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Auto insurance is mandatory if you own a vehicle. All Canadian provinces and territories require drivers to have at least liability and accident benefits/bodily injury coverage. Some provinces may require additional coverage. The insurance may be provided by public or private insurers or, in Quebec, by a combination of both.
In Alberta, the Yukon, Northwest Territories, Nunavut, Ontario, Newfoundland, New Brunswick, Nova Scotia, and Prince Edward Island, all car insurance is provided by private, non-government insurance companies who compete for your business.
In British Columbia, Saskatchewan, and Manitoba, a government-owned insurer provides the basic compulsory insurance, while the government and private insurers compete for optional and “top-up” (additional) coverage.
In Quebec, residents have two auto insurance policies: one from the government insurer, which insures against injuries to people resulting from the operation of motor vehicles; and one from a private insurer, which insures against damage to property.
Collision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country.
Established by provincial and territorial governments, mandatory auto insurance is the minimum amount of coverage every vehicle owner must have. Additional auto insurance coverages you may consider include:
- Specified perils
- All perils
Compare rates between providers, and research companies to learn more about the services they provide in these Canadian provinces.
Sources: Financial Consumer Agency of Canada & Insurance Bureau of Canada