Car insurance for pensioners & seniors

Whether you’re retired and enjoying the extra time you deserve, or working still and looking towards the future, there are plenty of advantages to being at an age where you can finally enjoy the fruits of your earlier years.

So, it’s only fair that you should be rewarded for the driving experience you’ve gained over the years by getting better rates on your car insurance. Living expenses can be tough enough, let alone having to contend with pricey car insurance!

The good news is many insurers favour experienced drivers. With lower rates of accidents among senior drivers, seniors can take out specialty policies just for them that can offer competitive premiums that are reflection of the lower-risk nature of their good driving habits.

Seniors drivers’ licences

Each state has rules regarding senior drivers. Please note we are only referring to standard car licences below. Information is current as of January 2015.


Once you turn 75, you will need to carry a current ‘Medical Certificate for Motor Vehicle Driver’ wherever you drive (keep it in the glove box). Certificates are valid for a year, and may contain certain conditions if you have particular medical conditions.

New South Wales

When you’re aged between 75 and 79, you’ll need to have a medical review every year to keep your licence. When you turn 85, you can choose between holding a modified licence (with restrictions), or keeping your unrestricted one. If you choose to keep the unrestricted licence, you’ll need to pass a driving assessment every two years.


Drivers in Victoria over the age of 75 are required to renew their licence every three years. It is up to

them to self-assess their own fitness to drive.


Once you turn 65, you’ll need to renew your licence every 5 years. Drivers are encouraged to self assess their fitness to drive.

Western Australia

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

South Australia, Northern Territory, ACT

When you renew your licence, you will be asked if you’re taking medication or have a medical condition. If you are/do, you may need to partake in a medical examination, which will determine if you’re fit to drive unrestricted.

Take advantage of favourable senior rates

If you’re over the age of 50, you may not even realise you could be saving hundreds on your car insurance. Why settle for the same old policy year in year out? lets you review a host of insurance quotes.

Some policies offer a feature that allows you to save even more on your insurance if you drive less. There’s no need to pay through the teeth if you’re mostly driving to the shops or visiting family.

Other measures such as restricting the age of drivers under 30 from your policy and simply buying online could save you more on your insurance. It’s worth comparing to see what you may be able to save.


Apart from offering a no-fuss way to some compare car insurance products in the one place, we believe that experienced drivers like you should be rewarded for a good driving history.

Insurance needn’t be an arduous process to sign up for. Let us help you find what you’re looking for in a faster, less confusing way. Use our simple comparison tool today.

Category: Auto Insurance

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