Seniors car insurance for over 60s

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

Car_Insurance
1 - 5 of 119
Name Product FCI Roadside assistance Accidental damage Storm Choice of repairer Agreed or market value Bonuses
Youi logo
Optional
Agreed or Market
Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards.

Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.
Coles logo
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: Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.

Who it might be good for: Those who want great quality cover and more rewards with Flybuys.
Budget Direct logo
Optional
Optional
Agreed or Market
15% online discount
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.
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 29 January. 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.
ALDI logo
Agreed
Summary: ALDI's comprehensive insurance policy covers your car for an agreed value and a variety of policy benefits.

Who it might be good for: Ideal for those seeking competitive coverage limits, though other products may have higher limits.
loading

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 features: Youi Comprehensive car insurance

Youi car insurance

Best car insurance features winner 2023

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.
Get a quote

Top pick for value: Budget Direct Comprehensive car insurance

Budget Direct car insurance
Best value car insurance 2023

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.
Get a quote

Top pick for price: Bingle Comprehensive car insurance

Bingle car insurance logo

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.
More info
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."

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.

InsurerBenefits
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
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 644 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

More guides on Finder

Go to site