Car Insurance For Seniors: What Are Your Options?

After 40-plus years on the road you’re probably feeling pretty confident about your driving ability, but the reality is most car insurers tend to ask seniors to pay a little extra. To help you find cover that is right for you, Canstar has weighed up the costs and benefits, revealing its best value car insurance policies for seniors.

In your golden years, you probably don’t want to think about the cost of car insurance or even realise you’re likely to be paying more because of your age and health. The fact is, premiums start to rise once you reach 60 because insurers tend to spend more on claims from older drivers. Plus, seniors are generally more prone to health problems which could affect driving ability, including:

  • Impaired hearing and vision
  • Slower reaction times
  • Physical problems like arthritis and heart issues
  • Use of prescription medicines

While you may experience higher premiums than in your younger years, it’s still a good idea to have comprehensive cover in the case of an accident on the road.

Car insurance for seniors

Best car insurance policies across the states

Each state and territory across Australia differ slightly when it comes to car insurance. For this reason, we have put together a list of Canstar’s top star-rated car insurance products for each state to help you find a policy and provider that is suitable for your needs as a senior driver.


 

New South Wales

Below is a snapshot of 5-Star car insurance policies for a 60+ Male/Female driver living in NSW with no extra driver under the age of 25.



 

Queensland

Below is a snapshot of 5-Star car insurance policies for a 60+ Male/Female driver living in Queensland with no extra driver under the age of 25.



 

Victoria

Below is a snapshot of 5-Star car insurance policies for a 60+ Male/Female driver living in Victoria with no extra driver under the age of 25.



 

Tasmania

Below is a snapshot of 5-Star car insurance policies for a 60+ Male/Female driver living in Tasmania with no extra driver under the age of 25.



 

South Australia

Below is a snapshot of 5-Star car insurance policies for a 60+ Male/Female driver living in South Australia with no extra driver under the age of 25.



 

Western Australia

Below is a snapshot of 5-Star car insurance policies for a 60+ Male/Female driver living in Western Australia with no extra driver under the age of 25.



 

Australian Capital Territory

Below is a snapshot of 5-Star car insurance policies for a 60+ Male/Female driver living in Australian Capital Territory with no extra driver under the age of 25.

Did you know there are some providers that offer specialised policies for seniors? Some of these include:

What are the state laws for senior drivers?

It’s important to be aware of the current state laws affecting senior drivers in Australia. Note that while this information is correct at the time of writing, these laws are subject to change, so check out your state’s transport page to confirm.

New South Wales

People aged between 75 and 79 need to complete a medical review every year to keep their licence. When you turn 85 you must also complete a driving assessment every two years, or drive under a restricted licence.

Victoria

Drivers in Victoria who are 75 or older need to renew their licence every three years but can self-assess their physical wellbeing.

Queensland

Drivers who turn 75 must carry a ‘Medical Certificate for Motor Vehicle Driver’, which is valid for a year.

Tasmania

Drivers are encouraged to self-assess their ability to drive but have to renew their license every five years once they turn 65.

Western Australia

Once you turn 80 you’ll be required to undergo a yearly medical check to ensure you’re fit to drive.

South Australia, Northern Territory, ACT

In these states, you simply have to pass a medical exam when you go in to renew your licence.

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