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Car insurance for senior citizens in Canada can be a mixed bag. While seniors often have more driving experience and may qualify for discounts due to a long history of safe driving, aging can also introduce health issues that might raise insurance premiums. Here’s what you should know:

  1. Discounts for Seniors: Some insurance companies offer discounts for senior drivers, especially if they have a history of safe driving. It’s always a good idea to ask potential insurers about any available discounts.
  2. Age and Premiums: As drivers age, reaction times can slow, and vision and hearing might decline, which can potentially increase the risk of accidents. Some insurers might increase premiums as drivers reach a certain age. However, this is not a universal rule, and it varies by insurer and province.
  3. Driving History: A clean driving record with no at-fault accidents or traffic violations can lead to lower insurance premiums, regardless of age.
  4. Reduced Mileage: Many seniors drive less frequently than they did in their younger years, either because they’re retired or for other reasons. Some insurance companies offer discounts for reduced mileage.
  5. Defensive Driving Courses: Some provinces and insurance companies recommend or even offer discounts for seniors who take defensive driving courses designed specifically for older drivers.
  6. Medical Conditions: Certain medical conditions or medications can impact a person’s ability to drive safely. It’s crucial to discuss any changes in health with your insurance provider and doctor to ensure you’re still covered and safe to drive.
  7. Vehicle Type: Driving a vehicle with modern safety features can lead to lower insurance premiums. Features like automatic emergency braking, lane departure warnings, and blind-spot detection can help prevent accidents.
  8. Review Coverage Needs: As seniors age, they might no longer need comprehensive coverage, especially if they’re driving older cars that aren’t worth much. Reviewing and adjusting coverage can lead to savings.
  9. Shop Around: It’s essential to get quotes from multiple insurance companies to find the best rates and coverage options.
  10. Provincial Differences: Insurance regulations are provincially mandated in Canada. As such, the specifics of how age affects insurance premiums can vary from one province to another.

How Is Car Insurance Different for Seniors?

Car insurance for seniors can differ from coverage for younger drivers in several ways. As drivers age, various factors come into play that can impact their insurance rates and coverage needs. Here’s how car insurance might differ for senior citizens:

  1. Experience Discount: Many seniors have decades of driving experience. As a result, they might qualify for an experience or loyalty discount with some insurance companies if they have maintained a clean driving record.
  2. Reduced Mileage Discount: Seniors, especially those who are retired, might drive less than they used to. Less time on the road can translate to a reduced risk of accidents. Some insurance companies offer a discount for drivers who log fewer miles.
  3. Change in Premiums: As mentioned earlier, while many seniors may benefit from lower rates due to their experience, some might see an increase in premiums as they age. This is because, statistically, older drivers can have slower reaction times, vision, and hearing issues, leading to a higher risk of accidents.
  4. Defensive Driving Courses: Some insurance providers offer discounts to seniors who complete approved defensive driving courses designed for older drivers. These courses can refresh driving skills and account for age-related changes.
  5. Vehicle Modifications: Seniors might have vehicles that are modified for accessibility or comfort, and this can affect insurance premiums, depending on the nature and extent of the modifications.
  6. Health and Medications: Health conditions that can impair driving ability or medications with side effects that affect alertness can influence insurance coverage and rates. Seniors need to disclose any medical conditions and ensure they’re still fit to drive.
  7. Coverage Needs: Seniors may have different coverage needs. For instance, if they drive an older vehicle with a low current market value, they might opt for liability-only coverage instead of comprehensive coverage, reducing their premiums.
  8. Higher Medical Coverage: Older drivers might consider opting for higher medical coverage because medical issues resulting from an accident can be more severe or complicated due to age.
  9. Telematics Programs: Some insurers offer programs where they install a device in the car or use a mobile app to monitor driving habits. Safe driving behaviors can lead to discounts, and these programs might appeal to seniors confident in their driving skills.
  10. Estate and Beneficiary Considerations: Some seniors might want to adjust the beneficiary details of any insurance payout, especially if the insurance includes a component that pays out in the event of the policyholder’s death.

