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Seniors car insurance

Over 60 and looking for a better deal? We've crunched the numbers to help you find affordable car insurance for seniors.

The cost of car insurance can vary according to your age, driving experience, and typical usage. Make sure you're getting the best deal for your specific situation.

Compare car insurance for seniors

1 - 7 of 20
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: 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.
Youi Comprehensive
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Australia Post Comprehensive
Agreed or Market
$100 online discount
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $100 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
ROLLiN' Comprehensive
Finder's summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.
Bingle Comprehensive
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
QBE Comprehensive
Green Company
QBE Comprehensive
Agreed or Market
$75 online discount
Finder's summary: Our 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).
Qantas Comprehensive
Agreed or Market
Earn up to 30,000 Qantas Points
Finder's 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 30,000 Qantas Points with every Qantas Car Insurance policy you take out by 28 May. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.

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.
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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.
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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.
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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.

Expert quote

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.

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.
  • Save up to 10% when you buy online and 5% when you exclude drivers under the age of 25.

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.

Why you can trust Finder's car insurance experts


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Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

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