Compare Over 40s Car Insurance

  • Save up to £530* on your car insurance
  • 97% of reviewers recommend Free Price Compare
  • Compare car insurance quotes from 120+ insurers
Retrieve Quotes

Don’t have your registration number? No problem, click here.

4000+ reviews

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

We've served thousands of policies to
thousands of happy customers.

Price Comparison Market

10+ years experience in
the Price Comparison Market.

Car Insurance Companies

We'll display quotes from
120+ car insurance companies.

Over 40s Car Insurance: Compare Quotes & Save

They say life begins at 40 and there is no doubt that reaching this milestone can have many benefits - including great rates on car insurance! Many people who are 40 and older have been driving for many years and this can mean more experience, fewer claims, and less money to pay out on premiums. If this is you, then take the time to compare car insurance for over 40s and make sure that you are getting the best product and price available.

Of course, not everyone in their forties or beyond has been driving for decades, and new drivers of all ages will inevitably pay more than their experienced counterparts. Having said this, older drivers can still often pay significantly less than younger people who have just passed their test, especially if you use our services to help you find the best Car Insurance for 40 year olds.

Why Can Over 40s Save money?

Statistics from the road safety charity Brake show that older drivers are much less likely to be involved in a car accident than younger drivers. In fact, data shows that almost a quarter (23 per cent) of all young drivers aged between 17 and 24-years will be involved in an accident within two years of passing their driving test. This means that even new drivers who are over the age of 40 can save money on Car Insurance compared to their counterparts in their teens or early 20s.

First-time drivers in their 40s will inevitably pay more than more experienced drivers but less than those classed by insurers as 'riskier' options. This means that premiums should fall in the middle ground. When this is the case, it is always important to ensure that you are at the right end of this middle ground by making sure that you compare Car Insurance policies and premiums and get the best deal.

As a driver over 40, you may be pleasantly surprised to learn that you could save on your Car Insurance premiums. Many insurers recognise the experience and lower risk associated with older drivers, offering tailored policies and competitive rates. At Free Price Compare, we're here to help you compare quotes from top UK insurers and find the best deal for your unique circumstances.

Get Quotes

Why Car Insurance Can Be Cheaper for Over 40s

Insurers often view drivers over 40 as a lower risk compared to younger motorists. This is because over 40s are typically associated with:

  1. More driving experience and better road awareness
  2. Safer driving habits and fewer accidents
  3. Lower likelihood of making claims
  4. Greater financial stability and reliability

As a result, many insurance providers offer tailored policies and discounts for over 40s, rewarding them for their experience and responsible driving.

Over 40s Car Insurance: Compare Quotes & Save

Factors Affecting Over 40s Car Insurance Premiums

While your age can positively influence your Car Insurance premiums, several other factors also play a role in determining your rates:

  1. Driving history and claims record
  2. Type and value of your vehicle
  3. Annual mileage and usage
  4. Parking and overnight storage location
  5. Level of coverage (comprehensive, third-party fire & theft, or third-party only)
  6. Voluntary excess amount
  7. Additional drivers on the policy
  8. Your occupation and employment status
  9. Your residential area and postcode
Benefits of Comparing Over 40s Car Insurance Quotes

Benefits of Comparing Over 40s Car Insurance Quotes

Comparing car insurance quotes is crucial for finding the best deal, and this is particularly true for over 40s. By using a comparison site like Free Price Compare, you can:

  1. Save time and effort by comparing multiple quotes in one place
  2. Access exclusive discounts and offers for over 40s
  3. Find tailored coverage options that suit your specific needs
  4. Identify insurers that specialise in providing cover for older drivers
  5. Potentially save hundreds of pounds on your annual premiums

Our user-friendly comparison tool allows you to quickly compare quotes from a wide range of insurers, empowering you to make an informed decision and find the right policy at the best price.

Choosing the Right Level of Cover for Over 40s

When comparing car insurance quotes, it's essential to choose a level of cover that aligns with your needs and budget. The three main types of car insurance are:

Comprehensive Cover: Offers the most extensive protection, covering damage to your own vehicle as well as third-party vehicles and property. This level of cover often includes additional benefits like courtesy car provision, personal accident cover, and windscreen protection.