How Much Does Car Insurance For Seniors Cost?

Auto insurance rates for senior citizens in Canada can vary based on factors such as the driver’s age, driving record, and location. Here is an example of what a senior citizen might pay for auto insurance per year and per month, based on a sample driver profile, in 10 major cities across three provinces.

Driver Profile:

  • 65-year-old driver
  • No accidents or tickets in the past five years
  • Owns a 2018 Honda Accord LX
  • Drives an average of 12,000 km per year
  • Purchases a standard auto insurance policy with $1 million in liability coverage and a $1,000 deductible


  1. Toronto: $1,400 per year or $117 per month
  2. Ottawa: $1,200 per year or $100 per month
  3. Mississauga: $1,300 per year or $108 per month
  4. Brampton: $1,500 per year or $125 per month
  5. Hamilton: $1,200 per year or $100 per month
  6. London: $1,100 per year or $92 per month
  7. Markham: $1,400 per year or $117 per month
  8. Vaughan: $1,300 per year or $108 per month
  9. Kitchener: $1,100 per year or $92 per month
  10. Windsor: $950 per year or $79 per month


  1. Calgary: $1,000 per year or $83 per month
  2. Edmonton: $900 per year or $75 per month
  3. Red Deer: $850 per year or $71 per month
  4. Lethbridge: $800 per year or $67 per month
  5. Fort McMurray: $1,100 per year or $92 per month
  6. Grande Prairie: $900 per year or $75 per month
  7. Medicine Hat: $800 per year or $67 per month
  8. Airdrie: $1,000 per year or $83 per month
  9. Spruce Grove: $900 per year or $75 per month
  10. Leduc: $850 per year or $71 per month


  1. Montreal: $1,000 per year or $83 per month
  2. Quebec City: $900 per year or $75 per month
  3. Laval: $950 per year or $79 per month
  4. Gatineau: $800 per year or $67 per month
  5. Longueuil: $950 per year or $79 per month
  6. Sherbrooke: $800 per year or $67 per month
  7. Saguenay: $750 per year or $63 per month
  8. Trois-Rivières: $800 per year or $67 per month
  9. Terrebonne: $1,000 per year or $83 per month
  10. Saint-Jean-sur-Richelieu: $800 per year or $67 per month

Please keep in mind that these are example rates for a specific driver profile and do not represent the exact cost that any given driver may pay. Actual insurance rates may vary depending on several individual factors. Additionally, insurance companies may offer specific discounts or benefits to senior citizens, so it’s worth shopping around and comparing quotes from multiple providers.

List of Best Car Insurance Companies For Senior Citizens

Below is a general list of reputable insurance companies in each province that have historically offered competitive rates or services tailored to seniors.

  1. British Columbia (BC):
    • ICBC (Insurance Corporation of British Columbia): All basic auto insurance in BC is provided by ICBC, but there are private insurers for optional additional coverage.
    • BCAA (British Columbia Automobile Association)
  2. Alberta:
    • Intact Insurance
    • TD Insurance
    • AMA (Alberta Motor Association)
  3. Saskatchewan:
    • SGI (Saskatchewan Government Insurance): Provides basic auto insurance, but residents can also seek additional coverage from private insurers.
  4. Manitoba:
    • MPI (Manitoba Public Insurance): Provides basic auto insurance, with private insurers offering additional optional coverage.
  5. Ontario:
    • Belairdirect
    • The Personal
    • Desjardins Insurance
    • State Farm
    • Allstate
  6. Quebec:
    • SAAQ (Société de l’assurance automobile du Québec): Provides injury coverage. Property damage coverage is obtained from private insurers.
    • Desjardins Insurance
    • Intact Insurance
    • Belairdirect
  7. New Brunswick:
    • TD Insurance
    • Allstate
    • Intact Insurance
  8. Nova Scotia:
    • TD Insurance
    • Intact Insurance
    • Economical Insurance
  9. Prince Edward Island (PEI):
    • TD Insurance
    • Intact Insurance
    • The Co-operators
  10. Newfoundland and Labrador:
  • TD Insurance
  • Intact Insurance
  • Aviva
  1. Yukon, Northwest Territories, and Nunavut:
  • Given the smaller population and unique challenges of these territories, fewer insurers operate here. Still, residents might consider checking with national providers like Intact, Aviva, or TD Insurance.

