Each province and territory of Canada has a different regulatory body for Car Insurance in Canada. Some of the provinces have a public insurance system and that is the only option for coverage (although in some cases private insurers may offer additional, optional coverage). Other provinces have a private insurance system where there are many companies that consumers can go to.
In the provinces with public insurance you must get the basic policy from the government agency. In some of these provinces you can buy additional coverage from brokers, agents or direct writers.
In the provinces that do not offer public insurance it is possible to shop around to many different private insurers. And shopping around is how you get the best Automobile insurance quote Canada.
For tips on getting quotes, visit Car Insurance Quote Canada. Or try here:
Keep reading this page to learn Which Provinces are Public and Which are Private. Then you will know what your choices are for shopping around.
British Columbia has a public insurance system with optional coverage offered by private companies (in competition with the public system). The Insurance Corporation of British Columbia is the public provider that offers basic coverage called Autoplan.
Alberta has a private delivery system for automobile insurance. This means that residents of Alberta can shop around for the best combination of price and coverage.
Saskatchewan has a public auto insurer called the Saskatchewan Auto Fund. It is a compulsory auto insurance program, and it operates the driver’s licensing and vehicle registration system. Additional coverage can be purchased to enhance the coverage offered by the auto fund.
Manitoba is also a public insurance Province. They have the Manitoba Public Insurance Corporation that provides basic automobile coverage.
Ontario is a very competitive private insurance market. There is no public insurer. All of the private companies are regulated by the Financial Service Commission of Ontario
Quebec has a blend of private and public automobile insurance. The public auto insurance system is called the SAAQ. The SAAQ provides coverage to people injured or killed in accidents while private insurers offer coverage for property. So you can shop around part of your coverage in Quebec
Auto insurance in New Brunswick is provided by many private companies that compete for customers.
PEI is a province with private insurance that is regulated by the Province
Private insurance - more than 60 insurers offer coverage in Nova Scotia making it a competitive market regulated by the Province
Auto insurance is provided by more than 50 private companies in Newfoundland and Labrador and they are regulated by the Province
Nunavut, North West Territories and Yukon
All car insurance in the Territories is provided by private, non-government insurance companies who compete for your business. You can get quotes from brokers, agents and direct insurers.
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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.
Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind. Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.
Always speak with a licensed insurance representative about your specific situation.
This site is general in nature and there may be errors or ommissions