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To drive a vehicle, yes, it's mandatory to have insurance. However, you can own a car without insurance – but you won't be able to drive it. 

Driving without insurance carries severe penalties including fines, a license suspension, or having your vehicle impounded. If convicted, it'll be extraordinarily difficult to get insurance at a low rate in the future. And in the worst-case scenario, if you get into an accident without auto insurance, you'll have to pay for all the damages and recovery out-of-pocket. 

There are many car insurance factors that go into calculating your rate. If you're male and young, you're statistically at greater risk of getting into an accident, so your rates will reflect that. Other high-risk factors include your driving history and experience, living in a densely populated city, and the amount of car insurance fraud in a particular area – these may have detrimental effects on your auto insurance rate. 

If you're looking for cheap car insurance, there are several ways to do it, including bundling auto and home insurance, driving less, paying annually (not monthly) premiums, and simply asking about discounts. But above all, the best way to get cheap car insurance is to compare quotes from multiple providers, and we can do exactly that for you.

Once you've selected the best rate, we'll connect you with a car insurance broker who will help lock in your cheap auto premium with the insurance company. 

Yes, each province has a different car insurance system and different mandatory coverages – as such, your rates vary greatly between them. You can view average annual insurance rates by province above to see the pricing differences. British Columbia, Saskatchewan, and Manitoba have government-provided auto insurance programs. Alberta, Ontario, the Atlantic Provinces, and all the Territories have private car insurance markets. Quebec is a hybrid system, where the government provides personal injury and the property damage is done through private insurers. 

To purchase a car insurance policy in Canada, you'll need the fulfill the following requirements: 

• You must be a resident of Canada
• You must have a valid driver's license
• You cannot have an auto insurance fraud conviction within the last ten years 
• Your car must be for personal use (business-use vehicles require commercial auto insurance)

For high-risk car insurance, you may need to use the Facility Association for coverage through a standard insurer. 

Remember, honesty is the best policy. Lying about where you live or any modifications to your car can be some of the fastest ways to have a claim denied or your insurance cancelled.

No, car insurance is not required as long as you don't intend to drive your car. In fact, you don't need insurance to purchase a car, but you will need to provide proof of insurance to get licence plates or renew your licence plate stickers.

Remember, it is mandatory to have a valid car insurance policy if you intend to drive your car. It is illegal to drive a car that is not insured.

The cost of auto insurance depends on many factors such as your age, driving experience, and coverage choices. The best way to get the cheapest car insurance is to compare car insurance quotes online to see which provider will give you the cheapest price based on your personal situation. 

Find out more on how you can save on auto insurance.

Although Uber, Lyft, and most other ridesharing companies offer some level of commercial auto coverage, you should still extend your own car insurance to cover the increased risk of ridesharing. Not all car insurance companies provide coverage for rideshare driving, so you’ll also need to notify your provider ahead of time. If you fail to do so, your claim will likely be denied for misrepresentation, and you run the risk of policy cancellation. For more information on purchasing this specialized coverage, visit our page on rideshare auto insurance.

A car insurance deductible is the amount of money you agree to pay out-of-pocket before your insurer meets you for collision and comprehensive claims. Let’s say your car is vandalized and the cost to repair the paint is $400. If your deductible is set at $300, you’ll need to contribute this amount before your provider foots the remaining $100. The higher the deductible you set, the cheaper your car insurance will be. 

Generally speaking, car insurance rates tend to decrease more substantially at the age of 25. Keep in mind that insurers take into account other factors, such as your driving experience and driving history, so if you’re a newly licensed driver at age 30, you could still see much higher premiums. And once you reach an older age that could affect your driving capabilities, you may start seeing your rates go up again. 

Your employment history, previous bankruptcy, housing situation, and net worth are not factors. Your credit score may or may not have an impact depending on the province you live in. And the car colour? That's a myth.

No, it is not mandatory to purchase insurance from the same carrier. Lot's of people choose to purchase insurance from different insurance companies for various reason. You may be able to find a cheaper car insurance rate from another carrier or your current home insurance provider will not offer insure your vehicle.

There is no rule that says home insurance and car insurance must be bundled together. Do whatever makes the most financial and logistical sense for your situation.

Yes, you can drive someone else's vehicle as long as that vehicle as a valid insurance policy and you have permission to drive the vehicle. If you are involved in an accident driving someone else's vehicle it will be covered under their insurance policy.

You just need a valid driver's licence to operate an insured vehicle.

Yes, you can cancel your car insurance policy at any time, but you maybe charged an early cancellation fee or administration fees. It will depend on your carriers rules, so it's best to discuss your cancellation options before cancelling.

If you paid for your insurance upfront (i.e. annually), a carrier will reimburse you for the unused portion of your auto insurance policy.

If you stop paying your monthly or annual car insurance premiums, your policy will lapse and the car insurance company may cancel your policy.

If your policy is cancelled you are no longer legally able to drive your car, plus you will now have a cancellation for unpaid fees listed on your driving record. Having a cancellation for non payment will have a negative impact on your ability to find insurance in the future. This will at the very minimum increase the price you pay for insurance for at least the next 3 years and may limit the number of insurance companies who are willing to insure you.

Remember, even if you have a dispute with the car insurance company, withholding payment doesn't hurt the insurer; it only hurts you.

This will depend on the province you live in and the carriers approved underwriting criteria. But generally it's around 5-6 years that an at-fault accident will impact your car insurance rates. It's best to remember that a clean driving record will help you maintain cheap car insurance.

If you submit an insurance claim for an accident and you are deemed to be at-fault by your insurer you can expect to see a significant increase on your car insurance premium at renewal. The first year increase will likely be around 50% to 70% annually.

Assuming you maintain a clean record, you policy will start to decrease slowly each year. However, the amount varies depending on who is to blame for the claim, the severity and expense of the accident, and your overall driving record.

*The only way an at-fault accident will not impact your premium, is if it was your first at fault accident and you have an accident forgiveness endorsement on your policy.