Car insurance for seniors and pensioners
The table below displays a range of comprehensive car insurance policies from our Online Partners, for drivers aged 60 and older.
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- Never worry with accidental damage included.
- Drive happy knowing your car’s covered against storm, hail and flood damage.
What types of car insurance are available for seniors?
When it comes to car insurance for seniors, the available options tent to be the same as those available for younger drivers, irrespective of factors like your age or driving history. In general, there are four types of car insurance available to seniors:
- Compulsory third party: The most basic type of insurance, covering you for injuries or death to others in an accident only
- Third party property: Covering you for damage to another person’s car or property
- Third party fire and theft: Covering you for damage or loss caused by theft as well as damage to another person’s car or property
- Comprehensive: Covering you for damage to your car, as well as damage or loss caused by theft and damage to another person’s car or property
It is mandatory for every vehicle registered in Australia to have some form of compulsory third party (CTP) cover, so if your car is registered then you will have this cover no matter what, but if you want more protection for yourself or for other drivers’ vehicles should you be at fault in an accident, then you will need to consider on of the other forms of cover mentioned above.
How to find the best car insurance for seniors?
When it comes to car insurance, the concept of the ‘best’ is a subjective one – the best insurance for you will be one that suits your needs and budget and covers you for the things you need to be covered for. If your car is your pride and joy, or if you do not want to be up for the cost of repairs or even replacement should it be damaged or destroyed in an accident, then comprehensive cover may be the best fit; on the other hand, if you only want to be covered for damage you might do to others’ vehicles in an accident, then third party property cover may be the best. You can compare car insurance for seniors on this page to try and find a policy with the best mix of cost and features to suit your own particular needs.
What are the rules for seniors having a driver’s licence?
For many seniors, a car is more than just a convenience, it also provides valuable independence. But can seniors continue to drive past a certain age?
In some states and territories, specific rules apply to seniors renewing their driver’s licence. Here’s a quick round-up of the requirements around the country at the time of writing:
- NSW – From age 75, an annual medical assessment is required to renew your licence. From age 85, you must also pass an on-road driving assessment every two years.
- ACT – Drivers are required to have a medical test each year from age 75.
- QLD – From age 75 you will need a medical certificate to drive. These medical certificates are valid for a maximum of 13 months, and you must be reassessed and obtain another certificate before your current one expires if you wish to continue driving.
- VIC – Seniors are responsible for assessing their own ability to drive safely as they age, and must notify VicRoads if they develop a medical condition or disability that could affect their driving.
- TAS – Seniors in Tassie are not required to undergo medical checks to renew a licence unless they experience illness or a disability.
- SA – Drivers are required to complete a compulsory self-assessment every year from age 75.
- WA – From age 80, seniors must have an annual medical assessment to renew their licence. As part of this process, your doctor may also recommend you undergo a practical driving assessment.
- NT – All NT drivers are required to pass a vision test every five years. Any additional medical assessment may only be required if you declare a disability or medical condition that may affect your driving.
Does age affect the cost of your insurance premiums?
Insurance providers calculate the cost of premiums based on perceived risk, and will tend to charge more to drivers they consider to be riskier. This can include younger and older drivers – in fact, 2023 figures from Road Safety NSW showed that older drivers are overrepresented in terms of fatality rates for drivers. That said, there are ways that you can reduce the cost of your premiums as a senior driver, especially if you are able to demonstrate to your insurance provider that you have maintained a safe driving record.
Frequently Asked Questions: Car Insurance for Seniors and Pensioners
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About our car insurance experts
Nina Rinella, Editor-in-Chief
Joshua Sale, Group Manager, Research & Ratings
As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Car Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.
Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.