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Car Insurance for Seniors

From leisurely coastal drives to local runarounds, the way you use your car changes over time. Discover a level of car insurance for seniors that might fit how your life looks now.

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AWARD-WINNING INSURANCE Youi won Finder's 2026 National Car Insurance Provider of the Year.

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Why choose Youi’s car insurance for Australian seniors?

We let you choose from a range of insurance types and optional covers that might suit your evolving lifestyle – whether you’re working less, driving less or just thinking about a change.

Roadside assist

24/7 Roadside assistance

With 24/7 Roadside Assist included as standard with all Comprehensive policies, we’re here to help – day or night – if your car won’t start, runs out of fuel or needs a tow.1

EXPLORE ROADSIDE ASSIST
Quality guarantee

Quality guarantee

We guarantee the quality of repairs authorised by us for approved claims for as long as you own the car.2

REPAIRER NETWORK
24/7 Claims Lodgement

Claim online, anytime

Dealing with an insured event can be stressful, so we’ve made lodging a car insurance claim simple. Lodge yours online 24/7, any day of the year.

OUR CLAIMS PROCESS
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Quick pick-up times

When you ring us to talk about your seniors car insurance, on average we strive to answer your call in around 30 seconds – because at Youi, we’re all about getting you sorted sooner.3

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What type of seniors car insurance cover is right for you?

If you’re looking for Comprehensive, Third Party Fire & Theft or Third Party Property Only cover that’s easy to manage and backed by real support, start a quote and see how we compare.

Comprehensive

Cover for damage to your car and your legal liability for damage to someone else’s car or property.4

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  • 24/7 claims lodgement and roadside assistance1
  • Accidental damage caused by you or someone else5
  • New car replacement if your new car is deemed a total loss6
  • Cover for fire, storm, and flood damage7
Comprehensive

Third Party Fire & Theft

Cover for fire and theft, as well as damage to someone else’s car or property.4

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  • Fire damage and theft4
  • Legal liability up to $20 million8
  • Up to $5,000 cover for accidental damage to your car caused by an uninsured driver9
  • Towing covered11
Third Party Fire & Theft

Third Party Property Only

Cover if your car causes damage to someone else’s car or property.4

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  • Legal liability up to $20 million8
  • Up to $5,000 cover for accidental damage to your car caused by an uninsured driver9
Third Party Property Only

Speak to a real person about seniors car insurance

Sometimes, nothing beats picking up the phone to talk things through. If you’re looking for suitable car insurance for Australian seniors or you need to make a claim, give us a call.

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Are you a senior looking for CTP insurance? We do that too.

NSW CTP Green Slip SA CTP

Compare our car insurance for seniors policies

At Youi, we think finding what the best seniors car insurance might be for you should be simple. Here’s a snapshot of what’s covered – and what’s not covered – by our Comprehensive, Third Party Fire & Theft and Third Party Property Only car insurance policies. Visit the above links for the full picture.

Comprehensive car insurance

What's covered

  • Accidental damage,5 intentional damage5 or fire damage9,4

  • Hail, storm or flood damage7

  • Theft1

  • 24/7 Roadside Assist1

  • Damage to someone else’s vehicle or property4

  • Hire car following theft10 or a not at fault accident5

  • Towing and storage11

What's not covered

  • Hire car for other insured events*

*Available as an optional cover, conditions apply.

Third Party Fire & Theft car insurance

What's covered

  • Damage from fire9

  • Theft10

  • Hire car following theft10

  • Damage to someone else’s vehicle or property4

  • Towing and storage11

What's not covered

  • Damage from accidents* or vandalism

  • Hail, storm or flood damage

  • 24/7 Roadside Assist

  • Hire car following a not at fault accident

  • Hire car for other insured events

*If an uninsured driver is completely at fault for an incident that damages your car and you're able to provide certain details of the driver, we'll cover up to $5,000 after excess.12

Third Party Property Only car insurance

What's covered

  • Damage to someone else's vehicle or property4

What's not covered

  • Damage from accidents*, vandalism or fire
  • Hail, storm or flood damage
  • Theft
  • 24/7 Roadside Assist
  • Hire car following theft or a not at fault accident
  • Towing and storage
  • Hire car for other insured events

*If an uninsured driver is completely at fault for an incident that damages your car and you're able to provide certain details of the driver, we'll cover up to $5,000 after excess.12

 

Award-winning car insurance

Australians – just like you – think we’re doing something right. It’s why we won the WeMoney Awards for Car Insurer of the Year, Outstanding Claims Experience and Outstanding Customer Service in 2026.

