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Recent cheap car insurance quotes from Ratehub.ca users
Here are a few sample car insurance quotes Ratehub.ca users received – last updated in June 2025. To find out how little you could be paying, try our free car insurance calculator and compare cheap auto insurance quotes today.
- $114/month
60-year-old male
Driving a 2020 Honda CR-V Touring under CAA Insurance
- $101/month
43-year-old male
driving a 2013 Dodge Caravan under Heartland Farm Mutual
- $262/month
28-year-old female
driving a 2022 Tesla Model 3 under Economical Insurance
- $197/month
22-year-old male
driving a 2019 Ford Escape under Pembridge Insurance
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Shopping for auto insurance in Canada

Matt Hands, VP, Insurance
If you own and drive a car in Canada, you know that auto insurance is a legal requirement, and you may also realize that it's only getting more expensive to insure a vehicle. With premiums on the rise, finding the right coverage at an affordable price has become a real challenge for many drivers. While there are a number of ways you can attempt to save, the best way to find your cheapest rate is to shop the market and compare car insurance quotes online.
Discover how auto insurance premiums in Canada have increased over time.
What are the types of auto insurance in Canada?
The type of car insurance and the coverage requirements you're required to carry will differ from province to province. But no matter where you're situated, you'll have the option of customizing your policy with additional options. Here's a quick overview of the main coverages available to Canadian drivers:
Third-party liability
Accident benefits
Uninsured motorist
Direct compensation for property damage
Collision
Comprehensive
Optional endorsements
How does auto insurance differ from province to province?
Auto insurance works differently depending on where you live in the country. In the table below, we break down the key differences in each province, including public vs. private systems and mandatory vs. optional coverages:
Canadian province | Private insurance | Public insurance | Minimum liability | Accident benefits | Uninsured motorist | DCPD | Collision & comprehensive |
---|---|---|---|---|---|---|---|
AB | Yes | No | $200,000 | Required | Optional | Yes | Optional |
BC | Yes | Yes | $200,000 | Required | Included | No | Optional |
MB | Yes | Yes | $200,000 | Required | Included | No | Required |
NB | Yes | No | $200,000 | Required | Required | Yes | Optional |
NF | Yes | No | $200,000 | Optional | Required | Yes | Optional |
NS | Yes | No | $500,000 | Required | Required | Yes | Optional |
ON | Yes | No | $200,000 | Required | Required | Optional | Optional |
PEI | Yes | No | $200,000 | Required | Required | Yes | Optional |
QC | Yes | Yes | $50,000 | Required | Included | Yes | Optional |
SK | Yes | Yes | $200,000 | Required | Included | No | Required |
How much does car insurance cost in Canada?
Here is a chart showing the average cost of auto insurance across Canada. While car insurance rates vary depending on a multitude of factors, this chart highlights how the average cost of car insurance differs from province to province. The data is taken from the Auto Insurance Rate Board 2025 Market and Trends mid-year report.
The average cost of auto insurance in Canada by province
Personal factors that impact your cost of car insurance
Some of the biggest misconceptions about auto insurance revolve around the factors that impact your quote. For instance, contrary to popular belief, red cars aren't any more expensive to insure than cars of other colours.
While a number of external market factors do have an impact on insurance pricing models , insurance companies also consider many individualized factors when calculating your auto insurance rate. These go beyond the coverage selections, limits, and discounts on your policy. Here, we cover some of these factors – generally speaking, the more risk you present, the higher your premium will be:
Age
As you age and you gain more experience driving, you should see your rates go down. But elderly drivers can also see rate hikes.
Gender
Statistically speaking, men are more likely to get into accidents than women – and therefore see higher auto insurance rates.
Location
Living in busier, traffic-congested areas will lead to higher premiums. The same goes for areas with high crime rates.
Driving history
Implications on your driving record (e.g. at-fault accident, speeding ticket) will lead to higher insurance rates.
Driving behaviour
More driving inevitably leads to a higher likelihood of making a claim – so if you have a long commute, expect more expensive insurance.
Vehicle type
Newer vehicles that are costly to repair and replace lead to more expensive coverage. The same goes for highly stolen cars.
Pro tip: Honesty is the best policy
When comparing car insurance quotes, it’s crucial to be as honest and accurate as possible about all your rating factors. While it might be tempting to provide certain answers to help lower your rate, discrepancies can result in inaccurate quotes – or even policy cancellations down the line. Being upfront ensures you receive a realistic estimate, preventing any surprises when it comes time to finalize your coverage.
Also read: Lying about your address on car insurance? Here’s what happens
Why is auto insurance getting more expensive?