Best cars to insure for senior drivers in Canada


Selecting the right car can significantly impact insurance rates for senior drivers. Here’s a list of some suitable cars for senior drivers in Canada based on factors such as safety, reliability, and cost of ownership. These vehicles tend to be cheaper to insure due to their safety features and favorable loss history.

1. Subaru Forester

  • Why: Highly rated for safety, with features like EyeSight Driver Assist Technology.
  • Average Insurance Rate Range: CAD $1,100 – $1,500 annually.

2. Honda CR-V

  • Why: Reliable with excellent safety scores. Comes with Honda Sensing Suite, which includes various driver assistance technologies.
  • Average Insurance Rate Range: CAD $1,200 – $1,600 annually.

3. Toyota RAV4

  • Why: Known for reliability and strong safety features, including Toyota Safety Sense.
  • Average Insurance Rate Range: CAD $1,100 – $1,550 annually.

4. Hyundai Tucson

  • Why: Features Hyundai SmartSense safety technology and has a reputation for reliability.
  • Average Insurance Rate Range: CAD $1,150 – $1,500 annually.

5. Mazda CX-5

  • Why: Offers i-Activsense safety technology and has a good overall safety rating.
  • Average Insurance Rate Range: CAD $1,200 – $1,650 annually.

6. Ford Escape

  • Why: Equipped with Ford Co-Pilot360, a suite of driver assist technologies, and has a long-standing reputation in the compact SUV segment.
  • Average Insurance Rate Range: CAD $1,250 – $1,700 annually.

7. Kia Soul

  • Why: Affordable, reliable, and equipped with Kia Drive Wise safety technology.
  • Average Insurance Rate Range: CAD $1,100 – $1,500 annually.

8. Chevrolet Equinox

  • Why: Comes with Chevy Safety Assist, offering an array of safety features.
  • Average Insurance Rate Range: CAD $1,200 – $1,650 annually.

9. Nissan Rogue

  • Why: Features Nissan Safety Shield 360 and has a favorable safety rating.
  • Average Insurance Rate Range: CAD $1,150 – $1,600 annually.

10. Volkswagen Tiguan

  • Why: Reliable with a suite of safety features, including Front Assist and Side Assist.
  • Average Insurance Rate Range: CAD $1,250 – $1,700 annually.

A few reasons why these cars might be more affordable for seniors to insure:

  • Safety Features: Modern cars equipped with advanced safety technologies can help prevent accidents, which is particularly appealing to insurers.
  • Reliability: Reliable vehicles tend to have fewer claims related to breakdowns or malfunctions.
  • Cost of Repairs: Cars with parts that are readily available and affordable can be cheaper to insure as they cost less to repair.

Do Seniors Get a Discount on Auto Insurance?

Yes, in Canada, many auto insurance companies offer discounts for senior citizens. However, the specifics of these discounts can vary based on the insurer and the province. Here’s a breakdown:

  1. Age-Based Discounts: Some insurers offer discounts purely based on age. Once drivers reach a certain age (often 50 or 60), they may qualify for these senior discounts.
  2. Experience Discounts: Having decades of driving experience can lead to a reduced premium, especially if the senior driver has maintained a clean driving record throughout their driving years.
  3. Retirement Discounts: Some insurers might offer discounts to those who are retired, under the rationale that these drivers are no longer commuting daily and thus are less likely to be involved in an accident.
  4. Reduced Mileage: If a senior drives less frequently than before—perhaps because they’re retired or lead a less active lifestyle—they might be eligible for a reduced mileage discount.
  5. Defensive Driving Courses for Seniors: Certain provinces and insurance companies recommend or provide discounts for seniors who take defensive driving courses tailored for their age group.
  6. Membership & Affiliations: Some organizations, like CARP (Canadian Association for Retired Persons), may offer benefits or discounts on auto insurance for their members.
  7. Adjustment in Coverage: This isn’t a discount per se, but some seniors may opt to reduce their coverage (e.g., dropping collision coverage on an older vehicle) to save on premiums. However, it’s crucial to understand the implications and potential risks of doing so.
  8. Multiple Policy Discounts: Seniors who bundle their auto insurance with other types of insurance (like home or travel insurance) might receive discounts for holding multiple policies with the same insurer.

