Compare Car Insurance Quotes in Canada

Save money by comparing car insurance quotes from 30+ insurance companies!

Easy as 1, 2, 3!

How to get your car insurance quote

Three easy steps to compare car insurance quotes from over 30 companies in 5 minutes!

Enter your Postal Code

Getting started is simple! Enter your postal code to begin.

Compare your Quotes

Once you enter your postal code, you can tell us a little bit about the vehicle you’d like to insure and your driving & car insurance history.

Pick your Policy

Compare your insurance quotes from over 30 of Canada’s top insurance providers. You can then pick the insurance policy that is right for you.

Table of Contents

How do you compare car insurance quotes?

If you’re looking to find the best car insurance rate for you, it is crucial that you weigh all of your options. While browsing, you might be surprised at how much the car insurance rates will vary. While shopping around for insurance may seem like a daunting task, you won’t regret taking the time to compare the different rates available to you.

When it comes to car insurance, all insurers will consider the same factors. However, when it comes to setting rates they all do it a little differently. While multiple companies may offer a driver the same coverage, the cost will vary across each of them. To find the cheapest rate and avoid paying more than you need to, it is necessary to compare car insurance rates across these companies.

Pro Tip

Car insurance rates fluctuate regularly so it is important to keep and eye out for any changes that you might want to take advantage of. While shopping around, you may realize that you are already paying the cheapest rate with your current insurer or you might see another option that will help you save.

While you might need to make a down payment to kickstart your policy, you should never be charged when requesting a quote. When you’re ready to start comparing quotes, make sure you consider the following tips:

Prepare your information

To make this process as seamless as possible, make sure you have the following information on hand before getting started:

  1. Personal Information: When requesting a quote, you will be required to provide your address, date of birth, occupation, driver’s license and information of those you want included on your policy (spouse or children)
  2. Driving History: You will need to provide a detailed description of your driving history including any claims, tickets, or violations you’ve experienced in the last five years. You should also let them know if you have completed any driving courses as this should lower your rate.
  3. Vehicle Information: Make sure to record your vehicle’s current mileage, date of purchase, and Vehicle Identification Number (VIN). You will only be asked to provide the mileage, make, and model of the vehicle if you have yet to purchase it.
  4. Coverage for those on your current policy or in your household: Most insurers will require your coverage history. If there is anyone living with you that you will be excluding from the policy, you will need to prove that they are covered by someone else.

Select the appropriate liability car insurance coverage levels

Before selecting a policy, it is necessary to review the mandatory coverage requirements under the Canadian law. The laws and insurers available in each province play a major role in your car insurance rates. Complete Car looked at quotes for the minimum required insurance in each province.</span Most provinces only require you to have liability insurance which covers the basics such as property damage and medical bills for others shall you cause any accidents. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. 

Determining the right amount of car insurance can be tricky. Since there is no way of knowing the maximum price you would have to pay if you caused an accident resulting in bodily injury of property damage, it is important to think about what would happen if you caused any damages that exceed your coverage.

While you may dread spending money on car insurance, it serves a very important purpose. It only takes one accident to create a major financial burden which could result in the loss of all your savings or assets. The bills resulting from damage and injuries after an accident have the potential to be hundreds of thousands of dollars, a price that no one is ready to pay. 

Luckily, should you be involved in an accident resulting in massive bills or you being sued, liability insurance is there to protect you from that burden. Selecting the appropriate liability insurance coverage is very important when comparing your car insurance quotes. We recommend having as much liability coverage as your net worth.

 

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Understand Car Insurance Requirements by Province

Car insurance requirements vary greatly across the different provinces. Some simply require minimum liability insurance of $200,000 while some require additional features such as Accidents Benefits Insurance or Comprehensive and Collision Insurance.

Province Coverage Details
Alberta
Minimum $200,000 in third-party liability
In Alberta, it is mandatory that drivers have Accident Benefits insurance, which covers costs that exceed provincial health care should the driver be injured in a crash.
British Columbia
Minimum $200,000 in third-party liability (purchased through Insurance Corporation of British Columbia).
Drivers can purchase optional coverage from ICBC or private insurers
Manitoba
Minimum $200,000 in third-party liability (purchased from Manitoba Public Insurance)
Optional coverage can be purchased from MPI or private insurers. Comprehensive and collision coverage is required while deductibles vary depending on the vehicle
New Brunswick
Minimum $200,000 in third-party liability
In New Brunswick, it is mandatory that drivers have Accident Benefits insurance, which covers costs that exceed provincial health care should the driver be injured in a crash.
Newfoundland & Labrador
Minimum $200,000 in third-party liability
Northwest Territories
Minimum $200,000 in third-party liability
Nova Scotia
Minimum $500,000 in third-party liability
Nunavut
Minimum $200,000 in third-party liability
Ontario
Minimum $200,000 in third-party liability
In Ontario, it is mandatory that drivers have Accident Benefits insurance, which covers costs that exceed provincial health care should the driver be injured in a crash.
Prince Edward Island
Minimum $200,000 in third-party liability
Quebec
Minimum $50,000 in third-party liability provided by private insurers
Limited to property damage incurred inside the province, and to personal injury and property damage outside Quebec
Saskatchewan
Minimum $200,000 in third-party liability (purchased from the Saskatchewan Government Insurance)
Optional coverage is also offered by both SGI and private insurers. Collision and comprehensive coverage is mandatory with deductibles varying based on the vehicle.
Yukon
Minimum $200,000 in third-party liability

Coverage Options

While liability coverage is generally the most cost effective, it only provides the basics. For example, if you cause an accident, your minimum liability coverage will cover the cost of legal expenses resulting from causing bodily injury to other drivers or pedestrians, or property damage up to your policy limit. To avoid this unwanted financial burden, many drivers — specifically those who have yet to pay off their car — want “full coverage” car insurance as a safety net. Full coverage refers to any policy that includes liability coverage, as well as comprehensive and collision coverages.

What does collision insurance cover?

  • Damage to your vehicle should you crash into an object such as a fence or pole.
  • Damage to your vehicle as a result of an at-fault an accident with another driver
  • Damage to your vehicle should another driver hit you (you could also make a claim against the other driver’s liability insurance)

What does comprehensive insurance cover?

Comprehensive insurance will pay for the value of your car should it be stolen as well as damage resulting from:

  • Weather such as tornadoes or hail
  • Floods
  • Fire
  • Falling objects
  • Crashes with an animal, such as hitting a deer
  • Civil disturbances or vandalism

Regardless of the coverage you choose, don’t forget to compare the quotes for the same type and amount of coverage in order to find the best price.

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Collect and Compare Car Insurance Quotes

With the exception of BC, Saskatchewan, and Manitoba, to make sure you get the best deal possible, we recommend that you compare quotes from at least three insurance companies. You might want to compare rates between the big insurers and the smaller, regional insurers in your province. Make sure you’re also comparing the same quote between companies.

Each quote should include:

  • The same amount of liability and uninsured/underinsured motorist coverage
  • The same deductibles for collision and comprehensive coverages (if opting for them)
  • The same drivers and cars
  • All discounts you’re eligible for (most insurers usually list their discounts on their website, however, be sure to ask if you’re unsure.

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