For those wondering why their auto insurance premium keeps going up annually, despite the obvious reasons, such as purchasing a new car or getting into an at-fault accident, there are many factors outside of your control that contribute to the rising cost of auto insurance across Canada.
One of the biggest reasons for rising rates is inflation. As the cost of goods and services increases, so does the cost of insurance claims. For instance, vehicle repairs have become more expensive due to the rising costs of cars, materials, and labour. As claims become more costly for insurers to fulfill, these expenses are passed on to policyholders through rate hikes.
Additionally, other market factors that contribute to rising auto insurance costs include vehicle theft, insurance fraud, and natural disasters. As these incidents become more frequent, drivers will see the impact reflected in their coverage bills.
Vehicle theft
Vehicle theft topped $1.5 billion in insured claims in 2023. As insurers need to pay out more for replacements, premiums will rise for all.
Insurance fraud
Auto insurance fraud costs drivers in Canada over $1 billion each year. More losses for insurers result in more expensive premiums.
Natural disasters
Severe weather caused $8.5 billion in insured damages in 2024. Floods, hail, and fallen trees lead to more claims, also known as increased rates.
How can I save on car insurance?
While some factors may be inevitable, there are still many steps you can take to lower your car insurance rate. Take control with these strategies to help ensure you’re getting the best deal possible:
Bundle insurance products
Insurance companies value loyal customers. By having your auto and home insurance bundled together under the same carrier, you can expect a substantial rate reduction.
Get a group rate
Many insurance companies offer discounts to members of professional organizations or affiliation groups, so it pays to ask about savings (literally).
Increase your deductible
The deductible is what you pay for a vehicle loss or damage claim before the insurer pays the rest. Increasing your deductible will lower your annual premium
Install safety features
You could see a rate deduction by installing anti-theft devices or opting for a car that's already equipped with the newest safety features.
Take a course
For new and young drivers, graduating from an accredited driving course can show insurers that you bring less risk (which helps lower your premium)
Pay annually
Paying your full premium up-front tends to be less money in the long run, compared to making multiple, monthly payments. Insurers like to see a commitment to the policy.
Keep a clean driving record
At-fault collisions and driving convictions stay on your insurance record for years and make your rates go way up – if you drive safely over a long period, you’ll pay the lowest rates.
Track your driving
Many Canadians have yet to try telematics, also known as usage-based insurance. Opting for UBI, which tracks your driving behaviour, can lead to big savings.
Install winter tires
While winter tires are only required in select provinces, it's always better to be safe than sorry, and the potential auto insurance savings are a plus.
Drive less
Again, a longer commute leads to higher coverage rates. Consider alternative transportation to not only save on gas, but also insurance.
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The importance of comparing car insurance quotes
While all auto insurance companies may look at the same factors when calculating your quote, each one has its own method of weighing the risk. Therefore, drivers with similar profiles often face varied rates, despite opting for policies with the same coverages and limits.
Below, we outline personalized quotes from five different Canadian insurers for a hypothetical driver profile. Note the variation in pricing among the insurers – if the driver goes with the cheapest option over the most expensive one, it would lead to over $1,000 in annual savings on each of the four policies.
Insurance company | Policy A | Policy B | Policy C | Policy D |
---|---|---|---|---|
CAA | $146/month | $154/month | $152/month | $158/month |
Travelers Insurance | $208/month | $220/month | $211/month | $220/month |
Unica Insurance | $211/month | $221/month | $213/month | $226/month |
Economical Insurance | $216/month | $223/month | $220/month | $224/month |
Travelers Essential | $239/month | $239/month | $239/month | $239/month |
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Pro tip: Price isn't everything
It's important to know that price shouldn't be the only factor you look at when selecting your car insurance provider. Pay close attention to the specialized coverages each insurer offers, as one may better align with your specific needs over another.
This can also mean exploring policy bundling options, where you combine multiple policies – such as auto, home, condo, tenant, and boat insurance – with the same provider to take advantage of discounts. While not all insurance companies offer every type of coverage, you can look for one that does. Alternatively, you can compare the costs and benefits of mixing and matching insurers to see what works best for you.
Lastly, make sure you consider the company's reputation, customer service, and claims process – these factors can significantly impact your experience in the long run.
Why should I use Ratehub.ca to compare car insurance quotes?
Using Ratehub.ca is one of the best ways to explore the market. We make it simple to compare personalized quotes from Canada’s leading providers – here's how our auto insurance tool can help you:
Save
By selecting your lowest rate, you could save hundreds of dollars throughout the year.
