Chic Beach Coverups for Ladies Over 40
I love the beach, but I’m not much of a sun worshipper. You won’t find me lying out for hours in my bathing suit, trying to get a tan. I’m more the type to take a stroll along the boardwalk, peek into the little shops, or grab lunch with a view. And for that kind of day, a chic beach cover-up is a must.
Don’t get me wrong—a swimsuit that makes you feel good is always worth celebrating (especially after 40!). But the real star of any beach or pool day, in my opinion, is a fabulous cover-up. It pulls your whole look together, gives you just the right amount of coverage, and adds that extra bit of confidence when you’re walking around.
If you’re looking for one that checks all the boxes, I’ve rounded up some stylish options you’re going to love.
Pink wrap swimsuit | Eyelet Coverup | Woven Sandals | Woven Tote
Are you in the market for a new swimsuit? Hop over to:
- The Most Flattering Bathing Suits for Women Over 40
- Classy Swimsuits for Women Over 50 That Show You’ve Still Got It!
Chic Beach Coverups for Ladies Over 40
What Should Women Over 40 Look for in a Swim Coverup?
Comfort and confidence are key. Look for styles that offer:
- Lightweight, breathable fabrics that keep you cool and comfortable.
- Coverage where you want it—maybe you prefer something that hits mid-thigh or has a sleeve.
- A flattering cut—think drawstrings to define the waist or side slits for ease of movement.
- Something that looks just as good off the beach as it does on—bonus points if you can wear it out to lunch!
Can You Wear a Swim Coverup as Regular Clothing?
Absolutely! That’s the beauty of a well-chosen coverup: many coverups double as cute summer dresses, tunics, or even tops. Throw one over your swimsuit for the beach, then pair it with sandals and earrings and head straight to dinner. It’s all about versatility—especially when packing light for a vacation.
Should Swim Coverups Be Loose or Fitted?
It really depends on your style and comfort level. Flowy coverups, like Kaftans, are loose, and cool for hot days. Many gals love the look of an oversized button-up shirt, which is a little more structured.
If you prefer a more fitted coverup, look for styles that are cinched at the waist or under the bust. A wrap style is good, too. The goal is to find something a little breezy and relaxed but not so loose and shapeless that you look frumpy. Think cute, colorful, and a touch alluring.
Best Beach Coverups for Ladies Over 40
J.Crew Relaxed Fit Beach Shirt
If you like your cover-ups to feel effortless yet pulled together, check out this bestselling beach shirt. The relaxed fit gives it that easy, borrowed-from-the-boys look, while the crisp cotton keeps it feeling fresh and feminine. Toss it on over your suit in the morning, then wear it with white jeans and sandals later on.
Talbots Aqua Club Eyelet Dress Coverup
This one’s for the days when you want to feel polished, even poolside. The eyelet fabric gives it a pretty, feminine touch, and the relaxed fit keeps it breezy and comfortable. It’s easy to slip on over your suit and just dressy enough to wear straight to lunch without skipping a beat.
Aqua Club Pareo Coverup
A pareo is one of those timeless pieces every woman should own. You can tie it around your waist, wear it as a halter dress, or even drape it as a shawl. This one has a soft, lightweight fabric in a gorgeous indigo pattern.
Lilly Pulitzer Shirtdress Coverup
If you love bright colors like I do, this shirtdress cover-up is a winner! The button-down style gives it a bit more structure, but the lightweight fabric keeps it feeling easy and effortless. Toss it over your suit, add a pair of sunnies, and you’re good to go.
Lilly Pulitzer Maxi Coverup
This gauze shirtdress coverup is so timeless and classic! The pastel pink, maxi length, and flattering cut make it perfect for days by the water. Add a pair of sandals and a woven tote bag, and you’ll be ready to head to the lake, pool, or beach!
Coolibar UPF 50+ Hooded Coverup
If you’re looking for extra sun protection without sacrificing style, this sporty hooded coverup is a great option. It features a hood, long sleeves, and built-in UPF 50+ protection, making it perfect for long days in the sun. The fabric is lightweight and breathable, allowing you to stay cool while keeping your skin protected.
Tommy Bahama Coverup Drawstring Pants
Are you not in the mood for a dress? These drawstring pants are cute. They’re soft, flowy, and easy to wear—just pull them on over your suit and go. You can even pair them with a tank or tunic for a casual summery look!
La Blanca Polynesian Tie Front Coverup
This tie-front cover-up has a shape that’s forgiving in all the right places. It’s lightweight, easy to pack, and great for everything from pool parties to beach vacations!
La Blanca Beach Cotton Cover-Up Shorts
If you are traveling somewhere hot this summer, you might want to consider a pair of cover-up shorts. These have an elastic waistband, making them easy to slip on, and the breathable cotton is perfect for hot, sunny days. Pop them over your one-piece, or throw on a tank with your bikini top when you’re ready to head out for a stroll or grab lunch.
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