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Low-mileage and retiree discounts, and what changes as you age.
Experienced drivers often get some of the best rates, but prices can rise again later in life and licence rules change. In Ontario, for example, drivers 80 and older renew their licence every two years with a vision test and screening.
Driving less is the biggest lever: retiree, low-kilometre and telematics programs reward it. An advisor can also check that coverage still fits your car, such as whether collision is worth keeping on an older vehicle.
Or call +1 877 610 6554 · Monday to Friday, 9 a.m. to 6 p.m. ET
Who it’s for
Coverage
Lower premiums when you no longer commute.
Reduced coverage while a car is stored for the winter.
Protects a long claims-free record from one accident.
Checking deductibles and whether collision still pays on an older car.
Before you buy
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Every request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.
Learn before you buy
There is no official national average. The latest official figures put Ontario at $2,164 a year, Alberta at $1,903 and British Columbia at $1,358 for Basic and Optional coverage, each measured its own way. Here are all 13 provinces and territories and 15 cities compared.
Read guide arrow_forwardMost 2026 car insurance increases come from industry-wide costs like repairs, theft and severe weather, plus province-specific rules. Here's what's behind your renewal and 10 practical ways to lower it.
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