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Get Your Car Insurance Quote in Canada
Save up to $6501 when you bundle car and home insurance along with several more ways to save with Intact.
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With us, you stay in the driver's seat. Get a car insurance quote and the right protection for your needs.
- Personalized car insurance premium
Get car insurance that’s priced for you with myDrive™ along with free access to helpful features in the app.2 - Roadside assistance
Get help fast, when you need it. Drive worry-free with roadside assistance. Available at a competitive price, you can add roadside assistance to your auto insurance policy to get help on the road anywhere in Canada and the United States.3 - Support from Canada’s biggest claims team
No one wants to be involved in an accident. In the event it happens, and if you need to make an auto insurance claim, our team will do its best to make sure the process is as quick and easy as possible.
Coverage
Have the right car insurance when you take the wheel and drive worry-free. Our auto insurance offers options from third-party to full coverage, ensuring you get the protection that fits your needs. Coverage options may vary by province, so you can confidently safeguard your car against a wide array of risks.
Pays for injuries caused as a result of an accident and damage you accidentally cause to others.
- Property damage and injury protection (also known as Third Party Liability) pays for damage, legal defence, or injuries to others when you cause an accident.
- Accident Benefits (also called extra medical fund in Quebec and recovery benefits in the rest of Canada) provides financial compensation, including medical expenses, if you're hurt or killed in a car accident.
Standard coverage includes all the mandatory coverage and additionally adds coverage for damage caused to your vehicle.
- All damage protection (also known as All Perils) covers all car damage, including broken glass or theft by a member of your household.
- Accident protection (also known as Collision and Upset) pays for repairs when you're responsible for hitting someone or something with your car.
- Extra damage protection (also known as Comprehensive Coverage) covers broken glass and damage not caused by a collision.
- Limited damage protection (also known as Specified Perils) protects your car against specific types of damage, including theft.
Extra protection for unexpected events.
- Good Record Protection (Accident Rating Waiver Endorsement)
- Unexpected expenses (INOV/Plus Pac)
- Insufficient coverage protection (Family Protection)
- Not-at-fault accident protection (Direct Compensation Property Damage)
- Roadside assistance
- New car protection (Limited Waiver of Depreciation)
- Replacement cost protection (Replacement Cost Endorsement)
- Disappearing deductible (Claims Advantage®)
And many more!
Car owners in Canada
Make sure all your drives, whether short or long, are stress-free. Get a car insurance quote online today or reach out to your broker.
Get tailored car insurance coverage in Canada
Whether you commute daily to downtown Toronto, Ontario, travel further into Quebec suburbs to meet clients, or taking a road trip to the Rocky Mountains in Alberta, having the right auto insurance coverage is essential for your peace of mind. Enjoy your time cruising through Canadian roads, knowing we've got your back.
- Why should you get car insurance coverage in Canada?
If you own a car in Canada, you are required by law to have auto insurance. Think of car insurance as essential protection for both you and your vehicle. In Canada, vehicle repairs can be very costly, and having full car insurance coverage will help safeguard your finances in case of damage. Standard car insurance is invaluable, covering a wide range of potential issues from accidents to theft. Additionally, third-party car insurance is mandatory as it provides financial protection if you are held liable for any harm or damage to others while driving. Ensure you have the right coverage to keep you secure on the road.
- Ways to save on car insurance coverage in Canada
Car insurance is mandatory for all drivers in Canada so make sure you take advantage of these ways to save on your car insurance policy. Here are some of our recommendations:
- Combining your home and car insurance policies
- Enrolling in my Drive™ to get personalized car insurance
- Owning an electric or hybrid car
- Reducing your insurance cost by owning a vehicle that is less expensive to insure
- Remaining a safe driver and limit driving violations
- Taking a driving course
- Increasing your deductibles
Please note the coverages and discount offers vary by province. If you have any questions about your car insurance premium, don’t hesitate to reach out to your broker.
Programs and add-ons
If you have specific needs or want the most competitive offer, take advantage of our programs and endorsements. To learn more, ask your broker or get a car insurance quote.4
my Drive™
Get a personalized car insurance premium with my Drive and access a set of helpful features in the app. Activate my Drive today!
Bundle
Combine your home and auto policies to get the best value for your money and enjoy exclusive benefits.
Roadside assistance
Drive worry-free with roadside assistance from Intact Insurance. Get help fast, when you need it.