The Advantages of Being a Senior Driver In Ontario

Senior citizen

Being a senior driver in Canada can come with several advantages. These advantages may be influenced by provincial regulations, insurance practices, and societal considerations. Let’s explore some of the benefits senior drivers might enjoy, province by province:

1. British Columbia (BC)

  • ICBC offers discounts to seniors on their auto insurance.
  • Seniors may qualify for the BC Bus Pass Program, allowing them more flexibility to opt for public transport when they don’t want to drive.

2. Alberta

  • AMA (Alberta Motor Association) offers membership discounts that might benefit seniors, including on insurance products.
  • Seniors have the opportunity to take refresher driving courses to bolster their skills.

3. Saskatchewan

  • SGI provides mature driver refresher courses.
  • Senior citizens might benefit from rate discounts based on their long driving history.

4. Manitoba

  • Manitoba Public Insurance offers a mature driver’s workshop.
  • Based on safe driving records, seniors may be eligible for lower insurance premiums.

5. Ontario

  • Seniors might qualify for the Ontario Drug Benefit, which, while not directly related to driving, can affect the overall costs of living for seniors.
  • Insurance companies often offer age-based discounts for mature drivers.

6. Quebec

  • The SAAQ offers information and resources specifically tailored for senior drivers.
  • Some insurance providers offer senior-specific discounts on auto insurance premiums.

7. New Brunswick

  • Seniors might benefit from insurance discounts based on their driving history.
  • Resources and refresher courses for senior drivers are available.

8. Nova Scotia

  • Mature drivers might be eligible for insurance discounts based on their experience.
  • Driving courses tailored to senior drivers are available.

9. Prince Edward Island (PEI)

  • Seniors can benefit from insurance discounts with a clean driving record.
  • Age-specific driving resources and courses might be available.

10. Newfoundland and Labrador

  • Insurance companies may offer discounts to senior drivers.
  • Resources and courses for mature drivers are available.

11. Yukon, Northwest Territories, and Nunavut

  • Given the unique driving conditions in these territories, experience is valued, and senior drivers with clean records might benefit from insurance discounts.
  • Driving courses and resources tailored to the conditions of these territories can assist senior drivers.

General Advantages Across Provinces:

  • Experience: Senior drivers, by virtue of their age, often have decades of driving experience, making them more accustomed to various driving scenarios.
  • No Commute: Many seniors are retired and no longer have daily commutes, potentially reducing the wear and tear on their vehicles and decreasing their risk of rush-hour accidents.
  • Flexible Schedule: Seniors often have the flexibility to drive during off-peak hours, avoiding heavy traffic.

While there are advantages, senior drivers might also face challenges such as age-related health issues that could impact driving. Regular health check-ups, eye exams, and potentially even refresher driving courses can help seniors continue to drive safely.

Factors That May Help Seniors Obtain Lower Car Insurance Rates

Several factors can help seniors secure lower car insurance rates. Insurance premiums are determined based on risk assessments, and many elements associated with senior drivers can translate to decreased risks for insurance companies. Here are the factors that might help seniors get favorable rates:

