Value

- Best value for 60-year-olds according to Finder research
- Cheaper than most insurers
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, our experts have several money-saving options to help you keep costs down.
To determine our top picks, we got over 170 quotes for 60-year-olds from 24 comprehensive car insurance policies:
We used the Finder car insurance awards data to determine our top picks. We filtered our data to look solely at quotes for 60-year-olds. In total, we got 171 quotes from 24+ comprehensive car insurance policies.
Value. The value top pick was based on a 60/40 split of price and 16 features commonly covered by car insurance.
Features. To determine the top pick for features, we weighted and assessed 16 features such as new car replacement and key replacement. The final score was an 80/20 split of the features and price score.
Price. Bingle came out on top for cost because it offered the cheapest comprehensive car insurance out of the 171 quotes we got for 60-year-olds.
We only looked at comprehensive car insurance policies and analysed 24 insurers, including lots of non-partners, but there are more available.
Keep in mind that what's best for you might not be for someone else and your prices can differ based on where you live, your gender and the car you drive. Be sure to check the fine print to make sure it's the right policy for you.
Finder's car insurance methodology
Seniors car insurance isn't typically very different from regular car insurance. However, there are a few insurers such as APIA, Australian Seniors and National Seniors Insurance that cater to older drivers. For example, National Seniors Insurance is a not-for-profit organisation focused on advocacy work for older Australians. Australian Seniors offers a 5% discount to Senior Card holders.
When looking at a car insurer that's tailored towards seniors, make sure there is a clear benefit to going with them. There is sometimes very little difference between them and a regular car insurer.
There are few providers that market towards Australians over 50. Before you sign up with them though, make sure they're actually offering you something you want. Here's an overview of 3 of the most popular senior car insurance providers and some of their main benefits:
Insurer | Benefits |
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![]() APIA Car Insurance |
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![]() National Seniors |
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![]() Australian Seniors Car Insurance |
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Not all insurers offer pensioners and seniors discounts but many have online discounts to take advantage of.
While restrictions on older drivers vary by state, the cost of seniors car insurance is consistently higher than for other demographics. You can cut the cost of car insurance by doing the following:
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. Doing things like signing up online reduces their administrative costs, which is why insurers are happy to offer discounts for it.
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