 

View our awards
 
WeMoney Awards for Car Insurer of the Year, Outstanding Claims Experience and Outstanding Customer Service in 2026

Optional car insurance cover for seniors

You can’t plan for everything – but you might be able to choose to add these optional covers for when it might matter.

Hire car cover for other insured events

Even if you’re at fault, we’ll organise a compact rental car for a total hire period of up to 21 days while your car is being repaired when you add this optional extra to your Comprehensive car insurance policy.13

Campervan/motorhome contents

We’ll cover the contents inside your campervan or motorhome if they’re lost or damaged due to an insured event if you choose to add this option to a Comprehensive or Third Party Fire & Theft policy. We’ll pay up to the lesser of the replacement cost or $1,000 per item, up to the total amount shown on your policy schedule per claim.14

Reduced excess for windscreen claims

Chipped or cracked windscreen? You might be able to lower the excess for claims solely involving windscreens, window glass or sunroof glass.15

Even if you’re at fault, we’ll organise a compact rental car for a total hire period of up to 21 days while your car is being repaired when you add this optional extra to your Comprehensive car insurance policy.13

We’ll cover the contents inside your campervan or motorhome if they’re lost or damaged due to an insured event if you choose to add this option to a Comprehensive or Third Party Fire & Theft policy. We’ll pay up to the lesser of the replacement cost or $1,000 per item, up to the total amount shown on your policy schedule per claim.14

Chipped or cracked windscreen? You might be able to lower the excess for claims solely involving windscreens, window glass or sunroof glass.15

Licensing rules for older Australians in your state

What are the rules for a senior having a driver’s licence in NSW?

When you reach 75 years of age in NSW, you’re required to have a medical assessment every two years to keep your licence. Two months before you turn 75, NSW Roads and Maritime Services will send you a form to take to your doctor.

When you turn 85 in NSW, you may opt for a modified licence – this allows you to drive certain distances within your local area to access the services you need, such as shopping, community activities and medical appointments. If you want to continue with your unrestricted licence, you must have a yearly medical assessment and pass an on-road driving assessment every two years.

The above information is taken from Transport for New South Wales and is subject to change. Check the government site for updates.

An image of Sydney harbour

What are the rules for a senior having a driver’s licence in QLD?

For Queensland drivers over 75 who hold a Queensland driver’s licence, an annual medical assessment is required and you must always carry a current ‘Medical certificate for motor vehicle driver’ form when driving and comply with the stated conditions within it. Part of this form must be completed by your health professional, and if you don’t carry the form with you when driving, you could be fined.

The above information is taken from the Queensland Government website and is subject to change. Check the government site for updates.

An image of the Gold Coast coastline

What are the rules for a senior having a driver’s licence in VIC?

In Victoria, you’re allowed to drive up to any age, on the condition that you’re medically safe to drive. You’re not required to pass a licence test when you reach a certain age, but as you get older, you must notify VicRoads if you have – or develop – a medical condition or disability that could affect your driving.

In some cases, you may be required to undergo a medical review so your fitness to drive can be assessed. This may happen if concerns about your ability to drive safely have been reported to VicRoads.

The above information is taken from the VicRoads website and is subject to change. Check the government site for updates.

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What are the rules for a senior having a driver’s licence in WA?

In WA, once you reach the age of 80, you must undergo an annual medical assessment before you can renew your licence. You’ll need to complete a medical assessment certificate and undertake a medical exam with your health professional.

If your health professional is concerned about your fitness to drive, it may be recommended that you take a Practical Driving Assessment before your licence can be renewed.

The above information is taken from the WA Government website and is subject to change. Check the government site for updates.

The Elizabeth Quay Bridge in Perth

What are the rules for a senior having a driver’s licence in SA?

In SA, both you and your doctor are required to report any medical condition that could affect your ability to drive safely to the Registrar of Motor Vehicles. When you renew your licence, you may be required to undergo medical assessments, self-assessment and/or a practical driving assessment.

You’ll be sent a Certificate of Fitness in the mail and asked to visit a medical practitioner for a medical assessment in either of the following instances:

  • You have a medical condition recorded against your driver’s licence that is subject to a periodic review
  • You are aged 70 or older and hold a licence for a class of vehicle other than a car (e.g. a heavy vehicle or motorbike). 