  1. Driving Experience: Seniors typically have many years of driving under their belts. A long and extensive driving history can be advantageous when insurers assess risk.
  2. Clean Driving Record: If a senior has a history of safe driving with few or no accidents or traffic violations, this can significantly reduce their insurance rates.
  3. Low Mileage: Many seniors are retired and no longer commute to work daily. This reduction in driving frequency and distance can lead to lower rates, especially if they qualify for a low-mileage discount.
  4. Defensive Driving Courses: Some insurance companies offer discounts to seniors who complete defensive driving or refresher courses designed for older drivers.
  5. Vehicle Choice: Driving a safer, modest, and less sporty vehicle can lead to reduced insurance premiums. Many newer cars come equipped with safety features such as automatic braking, lane departure warnings, and backup cameras, which can also lower rates.
  6. Multi-policy Discounts: Bundling auto insurance with other insurance types (like home or health insurance) can result in discounts.
  7. Membership Discounts: Some organizations or clubs for seniors have partnerships with insurance companies that offer member discounts.
  8. Payment Methods: Opting for automatic payments, paying the premium in full (instead of monthly), or going paperless might offer additional discounts.
  9. Adjusting Coverage: If a senior drives an older vehicle, they might consider dropping certain coverages, like collision or comprehensive coverage, especially if the car has a low current market value. This can result in significant savings, though it’s essential to weigh the benefits and potential risks.
  10. Dedicated Senior Discounts: Some insurance companies have specific discounts tailored for senior citizens.
  11. Homeownership: Being a homeowner can sometimes result in discounts, as it might be seen as a sign of stability.
  12. Safety Features and Anti-Theft Devices: Having additional safety or anti-theft devices installed in the vehicle can sometimes qualify seniors for additional discounts.
  13. No Lapse in Coverage: Maintaining continuous car insurance without any gaps can positively impact rates.
  14. Higher Deductibles: Opting for a higher deductible (the amount paid out of pocket in the event of a claim) can lower the premium. However, seniors should ensure they can afford the deductible amount if needed.

Is There An Age When You Can No Longer Obtain Auto Insurance in Ontario?

Old Man Driving Car

In Ontario, there is no specific age at which an individual is automatically prohibited from obtaining auto insurance. The insurance industry in Ontario operates on a risk-based system, which means insurers assess the likelihood of an individual filing a claim based on various factors.

However, age can play a role in how insurance companies evaluate risk. As individuals grow older, health issues or decreased reaction times may affect their driving abilities, potentially increasing their risk in the eyes of insurers. But this doesn’t mean seniors are universally deemed high-risk. Many older drivers maintain excellent driving records and are in good health.

What seniors might encounter as they age include:

  1. Increased Premiums: Some insurance companies may raise rates for older drivers based on the statistical risks associated with age.
  2. Required Medical Documentation: Depending on the circumstances, some insurers might request medical documentation to ensure that an older driver is still fit to drive.
  3. Coverage Limitations: In rare cases, based on a combination of age, health, and driving record, insurers might limit the types of coverage they’re willing to offer.

However, the Ontario Human Rights Code prohibits discrimination based on age (among other factors). This means insurance companies cannot deny coverage solely based on age. But they can base decisions on age combined with other risk factors, like health and driving record.

It’s essential for older drivers to be proactive:

  • Medical Check-ups: Regular medical exams can ensure that they are fit to drive.
  • Driving Courses: Some organizations offer refresher driving courses tailored for seniors, which can be a good idea both for safety and possibly for insurance discounts.
  • Shop Around: If one insurance company offers a rate that seems unreasonably high or refuses coverage, it’s a good idea to get quotes from multiple insurers.

If a senior believes they have been unfairly denied insurance or offered exorbitant rates solely because of their age, they may consider seeking legal advice or contacting the Ontario Human Rights Commission.

Car Insurance For Seniors FAQs


1. Do seniors get discounts on car insurance in Canada?

Answer: Yes, many insurance companies in Canada offer discounts for senior drivers. These can be based on age, reduced mileage, long-standing good driving records, completion of defensive driving courses, and other factors.

2. At what age do drivers qualify for senior discounts in Canada?

Answer: The specific age can vary by insurer, but generally, drivers start to qualify for senior discounts between the ages of 50 and 65.

3. Can an insurance company deny coverage to a senior based solely on age?

Answer: No, the Ontario Human Rights Code and similar regulations in other provinces prohibit discrimination solely based on age. However, insurers can consider age alongside other factors like health and driving record.

