks to active policies on this page from May 2021 - November 2021

What exactly is seniors car insurance?

Every insurer offers cover for seniors, but some car insurance policies that are tailored to meet the needs of seniors and pensioners. Insurers that cater specifically for older drivers include APIA, Australian Seniors and National Seniors Insurance.

Car insurance does get more expensive for drivers over the age of 60. That's because people in older age groups are more likely to have health issues that can impact their driving. But there are a number of discounts that can lower the cost of cover – from no-claim bonuses to discounts on your Seniors Card.

What companies offer seniors and pensioners discounts?

Not all insurers offer pensioners and seniors discounts, but many do have online discounts to take advantage of. Let's have a look.

InsurerSeniors discountOther discountsGet quote
National Seniors
  • None
  • Up to 10% online discount
  • Up to 10% safe driver discount
  • No claim bonus discount of up to 65%
More info
Picture not describedAustralian Seniors
  • Save 5% if you're a Seniors Card holder.
  • Save up to 10% when buying online and 5% when you exclude drivers under the age of 25.
More info
Budget Direct
  • None
  • Purchase your policy online to save up to 15%.
Get quote
  • None
  • 5% discount when you request a quote for new comprehensive car insurance online.
More info
Bingle logoBingle
  • None
  • Save 24% on your policy if you've been claim free for 3 years.
Get quote
  • None
  • Save 15% on your first year's premium when you buy a new comprehensive policy online.
More info
  • None
  • Save up to 5% on your first year's policy when buying online.
  • Save up to 5% when you exclude under-25 drivers.
More info
  • None
  • When purchasing online, save up to 15%.
More info

Compare more seniors car insurance deals

Budget Direct

15% online discount on car insurance

Verified 3 days ago
Receive 15% off your first year's premium when you purchase a new policy online. T&Cs apply.
Qantas Car Insurance Deals

Earn up to 20,000 Qantas Points with Qantas Car Insurance

Verified 3 days ago
Earn up to 20,000 points just for joining. Points based on your premium after 60 days. T&Cs and eligibility apply.
Coles Car Insurance Deals

Save 10% + Collect double flybuys points

Verified 3 days ago
Get 10% off when you buy online plus collect double flybuys points at Coles supermarkets when you take out a Coles car insurance policy (excluding third party). T&Cs apply.
Woolworths Car Insurance Deals

Save up to 15% on Woolworths Car Insurance

Verified 3 days ago
Buy online and save up to 15%. T&C's apply.
Woolworths Car Insurance Deals

Woolworths Comprehensive Car Insurance Price Beat - Over 25 Only

Verified 3 days ago
Get a quote and if you're 25 or over and if it is not cheaper than your current comparable renewal notice, Woolworths will beat it. T&C's apply.
Australia Post Car Insurance Deals

Get $75 discount when you buy online

Verified TodayExpires 28 Aug 2022
Save $75 on your first year’s premium when you buy comprehensive car insurance online. T&Cs apply.
QBE Car Insurance Deals

Save $75 on new Comprehensive Car Insurance

Verified 3 days ago
Buy online and save up to $75. Terms & Conditions apply.

What car insurance options are available to seniors?

The following 4 types of car insurance apply to all drivers, regardless of age:

TypeWhat it coversWhen you need it
Compulsory third party (CTP)CTP insurance covers injuries to other people.It compensates other people you may injure while driving and is mandatory in Australia.
Third party property damage (TPPD)TPPD covers damage to other people's property.It pays for damage to other people's property that you may cause while driving. TPPD is strongly recommended as the minimum amount of insurance you should have.
Third party property damage, fire and theft (TPPD F&T)TPPD F&T covers third party property damage plus damage from fire and theft.It has the benefits of TPPD while also protecting your own vehicle from fire and theft. It's a good option for people who want TPPD as well as cover for themselves.
ComprehensiveComprehensive car insurance covers your car plus other people's property.Combines TPPD with complete coverage of your own car from many kinds of damage.

Should I look specifically for seniors car insurance policies?

There are few providers in the Australian marketplace that offer cover exclusively to those over 50. The following is an overview of 2 of them:


APIA Car Insurance

Apia is known for being highly recommended by people that use it.

Apia comprehensive seniors car insurance can help you save money on your annual premium by offering the following:

  • Discount of 15% if you get your quote online
  • Discount if you drive less than 20,000km per year
  • No extra cost for paying your premium monthly or quarterly.
Australian seniors

Australian Seniors Car Insurance

Australian Seniors Car Insurance allows you to build your own policy, providing seniors looking for car insurance with greater flexibility. Pay only for what you need.

