Insurance works differently across Canada. Some provinces run basic auto insurance through a public insurer, others leave it to private companies, and each has its own regulator. Choose your province or territory for a plain-language overview.
| Province or territory | Who provides basic auto insurance | Minimum third-party liability | How injuries are handled |
|---|---|---|---|
| Ontario | Private insurers | $200,000 | Accident benefits from your own insurer whatever the fault; suing the at-fault driver is still possible, with limits |
| British Columbia | ICBC (public) | $200,000 (basic) | Enhanced Care benefits paid whatever the fault |
| Alberta | Private insurers | $200,000 | Today, fault plays a role in injury claims. Care-First (no-fault) is scheduled for January 1, 2027 |
| Quebec | SAAQ for injuries (public); private insurers for the rest | $50,000 (civil liability) | Public no-fault plan from the SAAQ; generally no suing over injuries |
| Manitoba | MPI (public) | $500,000 (basic) | Public no-fault plan (PIPP) pays injury benefits whatever the fault |
| Saskatchewan | SGI (public) | $200,000 (basic) | You choose no-fault or tort injury coverage, at the same price |
| Nova Scotia | Private insurers | $500,000 | Accident benefits (Section B) from your own insurer |
| New Brunswick | Private insurers | $200,000 | Accident benefits (Section B) from your own insurer |
| Newfoundland and Labrador | Private insurers | $200,000 | Accident benefits are additional coverage, not required |
| Prince Edward Island | Private insurers | $200,000 | Accident benefits (Section B) from your own insurer |
| Yukon | Private insurers | $200,000 | Accident benefits from your own insurer |
| Northwest Territories | Private insurers | $200,000 | Accident benefits from your own insurer |
| Nunavut | Private insurers | $200,000 | Accident benefits from your own insurer |
General information, not advice. Rules change, so confirm with your province or territory, your insurer or a licensed advisor. Facts on this page were last checked in November 2026.