The above information is taken from the SA Government website and is subject to change. Check the government site for updates.

A vineyard at sunset in South Australia.

What are the rules for a senior having a driver’s licence in the ACT?

If you hold a driver’s licence in the ACT, you have a responsibility to report – within 7 days – any long-term or permanent injury or illness that may affect your driving ability, respond truthfully to health professionals, follow any prescribed medical treatments, and comply with conditional licence requirements.

Conditional licence requirements are added onto your licence if you have a medical condition that may affect your driving. These can include:

  • Medical advice, such as ‘glasses must be worn’
  • Required vehicle modifications
  • Driving restrictions, such as ‘must drive only during daylight hours’
  • Requirements to see a health specialist for regular reviews and medical assessments.

Licence holders are required to have a vision test when they turn 50, 60, 65 and 70, and those over the age of 75 must also attend an annual medical examination to ensure continued safety on the road.

Licence holders over the age of 75 must also attend an annual medical examination to ensure continued safety on the road.
 
The above information is taken from the ACT Government website and is subject to change. Check the government site for updates.

An image of Parliament House in Canberra.

What are the rules for a senior having a driver’s licence in TAS?

In Tasmania, it’s your responsibility to regularly assess your fitness to drive, including any:

  • Permanent or long-term injury or illness you have
  • Changes to your physical or mental condition, including conditions affecting eyesight or hearing
  • Other factors that could affect your ability to drive, such as certain medications.

If you have a condition that affects your driving, there are a few different potential outcomes in Tasmania. You could:

  • Continue driving
  • Be required to have periodic medical assessments
  • Be required to undertake a driving assessment or occupational therapy driving assessment
  • Have conditions put on your licence (e.g. only driving during the day).

The above information is taken from the Tasmanian Older Drivers’ Handbook and is subject to change. Check the government site for updates.

A road overlooking The Nut in Tasmania.
Mature couple getting in a car

Looking for car insurance suitable for seniors that’s a bit more you-shaped?

Every senior driver is different – your experience on the road, your car and where you park each night. We also understand that life these days might mean less time behind the wheel and more local trips, which is why car insurance at Youi might suit your needs. For more information or to grab a quote, give us a call or get started online.

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How to save on car insurance for pensioners

A suitable car insurance for seniors policy may help cover the cost of repairs or damage if something goes wrong on the road. When you get a quote with Youi, we’ll talk through your options and help you understand where you might save.

Consider your car type

The car you drive – its age, condition, value, and even the make and model – might all play a part in the cost of seniors car insurance.

Reduce risk factors

It’s the little things that could make a difference – parking in a garage, driving less and avoiding demerit points might help you save on senior driving insurance.

Increase your excess

Excess is the amount you’re required to pay if you make a claim. A higher excess might mean a lower premium. Just keep in mind – it might also mean paying more if you do need to claim.

The car you drive – its age, condition, value, and even the make and model – might all play a part in the cost of seniors car insurance.

It’s the little things that could make a difference – parking in a garage, driving less and avoiding demerit points might help you save on senior driving insurance.

Excess is the amount you’re required to pay if you make a claim. A higher excess might mean a lower premium. Just keep in mind – it might also mean paying more if you do need to claim.

Happy homeowners admiring their home after a Youi claim

Enjoy outstanding customer service

When you need help, you may want genuine support without the hassle. That’s why we strive to answer your call in around 30 seconds.3 It’s this kind of dedication to our customers that saw us take home the 2026 WeMoney Award for Outstanding Customer Service.

FAQs about suitable auto insurance for seniors

Still have questions in your search for seniors car insurance? We might have the answers you’re looking for here.

There’s no one-size-fits-all answer – it depends on what you need and how you use your car. We might be biased, but if you ask us what makes Youi stand out, we’d say it’s our friendly service, cover options and 24/7 claims lodgement support. At the end of the day, it’s about choosing the policy that feels right for you.

Like all insurance, car insurance pricing is based on assessed risk. Age can be one of many factors that insurers consider when calculating premiums. Things like driving history and how often you’re on the road may also count when assessing risk.

Youi doesn’t offer a specific pensioners car insurance discount, but your premium is based on factors such as your driving history, how often you use your car and your vehicle type – so you may still find competitive pricing.

Free car insurance for seniors typically isn’t a thing in Australia. However, some people may qualify for lower premiums depending on factors like driving habits, vehicle type and claims history. It’s worth comparing your options to find a policy that suits your needs.

