In Canada, motor vehicle insurance (including cars, trucks, motorcycles) is mandatory for the combination of the owner and the operator.
Vehicle insurance falls under provincial jurisdiction. Although the basics of liability, personal injury and property damage are all covered, insurance is different in every province. In B.C., Manitoba and Saskatchewan, most coverage is provided solely by a government insurer. In Quebec, bodily injury coverage is a government offering but the remainder is provided by the insurance industry, as is all auto insurance in the remaining provinces and territories. The features and characteristics of the insurance varies dramatically among these jurisdictions, but in all cases the insurance product is very highly-regulated.
Insurance by an appropriately licenced insurer and distributor is recognized as valid in all the Canadian provinces and territories and the United States. Drive safely; be properly insured.
Latest News:
- Total Loss Auto Claims Weigh on Insurance Customer SatisfactionAmica Ranks Highest in Customer Satisfaction in JD Power Auto Claims Study Customer satisfaction is improving for repairable claims as repair shop backlogs ease and cycle times improve 26% of auto insurance claims are total losses, creating a drag on customer satisfaction Among total loss claimants ...
Provider Spotlight
Before You Buy…
For things to consider before purchasing auto insurance, see our Buying Checklist.
News and Articles
- Total Loss Auto Claims Weigh on Insurance Customer Satisfaction
- Allianz Partners and Waymo Announce Strategic Collaboration for Autonomous Vehicle Insurance and Safety Research in Europe
- Experian Launches AI-Enabled Decisioning Platform, Bringing Real-Time Underwriting and Cash Flow Intelligence to its Consumer Marketplace
- Agero, Through Its Urgently Acquisition, Partners with MOTER to Advance Connected Vehicle Claims and Digital Driver Assistance
- Broker Intelligence Introduces New Readiness Module for Ontario Auto Reform 2026
- Drug impairment is now the leading factor in road deaths in Canada: TIRF
- Broker Intelligence launches new Auto Reform Module in its AI-powered platform
- Canadians navigating more complex, high-pressure driving conditions than ever: Desjardins Insurance survey
- Volvo, CMT Launch Real-Time In-Vehicle Safety Coaching For Drivers
- Trust Plummets: Three-Quarters of Canadians Feel Mandatory Anti-Theft Technology Needed in Vehicles


