Canadian provinces are distinctly different from one another – so it’s not surprising that each province handles auto insurance differently as well. Some provinces provide coverage through the government, some only provide partial coverage, and some might not provide any. Whether you’re travelling or moving to a different province, or just curious as to how your neighbour is covered, we’ve outlined a few of the main provincial differences when it comes to auto insurance.
British Columbia
Average monthly premium: $153
Goverment provided? Yes (
Mandatory coverage:
- Third party liability
- Accident benefits
- Uninsured automobile protection
- Hit and run
- Inverse liability protection
Alberta
Average monthly premium: $110
Goverment provided? No
Mandatory coverage:
- Third party liability
- Accident benefits
Saskatchewan
Average monthly premium: $103
Goverment provided? Yes (
Mandatory coverage:
- Property damage
- Personal injury
- Third party liability
Manitoba
Average monthly premium: $90
Goverment provided? Yes (
Mandatory coverage:
- All perils (collision, comprehensive)
- Third party liability
- Personal injury
Ontario
Average monthly premium: $125
Goverment provided? No
Mandatory coverage:
- Third party liability
- Accident benefits
- Direct Compensation – Property damage
- Uninsured automobile protection
Quebec
Average monthly premium: $60
Goverment provided? Yes, but only accident benefits. (
Mandatory coverage:
- Accident benefits
- Civil liability
- Personal injury
- Property damage
Newfoundland and Labrador
Average monthly premium: $97
Goverment provided? No
Mandatory coverage:
- Third party liability
- Uninsured automobile protection
New Brunswick
Average monthly premium: $72
Goverment provided? No
Mandatory coverage:
- Third party liability
- Accident benefits
- Uninsured automobile protection
- Direct Compensation – Property damage
Prince Edward Island
Average monthly premium: $68
Goverment provided? No
Mandatory coverage:
- Third party liability
- Accident benefits
- Uninsured automobile protection
- Direct Compensation – Property damage
Nova Scotia
Average monthly premium: $74
Goverment provided? No
Mandatory coverage:
- Third party liability
- Accident benefits
- Uninsured automobile protection
- Direct Compensation – Property damage
We hope this helps! It’s a good idea to learn about your own province’s mandatory and optional coverages to make sure you’re fully protected. Find out if you can get
Monthly Average Premiums provided by: GISA & MSA data for private insurers (as of December 31, 2018), SGI Annual Report (2018), MPI Annual Report (2017), Société de l'assurance automobile du Québec (SAAQ), and ICBC Service Plan (2019).
*Manitoba figure is from 2017 due to 2018 not being available.