Elderly Drivers

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Get the mature drivers insurance you need, at great rates, with claims service you can count on. It’s easier than you may think.

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As a mature driver with a good driving history, you can qualify for a discount based on your age. Many insurance companies will offer a lower rate once an individual retires or reaches 60 years of age. There is also some logic behind this – most retirees or senior citizens no longer have long commutes to work and will be driving less, therefore reducing their risk of an accident and therefore getting preferred insurance rates.

Do Insurance Rates Go up as You Get Older?

Young adults and new drivers are the highest risk category for being insured. Once an individual reaches 25 years of age and has a good driving record, their rates will start to be reduced. Once a driver is over 45 years of age, they usually see another reduction in their premiums if they have kept accident and traffic violation free.

Alberta Requirements for Elderly Drivers

While in the province of Alberta, you can renew your license at any age, there are certain medical requirements needed to determine driver safety after the age of 75. A signed medical report is required from a physician once a driver is 75 years old and when the driver reaches 80, they will require a signed medical form every two years. The medical examination is covered for drivers over 75 years old by the Alberta Health Care Insurance Plan. There are certain medical conditions that can affect your ability to drive including:

  • Stroke
  • Diabetes
  • Arthritis
  • Vision changes
  • Hearing loss
  • Alzheimers
  • Parkinson’s disease

Tips for Saving on Insurance

If you are looking to keep your insurance premiums low once you are considered an elderly driver, there are several options which can help.


There are organizations that offer a senior driver in-vehicle evaluation and mature driver courses. This helps evaluate driving skills and teaches new changes and technology for driving that a senior driver may not be aware of.

Add Vehicle Safety Features

Having rearview cameras, collision warning systems and parking assist can help prevents claims and accidents and aid in minimizing future premium increases.

Let us at Bow Valley Insurance do the shopping for you and find you the best rate possible for your age and circumstance. We have been serving the insurance needs of seniors since 1979 and work with several leading insurance companies. We know which companies can provide you the most coverage at the lowest possible rate. We will show you a number of rate comparisons so that you can find the most competitive price. In our no-obligation free of charge consultation, we will also advise you of any other possible discounts that you may qualify for including multi-policy, anti-theft device or low mileage.

Please contact us for a free, no-obligation quote with one of our knowledgeable, experienced insurance specialists.