  1. Third-party fire & theft: Covers damage to third-party vehicles and property, as well as fire and theft damage to your own vehicle.
  2. Third-party only: The minimum legal requirement, covering damage to third-party vehicles and property only.

As an over 40 driver, you may want to consider comprehensive cover to ensure you have the highest level of protection. However, if you have an older, lower-value vehicle, third-party fire & theft or third-party only cover may be more cost-effective.

Get Quotes

Optional Extras for Over 40s Car Insurance

When comparing Car Insurance quotes, consider enhancing your policy with optional extras for added peace of mind. Some popular optional extras for over 40s include:

  1. Breakdown cover: Provides roadside assistance and recovery services if your car breaks down.
  2. Motor legal protection: Covers legal expenses related to pursuing uninsured losses or defending against motoring prosecutions.
  3. Protected no claims discount: Allows you to make a claim without losing your hard-earned no claims discount.
  4. Courtesy car: Ensures you have a replacement vehicle while yours is being repaired following an insured incident.
  5. Key cover: Covers the cost of replacing lost or stolen keys and locks.

Remember to weigh the costs and benefits of each optional extra when deciding which ones to include in your policy.

Optional Extras for Over 40s Car Insurance

Tips for Reducing Over 40s Car Insurance Premiums

In addition to comparing quotes and choosing the right level of cover, there are several ways you can further reduce your Car Insurance premiums as an over 40 driver:

  1. Pay annually instead of monthly to avoid interest charges
  2. Increase your voluntary excess (but ensure it's an affordable amount)
  3. Reduce your annual mileage by using alternative transportation when possible
  4. Install security devices like alarms, immobilisers, or tracking systems
  5. Consider a telematics (black box) policy to demonstrate your safe driving habits
  6. Park your vehicle in a secure location overnight, such as a garage or driveway
  7. Maintain a clean driving record and build up your no claims discount
  8. Limit the number of additional drivers on your policy, especially younger or inexperienced drivers

By implementing these tips and regularly comparing quotes, you can ensure you're always getting the best deal on your over 40s car insurance.

Average Car Insurance Savings for Over 40s

Average Car Insurance Savings for Over 40s

To illustrate the potential savings available to over 40s, consider the following data:

Age Group Average Annual Premium Potential Savings
25-29 £1,000 -
30-34 £800 20%
35-39 £700 30%
40-44 £600 40%
45-49 £550 45%
50-54 £500 50%

*Data based on a driver with a clean record, insuring a 2018 Ford Focus.

As the table shows, drivers in their 40s can save up to 40-45% on their Car Insurance premiums compared to younger age groups. These savings can amount to hundreds of pounds per year, making it well worth the effort to compare quotes and find the best deal.

Get Quotes


Over 40s Car Insurance: Frequently Asked Questions

Yes, many insurers offer discounts and preferential rates for drivers over 40, recognising their experience and lower risk profile. Be sure to inquire about these discounts when comparing quotes.

Yes, you can add younger drivers to your policy, but this may increase your premiums. Insurers typically view younger drivers as higher risk, so adding them to your policy can offset the discounts you receive as an over 40 driver.

Yes, your occupation can impact your Car Insurance premiums. Insurers use occupation categories to assess risk, and some professions are considered higher risk than others. Be sure to provide accurate information about your occupation when comparing quotes.

The best way to find the cheapest quotes is to use a comparison site like Free Price Compare. This allows you to quickly compare tailored quotes from multiple insurers, ensuring you find the best deal for your specific needs and circumstances.

If you're having difficulty finding affordable Car Insurance as an over 40 driver, consider: - Adjusting your level of cover or voluntary excess - Reducing your annual mileage - Improving your vehicle's security - Seeking out insurers that specialise in covering older drivers - Speaking with an insurance broker who can help you find the right policy, including additional insurance cover options such as breakdown cover and legal cover.

Car Insurance Comparison

Car Insurance Provider

Car Insurance Guides

Page last updated on: 09/05/2024

Page reviewed by: Shay Ramani

4000+ reviews