Liability coverage is required in every province, and optional coverage protects your own vehicle.
Auto insurance isn't just a legal requirement in every Canadian province — it's what stands between a fender-bender and a financial setback that follows you for years. A single at-fault collision can mean tens of thousands of dollars in vehicle damage, medical costs, and liability claims.
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Yes. Every province and territory requires liability coverage for vehicles on the road. The minimum amount, and whether basic coverage comes from a public insurer or a private company, depends on where you live. The province pages explain the rules in each place.
It pays for injury or damage you cause to other people, up to your policy limit, and the legal costs of defending a claim. It does not pay to repair your own vehicle.
The amount you pay yourself on a claim before the insurer pays the rest. A higher deductible usually lowers your premium, but you pay more out of pocket if you claim. Our deductible break-even calculator shows how long the savings take to add up.
Collision coverage pays to repair or replace your vehicle after a collision. Comprehensive coverage pays for other damage, such as theft, fire, vandalism or a falling object. Both are optional in most provinces, though a lender or lessor may require them.
Insurers look at your driving record, the vehicle, where you live and how you use it. Each province decides which factors insurers are allowed to use, and in most places insurers must have their rating rules approved by a regulator.
Pick your province or territory for a plain-language overview of how insurance works there.