Insurance 55+

Are you 55 years and over and looking to pay less for your auto insurance in Quebec in 2026? Good news: insurers consider you a low-risk driver. At Assur360, AMF certified chamber, our independent brokers compare 9+ insurers and uncover senior discounts, retired, and low mileage options that can save you up to 20% on your premium. Free quote in 3 minutes.

Driver 55 years of age and over — Assur360 car insurance

IN BRIEF

Car insurance for 55 years and over

Drivers aged 55 and over often benefit from experience discounts and adapted programs (Bel Âge at Beneva, Avantage 50+ at Promutuel, etc.). Discounts of up to 20%.

Conditions: clean driving record, up-to-date visual examination (SAAQ), and sometimes recognized refresher courses. Mention your age and history to benefit from the senior programs.

55 YEARS AND OVER — 2026

Senior discounts up to 20% — compare 9+ insurers

You are an experienced driver. Your premiums should reflect your good record.

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20 %

Senior discount possible

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55+

Your winning profile

The 6 exclusive discounts for those 55 years old and over

Your age and experience entitle you to several discounts that young drivers do not get. Here they are.

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Age discount (55-65+)

Discount of 5 to 20% automatic or to be requested depending on the insurer. Some trigger it as early as 50, others at 60 or 65.

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Retiree discount

Proof of retirement = reduced driving = additional discount with some insurers, up to 10%.

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Low mileage discount

Less than 12,000 km/year : up to 15% off. Under 8,000 km: even more. Report your mileage honestly.

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Multi-product discounts

Car + home + RV with the same insurer = 10-15% discount on each policy.

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Impeccable backrest discount

No accidents or tickets for 5+ years: some insurers offer an additional 10% loyalty super-discount .

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Safe Vehicle Discount

Automatic braking, blind spot detection, reversing camera: up to 8% more.

Get your best price in 4 steps

Call or request a quote online

Your basic information (license, vehicle, annual mileage, retirement). Less than 3 minutes.

Our brokers identify your discounts

We analyze 30+ companies to find the insurer that applies the most senior discounts to your profile.

You receive the best 55+ offer

By email or by phone at 1-866-357-4451. No commitment, it’s up to you.

Signature online or by mail

A broker will accompany you. Proof of pink insurance issued in less than 24 hours.

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Advice for retirees

Accurately report your actual annual mileage. Many retirees overestimate their use and pay too much. Do the math: typical journeys × 52 weeks. If you drive less than 10,000 km/year, you are entitled to a significant discount that is often not applied by default.

2026 rates observed for those 55 years old and over

Profile 55+	Vehicle Annual	Bonus*
55-64 Couple, 2 Vehicles, Good Record	Sedan + SUV	$1,080 – $1,320 (Combined)
Retired 65-74 years old, occasional driving	Compact Sedan	$520 – $720
65+ torque with a single vehicle	Midsize SUV	$680 – $860
Senior 75+, Local Drive	Classic Sedan	$580 – $780
55+ with 1 recent accident	Standard Sedan	$980 – $1,280

*Indicative rates 2026. Get your exact price in 3 minutes.

SENIOR DISCOUNTS 2026

You may be paying too much — check in 3 minutes

Our brokers compare 30+ companies and find all available 55+ discounts.

Compare 9+ insurers

Common mistakes 55+ make with their insurance

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Never shop

Keeping the same company for 20 years out of habit costs an average of $2,000 to $5,000 too much over 10 years. Shop every 1-2 years.

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Forgetting to mention retirement

Changing your status from active to retired changes your mileage and therefore your premium. Notify your broker as soon as you retire.

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Accept auto-renewal

The insurer will never spontaneously offer you its best price. A call to a broker = immediate comparison.

Recommended Coverages for 55+

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Liability $2M

Always recommended. Bodily injuries can easily exceed $1 million in Canada.

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Collision Protection

If your vehicle is less than 12 years old or is financed. Otherwise, assessable according to its value.

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Roadside Assistance

Breakdown assistance, towing, unlocking. Very useful for north-south travel and seasonal travel.

Service throughout Quebec for people 55 years of age and over

Our brokers serve seniors and retirees in all major cities: Montreal, Quebec City, Laval, Sherbrooke, Gatineau, Trois-Rivières, Saguenay, Thetford Mines, Drummondville and the regions. Phone service, clear communication and patience.

Frequently asked questions — Car insurance for people aged 55 and over

Is there really a car insurance discount for those aged 55 and over?

Yes. Most Quebec insurers offer a senior discount of 5 to 20% starting at 55 or 65 years old, depending on the company. This discount reflects the fact that experienced drivers statistically have fewer accidents than younger drivers.

At what age does the senior discount start?

It varies: some insurers start at 50 years old, others at 55, 60, or 65 years old. An independent broker from Assur360 can identify which insurer applies the discount the earliest for your profile.

Will my premium automatically decrease at 55?

Not always. Some insurers apply the discount automatically, while others do not. You often have to request it or shop around. This is one of the main reasons why those aged 55+ benefit from comparing every year.

Am I entitled to discounts if I am retired?

Yes. Retirees generally drive fewer kilometers per year (no commute), which significantly reduces risk and premium. Declare your low annual mileage — several insurers offer up to 15% discount.

Can I lose my senior discount after an accident?

The age-related discount does not disappear, but your overall premium may increase by 15 to 40% after a responsible accident. A broker can help you find a company that is less strict with claims history.

Is there special coverage for recreational vehicles (RV, convertible)?

Yes. RVs, motorized vehicles, and classic cars have dedicated policies with often favorable rates for those aged 55+ who use them seasonally. Assur360 compares several RV specialists.

Do I need to retake a driving test after 75?

The SAAQ requires a medical exam at 75 and 80 years old, then every 2 years. No practical driving test is mandatory. As long as your license is valid, your insurer typically covers you.

How can I get the best price at 60-70 years old?

1) Shop around every 1-2 years — premiums vary greatly between insurers for those aged 60+. 2) Combine auto + home insurance. 3) Declare your low mileage. 4) Take advantage of the retiree discount. Compare 9+ insurers in 3 minutes.

Do those aged 55+ really pay less than those aged 30-50?

Statistically, yes — up to the age of 70-75 years. After 75, premiums may slightly increase due to a higher risk of minor claims. But they remain almost always lower than at 25-35 years old.

Why trust Assur360?

✓AMF certified firm

✓ Members of the Insurance Chamber and the Insurance Chamber

✓More than 100,000 submissions processed

✓9+ insurers compared in 3 minutes

✓Independent brokers at your service

✓100% Quebec service

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Car insurance for those 55 and older — your best price in 2026

9+ insurers compared, all your senior discounts identified. No commitment.

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Last updated: June 25, 2026