Is car insurance mandatory in Canada?

Yes — every province and territory in Canada requires drivers to carry a minimum level of auto insurance, typically including third-party liability. Minimum liability limits range from $200,000 (most provinces) to $500,000 (Nova Scotia). Rates and systems vary — BC, Saskatchewan, and Manitoba have public auto insurance, while other provinces use private insurers.

How can I lower my insurance premiums in Canada?

Bundle home and auto policies, maintain a clean driving record, increase your deductible, ask about loyalty or multi-vehicle discounts, install home security systems, and shop around at renewal. In competitive provinces, comparing quotes from 3–5 insurers can save hundreds per year.

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Insurance – Guides & Comparisons (Canada)

Insurance – Guides & Comparisons (Canada)

Updated March 2026

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