Best car insurance for seniors
Although drivers over the age of 60 usually have many years of driving experience, they often have to pay significantly more for their car insurance in old age. The reason: The insurance companies require one because of the increasing risk of older drivers age supplement. When the insurance cover for motorists becomes more expensive varies depending on the provider.
Some providers charge more for car insurance from the age of 76, while other insurers have to pay a lot more for motorists from the age of 60. Some insurance companies do not offer any insurance cover at all after a certain age. In our test, despite the more difficult conditions, we discovered some providers who offer low rates for drivers over 60 years of age.
In our comparison, it was noticeable that most of the good tariffs for novice drivers and experienced drivers are also good for seniors. The following providers and tariffs stand out in our “Car insurance for older drivers” test category:
DA Direct with the “Basic”, “Comfort” and “Comfort Plus” tariffs. As described above, we recommend the “Comfort” tariff for various reasons, including the amount of coverage.
Verti with the “Basic” and “Classic” tariffs. Compared to the “Classic” tariff, “Basic” lacks, among other things, the Mallorca policy, the “waiver of gross negligence” and a purchase price compensation. “Classic” also insures the optional equipment in the vehicle without a limit (usually a maximum of the vehicle’s value).
WGV with the “Basic” tariff.
If you are 65 or older, you should also take a look at the car insurance from Sparkassen Direktversicherung (SV). Anyone who can prove that they have a built-in driving assistant, for example a spacer, lane change assistant or automatic parking system, will also receive a discount on the insurance premium (maximum ten percent).
Tip: In addition to our detailed test, the car insurance calculator from finanzen.net can also support you in your search for the right car insurance tariff.