You may also wish to choose the pay-as-you-drive policy, which can provide you with comprehensive cover at a fraction of the price. Plus:

  • Save 5% if you're a Seniors Card holder.
  • Save up to 10% when buying online and 5% when you exclude drivers under the age of 25.

Compare car insurance by state

Use the map below to compare car insurance based on your location.

Tips for paying less for car insurance

While restrictions on older drivers vary by state, the cost of seniors car insurance is consistently higher than for other demographics. So, what ways could you cut the cost of car insurance? Ask yourself:

  • How is your driving history? Maintain a clean driving record as much as possible. As soon as you start recording accidents and infringements, your premium will rise accordingly.
  • Have you ever taken a defensive driving course? A defensive driving course can be done at any age and shows your insurer that you are a safe driver, which can help reduce your premium.
  • Who is the primary driver of your car? You might want to list a younger driver on your policy. If someone younger does the majority of driving in your car (providing they are not a higher risk than you), listing them as the primary driver may reduce your premium.
  • Is there a pay-as-you-go option available? Choose a pay-as-you-drive option if you drive fewer kilometres a year. For instance, Woolworths Comprehensive Car Insurance offers a drive less, pay less discount if you drive your car infrequently.
  • Can you afford to increase your excess? Increase your excess if you can afford to, as this will reduce your premium.
  • Are you eligible for a multi-policy discount? Package your seniors car insurance with another policy from the same provider to get a multi-policy discount.
  • Is your no claim bonus intact? Look for a policy with a no claim bonus discount and try to keep it intact.
  • Is your seniors car insurance agreed or market value? Insure your car for market value rather than agreed value.
  • How do you pay your premium? Pay your premium annually rather than monthly to reduce administration fees and get a kind of "bulk discount".
  • Can you get a discount by going online? Some insurers offer discounts of up to 20% if you get seniors car insurance online.

In short, things that save the insurance company money will also save you money. Being a lower risk driver means they don't have to pay as much in claims, while doing things like signing up online reduces their administrative costs, which is why they're happy to offer discounts for it.

What are the licensing requirements for seniors?

In Australia, the restrictions placed on older drivers vary from state to state. Victoria, South Australia and the Northern Territory do not require annual medical examinations for drivers over 70.

Restrictions in the other states and territories are as follows:

  • New South Wales. All drivers aged 75+ must pass an annual medical examination by a doctor, while drivers over the age of 85 must also do a driving test every 2 years.
  • Queensland. All drivers 75 years and over are not required to do a driving test, but they must carry with them a medical certificate from their doctor, which needs to be renewed every 12 months.
  • Australian Capital Territory. All drivers 75 and over must pass an annual medical examination by a doctor.
  • Tasmania. Drivers aged 75+ no longer need to undertake an annual assessment to keep their licence.
  • Western Australia. Drivers aged 80-84 years old need to undergo an annual medical assessment before they can renew their licence. Those aged 85+ will need a medical assessment certificate and a practical driving assessment.

Seniors car insurance reviews

Each car insurer has its own unique perks that you may find attractive. Not all insurers are the same, so finding the car insurance that works best for you as you age is essential for peace of mind while still using your vehicle.

National Seniors

  • Save up to 10% when you buy a new policy online.
  • Earn a safe-driver discount of up to 10% based on your insurance and driving histories.
  • File a claim 24/7, both online and over the phone.

More info

Picture not described

Australian Seniors

  • Save up to 10% when buying online, 5% when you exclude drivers under 25 and 5% if you're a Seniors Card holder.
  • Get pay-as-you-drive insurance if you're spending less time behind the wheel.
  • Choose your level of excess to save on your premium and get personalised cover to fit what you need.

More info

Budget Direct

  • Save on your policy by restricting the age of your drivers to 21+, 25+, 30+, 40+ and even 50+.
  • Make a claim 24/7 over the phone or online.
  • Get hire car use for 14 days after a no fault accident or theft.

Get quote


  • Get a discount on your premium if you drive fewer than 20,000 kilometres per year.
  • Pay by the month at no extra cost.
  • Get up to $1,500 cover for personal property that is stolen or damaged in an accident.

More info

Bingle logo


  • Safe drivers can save up to 24% if you haven't claimed in 3 years.
  • Bingle has a review score of 4.6 stars out of 5 on its site.
  • Almost everything is online, meaning costs stay down and you can make a claim at any time.

Get quote


  • Choose a higher voluntary excess to reduce your premium.
  • Save up to 15% when buying a new comprehensive car insurance policy online.
  • Get a no claim bonus for every year you do not make a claim.

More info

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