Auto insurance across Canada
Know what you are covered for, and what you are paying for
Auto insurance is required, but the price and protection vary a lot between providers. Learn the basics, then talk to a licensed advisor who can compare options for you.
- Free for you
- Compare providers
- No obligation
Quick facts
- Third-party liability is required in every province
- Public insurers run basic cover in BC, MB, SK and part of QC
- Collision and comprehensive are usually optional
- Rates can differ a lot between insurers for the same driver
Coverage
What an auto policy can include
Exact names and rules vary by province. Your advisor will confirm what applies to you.
Third-party liability
Required in every province. Pays for injury or damage you cause to others, and legal costs.
Accident benefits
Covers medical and rehabilitation costs for you and your passengers after a collision, whoever is at fault.
Collision
Repairs or replaces your car after a crash, minus your deductible. Usually optional unless you lease or finance.
Comprehensive
Theft, vandalism, fire, hail, falling objects and animal strikes. Usually optional.
Uninsured motorist
Protects you if you are hit by a driver with no insurance or a hit-and-run driver.
Add-ons
Rental car, roadside help, loss-of-use and rate protection can be added to many policies.
Required or optional?
Basic versus extra protection
| Required | Often optional | |
|---|---|---|
| Liability to others | Yes, in every province | |
| Accident benefits | Yes, in most provinces | |
| Collision | Optional, but lenders often require it | |
| Comprehensive | Optional, but lenders often require it | |
| Rental car and roadside | Optional add-ons |
Pricing
What affects your rate
Driving record
Tickets, at-fault claims and years claim-free all move your rate.
Where you live
Postal code, traffic and theft rates in your area affect price.
Your vehicle
Make, model, value, repair costs and safety features matter.
How you use it
Commute distance and annual kilometres, plus whether it is for business.
How it works
Getting help comparing
- 1
Get in touch
Tell us you want help with auto insurance and your province.
- 2
Meet an advisor
A licensed advisor in your province reaches out.
- 3
Compare providers
See coverage and price side by side.
- 4
Choose what fits
Switch only if it is better for you.
Questions
Auto insurance FAQ
Is auto insurance mandatory in Canada?
Yes. Every province and territory requires at least third-party liability coverage. Minimum amounts and rules vary by province.
Do all provinces work the same way?
No. In British Columbia, Manitoba and Saskatchewan, basic coverage comes from a public insurer (ICBC, MPI and SGI), with optional extras from private insurers. Quebec combines public coverage for injury with private coverage for vehicle damage. Ontario and most other provinces use private insurers.
How can I lower my premium?
Compare quotes each year, ask about bundling home and auto, raise your deductible if you can afford it, keep a clean driving record, and ask about discounts such as winter tires or telematics.
Will my rate go up after a claim?
It can, especially after an at-fault claim. The effect depends on your insurer and province. An advisor can explain what to expect and compare other options.
What is a deductible?
The amount you pay toward a claim before your insurance pays the rest. A higher deductible usually lowers your premium.
Does RiteFinance charge for this?
No. Our service is free to you. Licensed advisors are paid by insurers, and they should tell you how.
Want a second opinion on your auto insurance?
Get in touch and a licensed advisor can compare options for you. Free, with no obligation.