Compare Canada’s best car insurance providers in one place. When choosing the best car insurance for you, remember to consider cost, coverage, and key features.
To start, click the “Compare” button on a provider.
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Accident Benefits / Bodily Insurance
Emergency Road Service
Accident Forgiveness
Replacement Value For Total Loss
Desjardins is an insurance company based in Quebec that offers an array of different insurance types, including car insurance. While they have an array of options available that allow you to customize your insurance package to meet your own, personal needs, they only have insurance available to people living in select provinces.
Pros
- Comprehensive coverage options available
- Save money with their optional safe driver program
- Variety of other ways to save money
Cons
- Slightly higher than average premiums
- Not available in all parts of Canada
- Fewer and lower discounts available
- Regular coverage doesn’t include gig-work
Provinces
ON, AB, BC, NB
Eligibility
- Canadian citizen
- Age of majority
Why You Want It
Perks for customers under age 25 + Ajusto program offers discounts.
Special Features
- Perks for customers under age 25, including rebates and free roadside assistance
- Ajusto drive safe program rewards safe drivers with discounts
Liability Insurance
Accident Benefits / Bodily Insurance
Collision Insurance
Comprehensive Insurance
Emergency Road Service
Uninsured Motorist Coverage
Direct Compensation Property Damage
All Perils
Specified Perils
Accident Forgiveness
Replacement Value For Total Loss
Family Protection
See Issuer for Details
New Vehicle Protection / Depreciation
Loss Of Vehicle Use Endorsement
Rented Or Borrowed Car Protection
Ride Sharing
Conviction Protection / Ticket Forgiveness
See Issuer for Details
Disappearing Deductible
Accident Benefits / Bodily Insurance
Emergency Road Service
Accident Forgiveness
Replacement Value For Total Loss
TD auto insurance is one of several types of insurance coverage offered by TD Insurance. With a comprehensive array of options available to drivers in most of Canada, TDs car insurance has something to offer for pretty much everyone.
Pros
- Comprehensive offering
- Reasonable rates
- Claims Free Reward
- Save with TD MyAdvantage
- Disappearing deductible
- Backed by a big bank
Cons
- Not the lowest rates you’ll find
- Doesn’t cover ridesharing or delivery work
Provinces
AB, NB, NL, NT, NU, NS, ON, PE, YT, QC
Eligibility
- Canadian citizen
- Age of majority
Why You Want It
Membership discounts for 750+ groups + Save with TD MyAdvantage.
Special Features
- Save an average of 30% when you're claims-free
- Convenient TD Insurance app
- TD MyAdvantage driving program rewards safe drivers
- Save 5% on car insurance when you buy online
Liability Insurance
Accident Benefits / Bodily Insurance
Collision Insurance
Comprehensive Insurance
Emergency Road Service
Uninsured Motorist Coverage
Direct Compensation Property Damage
All Perils
Specified Perils
Accident Forgiveness
Replacement Value For Total Loss
Family Protection
New Vehicle Protection / Depreciation
Loss Of Vehicle Use Endorsement
Rented Or Borrowed Car Protection
Ride Sharing
Conviction Protection / Ticket Forgiveness
Disappearing Deductible
Accident Benefits / Bodily Insurance
Emergency Road Service
Accident Forgiveness
Replacement Value For Total Loss
Sonnet Car Insurance is a fully online insurance provider offering home and auto coverage, backed by Definity Financial Corporation. Their biggest draw is competitive rates on car insurance, made possible by their online model that passes savings directly to customers. Sonnet promises an auto insurance quote in just 5 minutes after answering a few easy questions.
Pros
- Ticket forgiveness and other perks
- A user-friendly digital experience
- Fast, precise quotes
- Vroom service bundle and other customization options
Cons
- Mixed online reviews
- Unexpected rate hikes
- Not available in all provinces
- No in-person opportunities
Provinces
PE, NB, NS, ON, QC
Eligibility
- Canadian citizen
- Age of majority
Why You Want It
Get a quick quote online for competitive rates + Add on optional coverages.