Claims advantage
The event you are a victim of a hit and run causing damage to your vehicle over $1,000 or it is a total loss, your deductible will be waived.
Minor conviction rating waiver
Have peace of mind knowing your first minor conviction, such as a speeding ticket, won't affect your premium.
Plus Pac
Automobile physical damage extension package Plus Pac extends your protections. Enjoy coverage for a replacement rental vehicle in the event of an insured loss, coverage for damages you may cause to a rental vehicle in Canada and the United States as well as roadside assistance.
Discover more coverage
Home insurance
Your house is your home. Protect what matters most to you, and your liabilities against unexpected insured events.
RV insurance
Get the protection you need for peace of mind on board your recreational vehicle. No matter if you have an RV, motorhome, or trailer, find the right coverage.
ATV insurance
Your ATV is part of your lifestyle. Get the right insurance for your off-road vehicle before you hit the trails.
Advice to help you to protect what you care about
FAQ
The average annual car insurance premium is approximately $171 per month on average according to the Canadian Private Passenger Vehicle Insurance Rate Comparisons report from October 2022. This average was calculated considering the diverse profiles analyzed in the report, with young drivers potentially paying up to $441 per month, middle-aged drivers around $144 per month, and older drivers between $71 and $79 per month. Actual costs can vary significantly based on factors such as age, driving history, location, type of vehicle, and coverage levels.
In Canada, car insurance is generally cheapest for drivers between the ages of 45 and 65. This age group benefits from extensive driving experience and a lower likelihood of filing claims, which insurers consider when setting premiums.
After age 65, rates may start to increase again due to potential age-related driving challenges. Rates can also vary depending on other factors like driving history, location, type of vehicle, and coverage levels. To get the best rates, drivers should maintain a clean driving record and avail all the eligible discounts to save on their premium.
The cost of car insurance varies widely based on factors like age, driving history, location, type of vehicle, and coverage levels.
In Canada, the highest car insurance rates are typically paid by:
- Young Drivers: Drivers under 25 often face the highest premiums due to their lack of experience and higher risk of accidents.
- New Drivers: Individuals who have recently obtained their driver's license, regardless of age, typically pay more.
- Drivers with Poor Records: Those with a history of accidents, traffic violations, or claims are considered high-risk.
- Urban Drivers: Residents of densely populated urban areas, where accidents and theft are more common, usually face higher costs.
- Drivers of High-Performance or Luxury Vehicles: These vehicles are expensive to repair or replace, leading to higher premiums.
- Drivers with Lapsed Coverage: Individuals with gaps in their insurance coverage may be seen as higher risk.
The lowest insurance is paid by:
- Experienced & Older Drivers: Drivers with many years of experience and good driving records typically pay less.
- Married Individuals: Married drivers often enjoy lower rates.
- Low-Mileage Drivers: Those who drive less frequently usually benefit from reduced premiums.
- Young Drivers with Good Grades: Students with high academic performance can often get discounts.
While some factors are beyond your control, your driving habits significantly impact on your insurance premium.
Programs like MyDrive can help you monitor and improve your driving behavior, such as speed, braking, and acceleration. These programs provide feedback to help you drive more efficiently and safely, potentially lowering your premiums over time.
Quebec ($960) has the cheapest and Ontario ($1,970) has the most expensive car insurance in Canada, based on the 2025 Mid-Year Market & Trends Report by the Automobile Insurance Rate Board (AIRB).
These rates reflect the data provided in the report for diverse driver profiles and locations.
Comprehensive car insurance in Canada covers damage to your vehicle from non-collision-related incidents, such as theft, vandalism, fire, natural disasters, and falling objects.
Many car insurance policies in Canada include coverage for rental cars, but it varies by provider and policy. Check with your agent or broker to confirm if your policy includes rental car coverage or if you need to purchase additional coverage.
Car insurance in Canada works by providing financial protection against various types of loss or damage related to your vehicle. You pay a premium, and in return, your insurer may cover certain costs, such as repairs, medical expenses, and liability claims, depending on the coverage you have chosen. Each insured person pays a personalized premium based on their risk profile.
Yes, if you have standard coverage, it typically covers theft of your vehicle, including the cost to replace it up to the policy's limits. Learn more on how to prevent car theft.
Didn’t find what you were looking for?
Get a car insurance quote in Canada
Have the right protection for the twists and turns of the highway. Start by getting an auto insurance quote to find the best policy for your needs. With us, you stay in the driver’s seat.
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