Seniors car insurance for over 60s

Compare options for older (and let's face it, wiser) drivers.

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Peta Taylor's headshot

By

Gary Ross Hunter

&

Peta Taylor

Edited by

David Gregory

Updated

Fact checked
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Product Finder Score Roadside assistance Accidental damage Storm Choice of repairer Agreed or market value Bonuses
Finder Score
8.5 Great
Optional
Agreed or Market
Summary: A great value policy with exceptional customer service. Youi won the 2024 Finder Award for Customer Satisfaction. It scored highly for features and benefits, customer service and reliability. It also automatically includes roadside assistance in its price - a feature that typically costs upwards of $90 per year.
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Finder Score
8.9 Great
Market
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.
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Finder Score
9.1 Excellent
Optional
Optional
Agreed or Market
15% online discount. T&C's apply.
Summary: Budget Direct Comprehensive is highly commended as a feature-packed car insurance. 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.
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Virgin Comprehensive
Virgin Money logo
Finder Score
9.2 Excellent
Optional
Optional
Agreed or Market
15% online discount on your first year's premium
Summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
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ROLLiN' Comprehensive
ROLLiN' logo
Finder Score
9 Excellent
Agreed
10% off your base premium for the first two months + up to 15% off from the third month for safe driving. T&Cs apply.
Summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

⭐ Current offer: Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply. Learn More.

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.
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Coles Comprehensive Insurance
Finder Award
Coles logo
Finder Score
9.1 Excellent
Optional
Optional
Agreed or Market
15% online discount
Summary: Coles Comprehensive Car Insurance includes the benefits you'd expect, plus features like grocery replacement (up to $200 if damaged or stolen. T&C's apply).

⭐ Current offer: Get up to $50 off a Coles shop every month for 12 months with free Coles Plus Saver when you take out a new Comprehensive Car Insurance Policy & link your Flybuys. Offer ends 31.08.25.

Who it might be good for: Those who want great quality cover and more rewards with Flybuys.
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Qantas Comprehensive
Qantas Car Insurance logo
Finder Score
9.1 Excellent
Optional
Optional
Agreed or Market
Earn up to 40,000 Qantas Points
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 50,000 Qantas Points with every car insured by 30 June. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
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QBE Comprehensive
QBE logo
Finder Score
5.9 Standard
Optional
Agreed or Market
$75 online discount
⭐ 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).
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Real Comprehensive
Real logo
Finder Score
8 Great
Optional
Agreed
Summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. It's also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Who it might be good for: Those that don't drive much can take advantage of its Pay As You Drive policy.
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Australian Seniors Comprehensive
Australian Seniors logo
Finder Score
Not yet rated
Optional
Agreed
Save 5% on your first year's car insurance premium by holding a valid Seniors Card.
Finder’s summary: Australian Seniors’ comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover.

⭐ Current offers: Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.

Who it might be good for: People over 50 years old looking for flexible cover options.
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Start comparing

Finder Score for car insurance

We analyse over 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.

To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.

Read the full Finder Score methodology

Best car insurance for seniors

To find our pick for the best car insurance for seniors, we looked at 30+ car insurance providers and got a range of quotes for various 60-year-old drivers. From there, we looked at the features & benefits of each provider and found one that was reasonably priced, had decent features and great customer service.

Best car insurance for pensioners: Budget Direct

Budget Direct comprehensive car insurance
Best value car insurance 2024

Budget Direct Gold Comprehensive Low Kilometres Car Insurance is our pick for pensioners because it’s cheap yet effective. There are plenty of optional extras which allow you to make the policy as thorough as you’d like or to whatever extent your budget will allow. It also has a fantastic customer service record.


  • Pros:
    • Budget Direct is among the cheapest comprehensive car insurance policies, according to our research.
    • It doesn’t compromise on cover. This policy shares similar benefits to other popular policies from NRMA, Allianz and AAMI, yet it’s typically cheaper.
    • It has high customer ratings. It placed second in the 2024 Finder Customer Satisfaction awards with 4.3/5.

    Cons:

    • There are cheaper insurers on the market. But keep in mind, cheaper isn’t always better.
    • Its product disclosure statement (PDS) is split over 2 documents creating unnecessary admin.

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Peta Taylor's headshot
Peta Taylor's experience

"I was recently able to help my nan get car insurance on her secondhand car. The car was still worth quite a bit so we decided comprehensive cover was necessary, but we were able to save a heap by reducing the kind of cover needed. For example, we didn't need to spend on adding a hire car to the policy because if anything happened, she'd borrow a car from within our family. We went with an entirely online insurer because we knew that if she ever needed to make a claim, it'd be one of us helping with the paperwork. She prefers to deal with someone face to face but that's a service only on offer from more expensive insurers."

Publisher of Insurance

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.

Nicola Middlemiss's headshot

"The best way to find the right car insurance is by comparing as many policies as you can. Make sure to request quotes first, so you have a clear picture of how much cover will cost. Then, start comparing specific benefits to find the best value for money."

Journalist

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.

InsurerBenefits
apia
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.

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.

Frequently asked questions

To make sure you get accurate and helpful information, this guide has been edited by David Gregory as part of our fact-checking process.
Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 597 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
Peta Taylor's headshot
Co-written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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