Special Features
- Optional coverage that provides reimbursement for roadside assistance expenses
- Company is committed to achieving net-zero emissions by 2040
Liability Insurance
Accident Benefits / Bodily Insurance
Collision Insurance
Comprehensive Insurance
Emergency Road Service
Uninsured Motorist Coverage
Direct Compensation Property Damage
All Perils
Specified Perils
Accident Forgiveness
Replacement Value For Total Loss
Family Protection
New Vehicle Protection / Depreciation
Loss Of Vehicle Use Endorsement
Rented Or Borrowed Car Protection
Ride Sharing
Conviction Protection / Ticket Forgiveness
Disappearing Deductible
Accident Benefits / Bodily Insurance
Emergency Road Service
Accident Forgiveness
Replacement Value For Total Loss
See Issuer for Details
RBC car insurance has quite a lot to offer Canadian consumers, including a wide array of options that let you customize your insurance policy to meet your needs. If you’re looking for the cheapest car insurance available, however, you’ll have to look elsewhere, as RBC’s premiums tend to fall somewhere in the middle of the pack, and they offer few ways to earn any discounts on your premiums.
Pros
- Fairly comprehensive options available
- Middle-of-the-pack premiums
- Backed by one of Canada’s big banks
- Recreational and other vehicle insurance options available
Cons
- Few discounts available
- No option for rental car coverage
- Gig-work isn’t covered
Provinces
NB, NS, ON, PE, QC, AB, NL, NU, NT, YT
Eligibility
- Canadian citizen
- Age of majority
Why You Want It
Comprehensive offerings + Save up to 10% when bundling insurance.
Special Features
- Impressive Satellite Program for emergency roadside and driver assistance
- Quick # number for making claims on a Rogers cell phone
Liability Insurance
Accident Benefits / Bodily Insurance
Collision Insurance
Comprehensive Insurance
Emergency Road Service
Uninsured Motorist Coverage
Direct Compensation Property Damage
All Perils
Specified Perils
Accident Forgiveness
Replacement Value For Total Loss
See Issuer for Details
Family Protection
New Vehicle Protection / Depreciation
Loss Of Vehicle Use Endorsement
Rented Or Borrowed Car Protection
Ride Sharing
See Issuer for Details
Conviction Protection / Ticket Forgiveness
See Issuer for Details
Disappearing Deductible
Accident Benefits / Bodily Insurance
Emergency Road Service
Accident Forgiveness
Replacement Value For Total Loss
See Issuer for Details
If you drive a car in Canada, you need to have car insurance. Scotiabank offers a comprehensive array of auto insurance options for people in most parts of Canada. You can also get an instant car insurance quote online, which you can easily customize, so you only get the options you want and need.
Pros
- Instant online quote available
- Online quote is easily customizable
- 24/7 insurance claims
- Discounts available
Cons
- Online quotes aren’t guaranteed
- You can’t purchase online, you still have to call someone
- May not be the best rates available
- Does not offer coverage for gig-work
Provinces
AB, NB, NL, NS, ON, PE, QC
Eligibility
- Canadian citizen
- Age of majority
Why You Want It
24/7 claims assistance available + Bundling discount opportunities.
Special Features
- Several opportunities for discounts
- 24/7 availability for making claims
Liability Insurance
Accident Benefits / Bodily Insurance
Collision Insurance
Comprehensive Insurance
Emergency Road Service
Uninsured Motorist Coverage
Direct Compensation Property Damage
All Perils
Specified Perils
Accident Forgiveness
Replacement Value For Total Loss
See Issuer for Details
Family Protection
New Vehicle Protection / Depreciation
Loss Of Vehicle Use Endorsement
Rented Or Borrowed Car Protection
Ride Sharing
Conviction Protection / Ticket Forgiveness
Disappearing Deductible
See Issuer for Details
Accident Benefits / Bodily Insurance
Emergency Road Service
Accident Forgiveness
Replacement Value For Total Loss
CAA Auto Insurance is one of several products offered by CAA (Canadian Automobile Association), a well-recognized brand in Canada that provides members with automobile, travel, and insurance services. CAA members also enjoy exclusive rewards, perks, and discounts as part of their membership.
Pros
Cons
Provinces
BC, MB, NB, PE, SK, NS
Eligibility
See Issuer for Details
Why You Want It
Get comprehensive coverage options + Access discounts with membership.
Special Features
- CAA Member discount
- CAA Auto and Home bundle discount
- CAA MyPace for pay-as-you-go coverage
- Electronic proof of auto insurance feature
Liability Insurance
Accident Benefits / Bodily Insurance
Collision Insurance
Comprehensive Insurance
Emergency Road Service
Uninsured Motorist Coverage
See Issuer for Details
Direct Compensation Property Damage
All Perils
Specified Perils
Accident Forgiveness
Replacement Value For Total Loss
Family Protection
See Issuer for Details
New Vehicle Protection / Depreciation
Loss Of Vehicle Use Endorsement
Rented Or Borrowed Car Protection
Ride Sharing
Conviction Protection / Ticket Forgiveness
Disappearing Deductible
See Issuer for Details
