Nothing matched that. Try a coverage name, a province, or call us on 1-800-555-0182.
Auto insurance in Canada is regulated by the province you live in, not by Ottawa. Three provinces sell you the basic policy themselves. Québec splits it in two. Everywhere else it is a private market. We start by telling you which one you are in.
The compulsory basic policy comes from a Crown corporation. A broker places everything above it, and in these provinces a broker sells you the basic layer as well.
Bodily injury sits with the SAAQ regardless of fault. The vehicle and your liability to others sit with the private market.
Insurers compete and rates are filed with a provincial regulator. This is where a broker can genuinely move you.
System, basic insurer, rate oversight, broker licensing, minimum liability and proof of insurance. Pick your province above and we will highlight it.
Private market. Basic rates for most drivers move inside the grid the Automobile Insurance Rate Board approves, which is why two Alberta quotes for the same driver can sit closer together than you would expect.
Public. Basic Autoplan comes from ICBC and nowhere else, under the Enhanced Care model that has been in place since May 2021. Optional coverage above basic can come from ICBC or a private insurer, and your Autoplan broker sells both.
Public. Basic Autopac is compulsory and comes from Manitoba Public Insurance. Extension coverage, higher liability limits and a lower deductible are bought through an Autopac agent, which is where a broker earns their keep.
Private market, with rates filed to the New Brunswick Insurance Board. Coastal storm exposure now drives as much of a Maritime quote as driving record does.
Private market. Comprehensive claims here skew heavily toward wind, water and wildlife, so the coverage conversation is rarely about collision alone.
Private market, and the one province where the statutory minimum third-party liability is $500,000 rather than $200,000.
Private market. Distance to the nearest approved repair shop, and the cost of getting a vehicle there, is a real underwriting factor north of 60.
Private market, and a small one. Placing a Nunavut policy usually means working the specialty markets rather than the household names.
Private market. Every Ontario policy carries statutory accident benefits, and damage caused by another driver is settled through direct compensation for property damage, which means you claim from your own insurer.
Private market. The smallest auto market in the country, which makes the difference between two quotes unusually wide for such a small province.
Hybrid, and the arrangement that surprises people who move here. Injuries are covered by the SAAQ, a public plan funded through your licence and registration, no matter who was at fault. Damage to the vehicle and liability for damage to others is private, which is the part you buy from a broker. The statutory minimum civil liability is $50,000 because bodily injury is already handled publicly.
Public. Basic coverage rides on your plate through the SGI Auto Fund, bought at a motor licence issuer, and Saskatchewan drivers get a choice most Canadians do not: the no-fault plan or the tort plan. Extra liability and lower deductibles are private and brokered.
Private market. Highway distance and wildlife collisions carry more weight in a Yukon quote than anything that happens in a city.
What you owe someone else after an at-fault collision. The statutory minimum is $200,000 in most of Canada, $500,000 in Nova Scotia and $50,000 in Québec, where bodily injury sits with the SAAQ. Most of the drivers we place carry $1 million or $2 million, because a minimum limit and a serious injury claim are not in the same order of magnitude.
Medical care, rehabilitation and income replacement after a collision, regardless of fault. In Ontario these are the statutory accident benefits and the optional increases are worth a real conversation. In Québec the SAAQ handles this and it is already paid through your licence and registration.
Damage to your own vehicle when you hit something, or something hits you and nobody else is paying. Subject to your deductible.
The other ways a Canadian vehicle gets damaged: hail on the Prairies, a deer on a Yukon highway, theft in a Brampton driveway, a falling branch during an ice storm, fire, vandalism, flood.
In Ontario, Québec and several other provinces, damage caused by another driver is settled by your own insurer rather than theirs. It is faster, and it is the reason your insurer pays you even when the collision was not your fault.
Depreciation waiver on a new vehicle, transportation replacement while yours is in the shop, a family protection endorsement that steps in when the other driver is underinsured, and accident forgiveness on a clean record.
Tell us your province and we will show you what you are actually buying, what is already public, and what a broker can improve.
British Columbia, Saskatchewan and Manitoba each run a government insurer that writes the compulsory basic coverage: ICBC, the SGI Auto Fund and Basic Autopac from Manitoba Public Insurance.
Québec is a hybrid. Bodily injury is covered by the SAAQ, a public plan funded through licence and registration fees. Damage to vehicles and liability for damage to others stays private.
Ontario, Alberta, New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador, Yukon, the Northwest Territories and Nunavut are private markets.
Because basic coverage is a floor, not a policy. Higher liability limits, a lower deductible, replacement cost on a newer vehicle and coverage while you drive in the United States all sit above the basic layer.
In British Columbia that layer is placed through an Autoplan broker and can come from ICBC or a private insurer. In Saskatchewan it is bought through a motor licence issuer. In Manitoba it is bought through an Autopac agent. In all three, a broker is the channel.
In private-market provinces the pink liability card remains your proof of insurance, and electronic versions are accepted in Ontario, Alberta and most other jurisdictions.
In British Columbia your proof is your Autoplan papers and the decal on your plate. In Saskatchewan it is your registration certificate. In Manitoba it is the Autopac certificate issued with your registration. There is no pink card to carry.
Not automatically, and in some cases not at all. Auto insurance is governed by provincial statute, so a policy written in Ontario cannot simply be re-addressed to Winnipeg.
Start the conversation four to six weeks before the move. We arrange the new policy to start the day the old one ends, because a gap in your coverage history costs real money at the next renewal.
A ten minute request, a named broker, and an answer that starts with what your province already covers.