Free
Our car insurance calculator and comparison tool are free to use – no obligation required.
Quick
Just answer a few basic questions – it takes less than five minutes to see all your quotes.
Convenient
There's no need to get quotes from multiple insurers one by one. Just fill out one online form.
Secure
Your information is perfectly safe with us – it won't be shared with a third party.
Unbiased
We don't favour insurers – we just show you the numbers, so you can choose for yourself.
Comparing quotes with us also offers many advantages over purchasing your coverage directly from an insurance company. Not only can you view your rates side-by-side, but our extensive partnerships with providers such as CAA Insurance, Economical Insurance, Gore Mutual and MAX Insurance allow us to match you with one that offers unique coverages and special discounts tailored to your needs. This way, you get a competitive price that’s customized to fit your specific situation.
Feature | Ratehub.ca | Direct insurer |
---|---|---|
Insurance partners | 10+ | 1 |
Real-time quotes | Multiple | 1 |
Time | <5 minutes | Varies |
Customization | Various options | Limited to insurer's offerings |
Discounts | Various discounts | Limited to insurer's offerings |
Impartiality | Unbiased to all options | Biased to insurer |
Compare car insurance quotes from Canada's top providers.
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Pro tip: Go beyond the minimum
The minimum required coverage in your province may not be enough. Most drivers opt for at least $1 million in liability insurance, and you can even consider increasing your coverage to $2 million – the price difference is often minimal.
We also recommend adding collision and comprehensive insurance to your policy, even if it’s not mandatory, especially if covering the cost of repairs or a replacement vehicle out-of-pocket would be a financial burden.
More auto insurance questions, answered
Is car insurance mandatory in Canada?
Yes, it's the law. Car insurance is a requirement for everyone who owns and wishes to drive a car in Canada. The coverage is there to protect you from all kinds of financial implications, such as vehicle repairs after a collision or liability claims after an accident.Â
In Canada, driving an uninsured vehicle is a serious offence – you could a heavy fine or even a license suspension. You'll also need to provide proof of an auto insurance policy before you're able to get a car loan paid out or register your vehicle.
How does car insurance work?
Car insurance is legally mandated Canada-wide. However, the coverage requirements for a standard car insurance policy vary provincially and heavily depend on whether the province runs on a public or private insurance system.Â
British Columbia, Saskatchewan, and Manitoba are public insurance markets where you buy auto insurance from the government (with the option of purchasing supplemental coverage from private insurers). Alberta, Ontario, and Atlantic Canada have private insurance companies vying for your business, which is why comparing car insurance quotes online is an effective strategy for uncovering lower rates. Quebec, on the other hand, has a hybrid system that offers the cheapest car insurance rates. There, you buy injury coverage from the government and property damage from a private insurer.
Which car insurance company is the best?
There is no one-size-fits-all answer to the best car insurance company in Canada. The right insurer for you will be the one that meets all your coverage needs at an affordable price. That’s why we recommend comparing car insurance quotes with us – by providing a few quick details, you can instantly view your personalized options and confidently choose the policy that suits you best.Â
How does a car insurance deductible work?
An auto insurance deductible is the amount of money you need to pay out-of-pocket before your insurer foots the rest of the bill. Generally speaking, deductibles are only applicable to vehicle loss or damage claims (for collision and comprehensive insurance) – they don't typically apply to third-party liability and accident benefits.Â
Let’s say you get into an at-fault accident and you have collision insurance, which will cover the cost to repair your vehicle. If the repair costs a total of $1,000, and your deductible is $500, you'll need to cover the first $500 before your provider pays the remaining half.
Can I cancel my car insurance?
Yes, you can cancel your car insurance at any time – but remember, car insurance is mandatory across Canada. If you cancel your insurance and continue driving, you could face legal penalties, including fines, license suspension, and vehicle impoundment. Make sure you have a valid policy in place if you plan to keep driving.
If you’re switching insurance companies, it's crucial to have your new policy in place before cancelling your current one. A lapse in coverage, even for a short time, can result in higher premiums in the future and may leave you vulnerable if an accident occurs during the lapse.
Who typically has the cheapest car insurance?
Insurance providers calculate rates differently, so it is difficult to pinpoint one insurer that is cheaper than another. Car insurance premiums are also based on your unique details, including your postal code, driving history, and car model. However, on a general level, our internal data shows that the three best car insurance companies in Canada by price are Aviva Canada, Economical Insurance, and SGI Canada. This does not mean these insurers will give you the best price, as the rankings are based on an average of quotes. You may get a better rate from a different company based on your personal situation.