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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.

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.

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. 

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.