4. Are there driving courses specifically for seniors?

Answer: Yes, there are defensive driving and refresher courses designed specifically for senior drivers in Canada. These can help seniors adapt to age-related changes and might also lead to insurance discounts.

5. How does reduced mileage impact insurance premiums for seniors?

Answer: Many seniors drive less frequently, especially if they’re retired. Less time on the road often translates to a reduced risk of accidents. Some insurance companies offer discounts for reduced mileage.

6. Should seniors adjust their coverage as they age?

Answer: Possibly. If a senior drives an older vehicle with a low current market value, they might consider dropping certain coverages, like collision or comprehensive, to save on premiums. However, the benefits and potential risks of such decisions should be weighed carefully.

7. Can medical conditions affect a senior’s car insurance rates?

Answer: Yes. Certain medical conditions or medications that can impact a person’s ability to drive safely might affect insurance premiums or eligibility. It’s essential to discuss any health changes with the insurance provider.

8. Are there provincial differences in how car insurance for seniors is handled?

Answer: Yes, insurance regulations are provincially mandated in Canada. Therefore, the specifics of car insurance for seniors can vary from one province to another.

9. How often should seniors review their car insurance policy?

Answer: It’s a good idea for seniors, like all drivers, to review their insurance policy annually or whenever there’s a significant change in their driving habits, vehicle, or health.

10. How can seniors ensure they get the best car insurance rates?

Answer: Seniors should shop around, get multiple quotes, consult with insurance brokers, ask about discounts, and review their policy terms regularly. They should also maintain a clean driving record and stay informed about any medical conditions that might affect their driving.

driving sedan

11. Is there an age limit to when seniors can no longer drive in Canada?

Answer: No, there isn’t a specific age limit for driving in Canada. However, as individuals age, they may be subjected to more frequent medical and vision tests to ensure they can drive safely.

12. How do age-related health issues impact car insurance?

Answer: Age-related health issues, such as impaired vision, hearing loss, or cognitive decline, can affect one’s ability to drive safely. Insurance companies might request medical documentation or adjust premiums based on the perceived risk these conditions might introduce.

13. Can a senior’s license be revoked based on health?

Answer: Yes. If a medical professional deems a senior (or any driver) unfit to drive due to a health condition, they are obligated to report this to the licensing authority, which can lead to license suspension.

14. How do accident benefits work for retired seniors?

Answer: Accident benefits provide compensation for medical treatments, rehabilitation, and other expenses after a collision. For seniors who are retired and not earning an income, the loss-of-income benefit might not apply, but they can still access other benefits for medical care and recovery.

15. Are there insurance companies that specialize in policies for seniors?

Answer: Some insurance companies might have tailored policies or special programs for seniors, recognizing their unique needs and driving habits. It’s worth exploring multiple providers to find one that offers such specialized services.

16. Do seniors need to inform their insurance company about changes in their health or medication?

Answer: Yes, it’s a good idea to inform the insurance company about significant changes in health or medication that could affect driving ability. Transparency ensures the coverage remains valid, and the senior is adequately protected.

17. How does bundling insurance help seniors?

Answer: Seniors, like other consumers, can often save on insurance premiums by bundling various insurance policies (e.g., home and auto) with the same provider.

18. How do safety features in vehicles impact insurance for seniors?

Answer: Modern vehicles come equipped with numerous safety features like lane departure warnings, automatic emergency braking, and adaptive cruise control. These features can lower the risk of accidents, which might lead to reduced premiums for seniors.

19. What should seniors do if they feel their rates are too high due to age?

Answer: Seniors should shop around, obtain quotes from multiple providers, and consider consulting with an insurance broker. They can also inquire about discounts or take defensive driving courses to potentially lower their rates.

20. What resources are available for seniors regarding driving and insurance?

Answer: Provincial and territorial governments often have resources for senior drivers. Organizations like the Canadian Association of Retired Persons (CARP) and the Canadian Automobile Association (CAA) offer information and benefits related to driving and insurance for seniors.

About the Author: Valerie D. Hahn

Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.

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