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What our users say:

February 16
Fast and easy good response
Fast and easy good response
Robert Burke
February 16
Great service
Great service
Waseem Akhter
February 15
Website is easy to use the…
Website is easy to use the representatives were so helpful, wasn't on hold long ...
February 15
very easily approach for info and clear…
very easily approach for info and clear to understand
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
February 14
The person i talked made it easy she…
The person i talked made it easy she was easy to talk to she quick and i feel i ...
Calvin Shelley
February 13
very good and easy
very good and easy
Noel Tavas
February 10
The agent was very pleasant
The agent was very pleasant and thorough. She reviewed the important informatio...
Bernard Wrobleski
February 10
Finally service
Knowledgable friendly considerate and concerned
Rick D
February 9
Very fast
Very fast, efficient and helpful. I would not hesitate to recommend this company...
Anna Paquette
February 9
Friendly approach and talk and showing…
Friendly approach and talk and showing kindness and help.
Abdul Lodin
February 7
The agents i dealt with were amazing
The agents i dealt with were amazing! Thank you to Juliana & Alicia
Concetta Mastrangelo
February 7
Very Kind and Patient
Very kind all the way through. Took time to explain every step and were patient ...
Hunter Hughes
February 2
Easy to use and quick follow up
Easy to use and quick follow up. Thanks .
Terry Collins
January 31
Very pleasant to deal with.
Very pleasant to deal with.
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
July 13
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin

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Car insurance for senior citizens: what you need to know

Even as they age, many senior citizens continue driving and with a rapidly growing senior population in Canada, more older drivers can be expected on the road in the coming years.

Having years of driving experience reduces premiums. While senior discounts are frequently offered by insurers, premiums can vary widely between companies due to a number of factors. That’s why shopping around for senior car insurance is essential.

Find the lowest auto insurance rates for seniors today by comparing them using By using our free online tool, you can compare rates from more than 50 auto insurance companies almost instantly.

If you’re in the market to find the best car insurance rates for seniors, read on to learn more about getting Canadian car insurance that fits your needs. and about how to reduce your insurance premiums. You can also start shopping around now by using our comparison tool.

Follow these safety tips to keep your car insurance rates low as a senior

Monitor your health

To help you drive safely, make sure to get regular checkups on your hearing, vision and overall health. If you have glasses and/or hearing aids, always wear them when you drive. If you take medication, check with your doctor or pharmacist to make sure it is safe to use while driving.

Keep your distance

Allow for extra distance between your vehicle and the one in front of you to help prevent accidents.

Reduce nighttime driving

If you have reduced vision or don’t feel comfortable driving at night, stick to daytime driving only. Consider taking a taxi or catching a ride with a loved one if you need to travel after dark.

Drive in ideal conditions

Driving in heavier traffic, especially on highways, can be more challenging as you age. Avoid rush hour and poor weather conditions when you can. Drive only when you are well-rested and prepared. Avoid distractions, like eating or using your cellphone while driving.

Break up your trips

Try and avoid long hours of continuous driving whenever possible by breaking up longer trips or sharing driving responsibilities with someone you trust.

Refresh your skills

Consider taking a refresher driving course designed for older drivers. Depending on your insurer, updating your driving skills might get you a discount on your insurance premium.

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See how our customers with collision coverage save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from February 20, 2024
Male, 33 years old
Lowest Rate
Average Rate
Quote from February 20, 2024
Male, 24 years old
Lowest Rate
Average Rate
Quote from February 20, 2024
Male, 31 years old
Lowest Rate
Average Rate

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Frequently asked questions about car insurance for seniors, answered.

What is the best type of car insurance for seniors?

There are no specific senior car insurance plans. Instead, senior drivers must purchase the same set of basic requirements as those for drivers of all ages according to provincial regulations. This is true whether trying to find car insurance for seniors over 65 or auto insurance for seniors over 80. The main differences come from optional policy add-ons, and the need for these varies person-to-person.

Drivers who select coverage beyond minimum requirements will pay more for auto insurance. This includes collision coverage which takes care of repair or replacement costs due to collision with an object, property or another vehicle. It can also mean being covered for perils like natural disasters or theft. The decision whether to purchase these depends on a driver’s risk tolerance, budget as well as their vehicle. For instance, drivers with older model vehicles may not find collision coverage necessary.

Getting the best car insurance for elderly drivers means comparing different options and finding one that meets your needs and budget. Using an online rate comparison tool like’s lets you do so in minutes.

Do seniors pay more for car insurance?

Generally, seniors pay lower than average car insurance rates. However, as people reach their mid-70s and beyond, they could see their premiums increase. That’s because as drivers age, their risk of getting into an automobile accident increases.

To find the cheapest auto insurance for senior citizens, shopping around helps. can help you find the best car insurance for seniors in Canada in just a few minutes. By entering your postal code and clicking “Get Started,” you can compare insurance quotes from 50+ Canadian providers.

What is the best car insurance company for seniors?

No company offering auto insurance for seniors has a single policy that is best for everyone, including for senior drivers. This is because a variety of factors impact auto insurance quotes and because drivers have different needs. Rates will go up or down depending on a policyholder’s automobile, individual needs, personal driving history and postal code, among other factors.

The easiest way to ensure you get the best policy that suits your needs is by shopping around and comparing quotes from multiple car insurance companies. can help you compare car insurance for seniors within minutes, helping you find a premium that meets your needs and budget. The best auto insurance for retirees is only a few clicks away.

Are there special rates or discounts for seniors?

By age 55, most drivers will see the cost of their car insurance reduced. But to lower costs even further, there are other discounts senior drivers can take advantage of, some of which can be bundled together for extra savings.

One option to get discount car insurance for seniors is being a member of an affiliate or alumni group. For example, members of the Canadian Association for Retired Persons (CARP) can purchase discounted car insurance through a group policy exclusive to association members.

Getting senior citizen auto insurance discounts can include combining discounts available to all drivers, like bundling home and auto insurance with the same company, installing winter tires or reducing annual mileage. Installing approved anti-theft devices or other safety features on an automobile can help trim back premiums as well. (Always verify a device’s eligibility before purchasing and installing it.) There may also be opportunities to reduce senior car insurance costs by upgrading driving skills at an accredited driving school.

By combining these discounts, it’s possible for you to pay below average rates for senior car insurance. When shopping around for different policy options using the, all drivers regardless of age, can find premiums that best fit their needs and budget.

How can seniors get a cheaper car insurance rate?

Getting a cheaper car insurance rate starts by understanding how they are calculated. While some factors in getting a cheaper car insurance rate are out of a senior driver’s hands, many aren’t. Here are some ways to save.

Looking to purchase a car? Choose a simple model without complicated options, or a pre-owned vehicle. These sorts of cars tend to cost less to fix in case of collision and aren’t as attractive to thieves. This means they typically cost less to insure compared to new high-performance or luxury models.

By making a lump sum annual payment or installing winter tires, seniors will receive discounts at many insurance companies. By taking advantage of some of the many discounts offered, it’s possible to lower senior car insurance prices. In addition, reviewing coverage annually and cancelling optional insurance that is no longer needed can also help keep premiums down. For instance, it may not make economic sense for drivers with older cars to pay for collision coverage.

To get affordable car insurance for senior citizens, your best course of action is to shop around. Not every company will offer you the same discount options or similar premiums. By using a comparison tool like, only a few minutes separate you from finding cheap car insurance that fits your needs.

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