Car Insurance for over 50s: 5 ways to save!

Is Car Insurance for over 50s cheaper?

If you’re over 50, Car Insurance may be cheaper for you than it might be for a 20 year old who has only been driving for two years. In part, this reflects the lower risk presented by drivers with more experience. Premium prices can also be influenced by life changes that may have happened and not yet been taken into account.

For example, you may:

  • be working less
  • have never made an at-fault claim
  • have paid out the finance on your car, or
  • be driving less.

These sorts of factors can impact your premium.

5 ways you can save

Buy your Car Insurance online

It’s that easy! Save 10% First Year Online Discount*

Get Your Comprehensive Car Insurance Today!

Save with a Multi-policy discount*

You can save on your insurance by combining eligible policies. If you’re after, for example, Car Insurance and Home and Contents Insurance, you could save 10% off each one with our Multi-policy discount*.

You can combine any of our eligible policies, including:

  • Building Insurance
  • Contents Insurance
  • Motorcycle Insurance
  • Boat Insurance
  • Caravan Insurance
  • Motorhome Insurance
  • Car Insurance, and
  • Landlord Insurance.

Terms and conditions apply.

Drive safely

With our No Claim Bonus* you can get rewarded for being a safe driver and save money on your policy.

Each consecutive year you have Apia Comprehensive Car Insurance and don’t make a claim for an at-fault incident, you can earn a discount of up to 65%.

Increase your excess

If you opt to pay an increased excess on your Car Insurance policy, in return we will reduce your premium.

This might be a great way for someone over 50 to save on insurance costs upfront. Just take a moment to consider whether this is appropriate for you and your needs. If you ever need to make a claim and your claim is accepted and an excess is payable, you’ll then need to pay that chosen increased excess.

Drive less

One way to potentially reduce your premiums is to reduce the distance you drive. If you have Apia Comprehensive Car Insurance and find that you’re driving less than 20,000 km per year, you may be eligible to benefit from our Apia Drive Less Pay Less® discount*

If you haven’t reduced how far you drive, but it may be practical for you to do so, consider taking advantage of this benefit!

FYI, the Apia Drive Less Pay Less® discount* doesn’t apply to the portion of your premium that covers Roadside Assist or Windscreen and Window Glass cover, if you’ve chosen those optional covers.

Contact Apia to start saving on over 50s car insurance

You can start taking advantage of some, or all, of these ways to save. Just update your details if your circumstances have changed.

You can do this by using the 'Contact Apia' button below, or you can give us a call on 13 50 50.

Contact Apia

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*If you receive more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). The discounts we offer are subject to change.

Online discount is only available for new, eligible policies purchased online and will be applied upon purchase and subtracted from the premium. Online discount is not available with any other offers and does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist.​

Multi-policy discount (MPD) rewards you with a discount off your premium for holding two or more eligible paid Apia general insurance policies. There must be a common mailing address and the person(s) seeking the discount must be nominated as an insured with the same name on each eligible policy. If you take out a new policy and then qualify for the MPD, you are eligible to receive the discount on that new policy immediately and on your other existing eligible policies from their next renewal date, provided you still qualify. If you become eligible for the MPD around the time your other policies are due for renewal, the MPD may not have been applied to the renewing policies because the renewals were generated before you were eligible for MPD. Please contact us if you believe you are eligible for the MPD on your renewal but it is not shown on your certificate of insurance. See full terms and conditions.

Eligible policies that qualify for the MPD are Apia: home, contents, landlord, car, motorcycle, boat, caravan and motorhome insurance. To find out more about the multi-policy discount please phone us on 13 50 50.​

MPD does not apply to optional covers Personal valuables – unspecified items, Personal valuables – specified items, Apia Home Assist, Excess-free Glass cover or Apia Roadside Assist. ​

Drive Less Pay Less discount does not apply to optional covers Apia Roadside Assist and Windscreen and window glass cover. 

No Claim Bonus does not apply to optional covers Apia Roadside Assist, Windscreen and window glass cover, Contents cover, Personal valuables – unspecified items, Personal valuables –specified items, Annexe cover, Hire use cover. 

Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car, Caravan, Motorhome, Boat, Travel & Compulsory Third Party Personal Injury (CTP) Insurance.

Please consider the Product Disclosure Statement before buying this insurance. The Target Market Determination is also available.


This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.