Types of car insurance in Canada
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Mandatory types of car insurance coverage in Canada
In Canada, you'll need a basic car insurance policy if you want to take out your car – it's the law. Accident benefits coverage, third-party liability, and uninsured motorist protection make up the minimum requirements country-wide, but in Alberta, Ontario, Quebec, and Atlantic provinces, you'll also need direct compensation for property damage. Click on the links below to learn more about the mandatory types of car insurance in Canada.
Optional types of car insurance coverage in Canada
While a basic auto insurance policy will get you started, the minimum required coverage might not be enough. Click to learn more about some of the most popular – but optional – car insurance coverages in Canada, so you can customize a policy that meets all your unique needs.
Public vs. private car insurance
Did you know? British Columbia, Saskatchewan, and Manitoba have public auto insurance systems, meaning drivers purchase coverage from the provincial corporation. Other provinces and territories run on a private system, so drivers can select their own preferred insurance company. The only exception is Quebec – a hybrid system is used where drivers only purchase liability insurance through the government.
Compare car insurance quotes by policy type
Car insurance rates can differ greatly depending on the type of policy you purchase. For instance, opting for a multi-policy bundle – by selecting the same provider for your auto and home coverage needs – can come with a substantial discount on your premium. On the other hand, if you’ve had several traffic convictions in the past and require a high-risk auto insurance policy, expect your car insurance quotes to be much more expensive. Learn more about the different types of car insurance policies by clicking on the resources below.
Compare auto insurance quotes by vehicle type
Different types of vehicles come with different auto insurance premiums. Generally speaking, the more expensive your car is to repair or replace, the more expensive your coverage will be. Insurance providers also look at the statistical risk factors of your vehicle’s make and model – highly stolen vehicles, and vehicles that are commonly used for racing, aren’t a good look when it comes to your rate calculation. To find out how much you’ll be paying for your coverage, compare auto insurance quotes by type of vehicle with us today.