Auto insurance is mandatory in all provinces of Canada. By law, auto insurance is required before you register a car and drive it. Driving an uninsured car is a serious offence with penalties: heavy fines and/or licence suspension for repeat offenders.
Car insurance covers the driver (main users and additional drivers), occupants and potentially any pedestrians involved in a collision with the vehicle. These are the people that the law aims to protect by providing a way to claim for damages. Depending on your insurance policy, the actual physical damage to the vehicle may also be covered. Mandatory basic car insurance varies from province to province and includes accident benefits (except for Labrador and Newfoundland) and third-party liability coverage.
In the Canadian provinces of British Columbia, Saskatchewan, Manitoba, and Quebec, the government runs the auto insurance system and provides mandatory auto insurance plans through ICBC, SGI, MPI and SAAQ. Additional coverage can be obtained from private auto insurers.
For other provinces or territories, you could directly get an auto insurance quote from local/national auto insurance providers, or search for an insurer online. Here are some of the popular private auto insurance companies in the country: