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Thousands of Canadians come to us weekly looking for ways to save on their next auto insurance policy. Just like we've helped them compare the market with ease, we can do the same for you. Don't delay, take advantage of our free service to uncover your potential savings today.
Here are some recent auto insurance quotes by Ratehub users:
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Our car insurance calculator is free of charge, no obligation to purchase a policy needed.
Top auto insurance companies compete for your business – we just help you compare.
By taking five minutes out of your day, you can save hundreds of dollars throughout the year.
Matt Hands, Sr. Business Unit Director
Car insurance in Canada is a requirement for anyone who wishes to drive a car. In each province, car insurance policy requirements vary depending on whether it's a public or private insurance system.
British Columbia, Saskatchewan, and Manitoba are public insurance systems where you buy car insurance from the government. Alberta, Ontario, and Atlantic Canada use private insurance companies vying for your business which is why comparing car insurance quotes online is an effective strategy for lower rates. Quebec is a hybrid system – and the cheapest car insurance province – where you buy injury coverage from the government and property damage from your private insurer.
Every province mandates auto insurance coverage requirements, some more than others. You can also customize your policy further to suit your personal needs.
Review car insurance quotes every year
Car insurance companies change their prices all the time, so set an annual reminder to compare auto insurance quotes before you renew to ensure the best deal possible.
The following coverages are included on every standard auto insurance policy in Canada. These are government-mandated coverage standards that every insurer must follow when creating insurance products for Canadian drivers. Keep in mind that the majority of Canadians customize their policy beyond the provincial mandatory minimum car insurance coverage requirements.
- Third-party liability insurance protects you financially if you injure someone or damage their car or property. The minimum in most provinces is $200,000, but most people default to $1 million – you can also upgrade to a limit of $2 million.
- Accident benefits protection provides you and anyone injured with coverage for any medical and rehabilitation costs resulting from an accident. It also pays for loss of income if you can't work. You can upgrade this coverage for further protection too.
- Direct compensation property damage (DCPD) is available in the private insurance provinces. It means you only ever deal with your insurance company for damages.
- Uninsured auto protects you in the event you're in an accident where the other driver doesn't have insurance or flees the scene. Your insurance company can still cover you.
Are you getting the best price for your auto insurance?
Shop around and compare
Auto insurance rates vary greatly between companies – you need to research which insurer will offer the best coverage specific to your needs.
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.
Increase your deductible
The deductible is what you pay when something happens to your car before the insurance company pays the rest. Increasing your deductible can lower your annual premiums.
Ask about group discounts
Many insurers offer discounts to members of professional organizations or affiliation groups – so it pays to ask about discount relationships.
Pay premiums annually
If you pay your premiums upfront for the year – or even per half-year – you will usually end up paying less than if you paid monthly.
Maintain a good 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 car insurance rates.
Track your driving
With usage-based insurance (UBI), you can earn discounts for driving well. Car insurance companies can track your driving behaviour, so you can earn discounts by being a low-mileage or safe driver.
Take a course
Accredited driving courses will not only make you a safer driver but can also result in discounts from many auto insurance companies.
|Canadian province||Private insurance||Public insurance||Minimum liability||Direct compensation||Collision and comprehensive|
Below is the chart for the average car insurance cost in Canada. Your car insurance rate will vary depending on a multitude of factors, but this can give you an idea of how average car insurance quotes differ across each province. To find the exact cost you’ll be paying for your auto coverage, be sure to compare auto insurance rates with us.
Source: Insurance Bureau of Canada (2019), GISA & MSA data for private insurers (2018), SGI Annual Report (2018), MPI Annual Report (2017), Société de l'assurance automobile du Québec (SAAQ), and ICBC Service Plan (2019).
Compare cheap auto insurance quotes (for free).
You might think that car insurance quotes for the same driver or car will be similar across all providers. However, every auto insurance company has its own costs to cover, based on data from their existing customers and claims.
A car insurance rate calculation has many subtle complexities, and there are multiple factors that contribute to your final rate. Based on the information you provide in your driving profile, each car insurance company will categorize your risk potential and calculate a personalized rate.
Unfortunately, some factors are out of your control, but there are still a few for which you are 100% in the driver’s seat. Therefore, being in the know can save you money on your auto insurance premium – here are seven factors that auto insurance companies will consider before offering you a personal car insurance quote.
Where you live
Type of insurance coverage
What doesn't impact your car insurance rate calculation
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.
Why are my car insurance quotes so high?
How do I find the cheapest auto insurance rates?
Is auto insurance different between provinces?
What do I need to get car insurance in Canada?
Who has the best and cheapest car insurance?
Is car insurance in Canada mandatory?
Do I need special insurance to drive for Uber?
How does a car insurance deductible work?
At what age does car insurance go down?
Ratehub.ca partners with top auto insurance companies across Canada, so you can compare your personalized car insurance quotes all at once. Each rate is calculated using the insurer's own underwriting and quoting process, so you can receive an accurate estimation based on your profile.
Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.read linkedin bio
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