Meta Pixel tracker

Nous utilisons des cookies pour mesurer l’audience et améliorer votre expérience. Vous pouvez accepter ou refuser. Consultez notre https://www.assur360.ca/en/privacy-policy-and-personal-information/.

Insurance 55+

Are you 55 years of age or older looking to pay less for your car insurance in Quebec in 2026? Good news: insurers consider you a low-risk driver. At Assur360, an independent comparison site, the brokers of our partner firms compare 9+ insurers and find senior, retiree and low-mileage discounts 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 OLDER — 2026

Senior discount of up to 20% — compare 9+ insurers

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

Free quote in 3 minutes
20 %
Senior discount possible
9+
Insurers Compared
3 min
By Submission
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.

🎯

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.

🏡

Retiree discount

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

📉

Low mileage discount

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

🔗

Multi-product discounts

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

🏆

Impeccable backrest discount

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

🚗

Safe Vehicle Discount

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

Get your best price in 4 steps

1

Call or request a quote online

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

2

Our partner brokers’ brokers identify your discounts

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

3

You receive the best 55+ offer

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

4

Signature online or by mail

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

💡

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 AnnualBonus*
55-64 Couple, 2 Vehicles, Good RecordSedan + SUV$1,080 – $1,320 (Combined)
Retired 65-74 years old, occasional drivingCompact Sedan$520 – $720
65+ torque with a single vehicleMidsize SUV$680 – $860
Senior 75+, Local DriveClassic Sedan$580 – $780
55+ with 1 recent accidentStandard Sedan$980 – $1,280

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

2026 SENIOR DISCOUNT

You may be paying too much — check in 3 minutes

Brokers from our partner firms compare 30+ companies and find all the 55+ discounts available.

Compare 9+ insurers

Common mistakes 55+ make with their insurance

❌

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.

❌

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.

❌

Accept auto-renewal

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

Recommended Coverages for 55+

🛡️

Liability $2M

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

🚗

Collision Protection

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

🧳

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

The brokers of our partner firms serve seniors and retirees in all major cities: Montreal, Quebec City, Laval, Sherbrooke, Gatineau, Trois-Rivières, Saguenay, Thetford Mines, Drummondville and the regions. Telephone service, clear communication and patience.

Related articles and useful pages

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

Is there really a car insurance discount for those 55 and over?
Yes. Most Quebec insurers offer a senior discount of 5 to 20% starting at age 55 or 65, depending on the company. This discount reflects the fact that experienced drivers statistically have fewer accidents than young drivers.
At what age does the senior discount start?
It varies: some insurers start at age 50, others at age 55, 60 or 65. A broker from our Assur360 partner firms identifies which insurer applies the discount the earliest for your profile.
Will my premium automatically decrease at age 55?
Not always. Some insurers apply the discount automatically, others do not. You often have to ask for it or shop elsewhere. This is one of the main reasons why 55+ gain from comparing each year.
Am I entitled to discounts if I am retired?
Yes. Retirees typically drive fewer kilometres per year (no commute to work), which significantly reduces risk and premiums. Report your low annual mileage — many insurers offer up to 15% off.
Can I lose my senior discount after an accident?
The age discount doesn’t go away, but your overall premium can increase by 15 to 40 percent after an at-fault accident. A broker can help you find a company that is less severe with claims files.
Is there special coverage for recreational vehicles (RVs, convertibles)?
Yes. RVs, motorhomes and classic vehicles have dedicated policies with often advantageous rates for 55+ who use them seasonally. Assur360 compares several RV specialists.
Do I have to take a driving test again after the age of 75?
The SAAQ requires a medical examination at the age of 75 and 80, and then every 2 years. No practical driving test is systematic. As long as your licence is valid, your insurer will normally cover you.
How to get the best price at 60-70 years old?
1) Shop around every 1-2 years — premiums vary wildly between insurers for 60+. 2) Combine car + home. 3) Report your low mileage. 4) Take advantage of the retiree discount. Compare 9+ insurers in 3 minutes.
Do 55+ really pay less than 30-50 year olds?
Statistically, yes — until the age of 70-75. After age 75, premiums may rise slightly due to a higher risk of minor losses. But they are 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

FREE QUOTE

Car insurance for 55 years and over — your best price in 2026

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

Get My Quote Call a broker
Scroll to Top