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Truck insurance: What you need to know

Get personalized truck insurance quotes from Canada's top providers, in as little as five minutes.

What is truck insurance

When we talk about car insurance, it's important to remember that all passenger vehicles fall into that category – not just cars. Sport utility vehicles (SUVs), vans and trucks are all considered "cars" in the insurance companies' eyes. Here's a quick look at what types of trucks can get a standard car insurance policy.


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What qualifies as a truck?

Trucks fall into one of two categories: personal or commercial. A personal truck is a pickup truck or SUV that is used for personal reasons (including to commute to and from work).

On the other hand, a commercial truck is much larger and almost always used to transport goods, so it needs commercial insurance coverage. A pickup truck used commercially (e.g. by a construction company) would also require commercial truck insurance. If you use a pickup truck or SUV for personal reasons, you can get standard auto insurance for it.

How truck insurance works in Canada

Truck insurance works the same as car insurance with the same basic coverages and add-ons available. 

Third-party liability insurance

Accident benefits

Uninsured motorist

Collision insurance (optional)

Comprehensive insurance (optional)

Provincial differences in truck insurance coverage

Truck insurance in Ontario, Quebec, Nova Scotia, New Brunswick, and PEI includes direct compensation property damage (DCPD). 

DCPD means your insurer pays to repair your car when you're not at-fault following a collision in provinces that have it (e.g. ON, QC, NS, NB, and PEI)

No-fault truck insurance means you only ever deal with your insurer in any claim. It's available in all provinces, but there are differences. For instance, in Saskatchewan, you can opt for the Tort system. If you do, and you're found at-fault, you'll pay to repair your car, the other car, and the other driver's injuries. 

In Alberta and BC, victims are permitted to sue the at-fault driver for pain and suffering. You can't in Manitoba or Ontario who have more complete no-fault insurance. 

Public truck insurance is available in BC, Manitoba, and Saskatchewan - you have to buy insurance through provincial crown corporation. Every other province can buy their truck insurance from a provider of their choosing. 


Compare truck insurance quotes.

In less than 5 minutes, compare truck insurance quotes from multiple providers, for free.

Need a truck insurance broker?

At, we work with insurance brokers across Canada to finalize your truck insurance quote. Below are a few of our partners. 


BrokerageProductsService Area
Begin InsuranceAuto, home, tenant, travel, business, lifeOntario with offices in  Markham and Hamilton, Ontario
Cheep insuranceCar, home, tenant, taxi, boat, travel trailerAtlantic Canada
Easy insureAuto, home, tenants, boat, life, travel, groupOntario with head office in Windsor, Ontario
Excalibur insuranceAuto, home, farm, business, landlord, life, travelOntario with offices in Clinton, Wingham, Exeter, and Mitchell
Insurance HeroAuto, home, business, travel, life, and group insuranceOntario with offices in Toronto and Sudbury, Ontario
Servo insurance brokersHome, auto, farm, business, high riskOntario with offices in Toronto and Kingsville, Ontario

FAQ about truck insurance

Does car insurance cover rental trucks?

Are trucks more expensive to insure than cars?

Author Bio

Matt Hands, Business Director of Insurance

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’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.

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