This depends on a variety of factors including the level of car insurance cover you choose; the make, model and age of your car; and how much your car insurance excess is.

To get the most accurate info about how much senior driving insurance for your car might cost with Youi, consider starting a car insurance quote today.

You might be able to lower the cost of your insurance by:

  • Considering the type of car you drive – its age, condition and value, as well as its make and model might all play a part in the cost of insurance for retirees.
  • Reducing your risk factors – parking in a garage, driving less and avoiding demerit points might also help you save on your insurance.
  • Increasing your excess – a higher excess, which is the amount you’re required to pay if you make a claim, might mean a lower premium.

Premiums for Australian pensioners’ car insurance may be lower for people who drive their car less rather than more frequently.

To discover whether how you use your car, including how often you drive it, might affect the cost of your insurance, consider starting a car insurance quote today.

There’s no definitive answer to this; however, in some states and territories, once you reach the age of 75, you may need to have an annual medical assessment or a health review to show that you’re still fit to drive. You can read more about the requirements around this, depending on where you live, above.

Yes – if you have a health condition that could affect your driving, you’ll need to inform your state or territory licensing authority.16

You may need to provide a medical report from your doctor which says you’re fit to drive.16

Mature couples relaxing under awning

Explore our other insurance options for seniors

If your routine as a senior Australian means you’ve swapped the daily commute for hooking up your caravan for a coastal getaway or taking the boat out on an early-morning fishing trip, we offer you-shaped insurance for those things too.

Explore our Watercraft insurance Explore our Caravan & Trailer insurance

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Disclaimers

Car Insurance issued by Youi Pty Ltd. Consider the Car PDS and TMD to decide if this product is right for you.
 
1 Youi Roadside Assist available with Comprehensive policies only. Exclusions, limits and additional fees may apply. Cover not available within 24 hours of taking out or upgrading to Comprehensive cover. For full details, see the Youi Roadside Assist T&Cs and Car PDS.
2 Where we arrange, authorise and pay a service provider for repairs, we will guarantee the quality of the repairs for as long as you or a listed driver are the owner of the insured property. The guarantee includes the rectification of any defects caused by poor workmanship, or faulty materials, related to these repairs. For full details, see the Car PDS.
3 Refers to average call answer times for Customer Services, excluding calls to Youi Roadside Assist.
4 Limits and exclusions apply. For full details, see the Car PDS.
5 Available with Comprehensive policies only. Limits and exclusions apply. For full details, see the Car PDS.
6 Available with Comprehensive and Third Party Fire & Theft policies only. If your car is a total loss from an insured event which occurs within 24 months of your car first being registered and if you or a listed driver purchased your car new or as a demonstrator car from a licensed dealer, we’ll replace it with a new one, or pay you the market value or agreed value as per your policy schedule. For full details, see the Car PDS.
7 Storm, Hail or Flood available with Comprehensive policies only. Fire available with Comprehensive and Third Party Fire & Theft policies only. Exclusions and limits may apply. Where you have increased your cover or reduced your excess within 72 hours of a flood, storm, hail or bushfire occurring, cover will be limited to the amount that was effective prior to the change. Loss, damage or legal liability caused by, resulting or arising from flood, storm, hail or bushfire during the first 72 hours of your policy first being purchased is excluded unless certain conditions apply. For full details, see the Car PDS.
8 Available with all levels of car insurance except CTP. Limits and exclusions apply. For full details, see the PDS.
9 Available with Third Party Fire & Theft or Third Party Property Only cover only. Conditions and limits apply. For full details, see the Car PDS.
10 Available with Comprehensive and Third Party Fire & Theft policies only. Limits and exclusions apply. For full details, see the Car PDS.
11 Available with Comprehensive and Third Party Fire & Theft policies only. Limits apply. For full details, see the PDS.
12 Available with Third Party Fire & Theft and Third Party Property Only policies. The most we will pay for each claim is the lesser of the market value of the insured car or $5,000 after excess. Conditions apply. For full details, see the PDS.
13 Optional cover available with Comprehensive policies only. Additional costs, limits and exclusions apply. For full details, see the PDS and your policy schedule.
14 Optional cover available with Comprehensive and Third Party Fire & Theft policies only. Additional costs, limits and exclusions apply. For full details, see the PDS and your policy schedule.
15 Additional costs and conditions apply. For full details, see the PDS and your policy schedule.
16 Source: Healthdirect – Medicines and driving, July 2025