Car insurance experts are warning that drivers in their mid-to-late 70s may see increases in premiums, potentially affecting those celebrating their 75th to 79th birthdays in 2025.
According to Ian Wilson, Managing Director of Tiger.co.uk, older motorists typically enjoy some of the most affordable rates after 65, as they are generally considered one of the safest driving groups. However, premiums tend to rise as drivers enter their mid-to-late 70s, reflecting insurers’ concerns about accident frequency and injury severity in this age bracket.
“Older drivers are typically one of the safest age groups, which is why the over-65 category enjoys the cheapest premiums,” Wilson explained. “However, as drivers approach their mid to late 70s, premiums often increase because accidents at that age can be more frequent, and injuries may be more severe.”
Statistics show that motorists aged 86 to 90 have the second-highest average claim costs after younger drivers aged 18–20, while drivers over 91 rank third. These trends underline why insurance providers consider very senior drivers a higher-risk group, leading to increased insurance costs.
Pensioners approaching these milestone ages are advised to review their policies and compare options to mitigate potential premium hikes.
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