Insurance

All drivers in Canada must have basic automobile insurance.

Depending on where you live, requirements for minimum coverage and where it can be obtained-through private companies or government agencies-will vary.

Visit the following websites and click on where you live to discover province-specific insurance information, such as minimum insurance requirements and where it can be obtained.

CAA also offers automobile insurance, click here for more information.

Yukon Territories
Insurance must be obtained through the Insurance Corporation of British Columbia (ICBC)

Northwest Territories
Insurance can be obtained through the Private insurance companies

Nunavut
Insurance must be obtained through Manitoba Public Insurance (MPI)

British Columbia
Insurance must be obtained through the Insurance Corporation of British Columbia (ICBC)

Alberta
Insurance can be obtained through Private insurance companies

Saskatchewan
Insurance must be obtained through Saskatchewan Government Insurance (SGI)

Manitoba
Insurance must be obtained through Manitoba Public Insurance (MPI)

Ontario
Insurance can be obtained through Manitoba Public Insurance (MPI)

Quebec

The Société de l’assurance automobile du Québec provides insurance against injuries to people, while insurance against damage to property can be obtained through Private insurance companies

New Brunswick
Insurance can be obtained through Private insurance companies

Prince Edward Island
Insurance can be obtained through Private insurance companies

Nova Scotia
Insurance can be obtained through Private insurance companies

Newfoundland and Labrador
Insurance can be obtained through Private insurance companies

Keeping the cost of insurance down

Since teens are new drivers with no driving record, their insurance will be costlier than that of more experienced drivers. Teen insurance costs can be kept to a minimum by:

Sharing vehicles – Teens classified as an occasional driver will have lower insurance rates than those classified as a main driver.

Practicing driving – Plenty of driving experience will reduce the risk of a crash, and teens with clean driving records have lower insurance rates.