Driving in Canada comes with different rules depending on where you live. While every province requires car insurance, the type of system and coverage varies — with some provinces offering public auto insurance and others leaving it to private companies. In 2025, Canadian drivers can choose from a range of providers offering reliable protection, competitive pricing, and strong customer support.
This guide highlights the top car insurance providers in Canada (2025), explains provincial differences, and offers tips to get the best deal.
Why Car Insurance Is Mandatory in Canada
- Legal requirement – You cannot drive without insurance.
- Financial protection – Covers medical bills, repairs, and liability.
- Peace of mind – Ensures protection in case of accidents, theft, or natural disasters.
Public vs Private Car Insurance in Canada
- Public Insurance: Provinces like British Columbia (ICBC), Manitoba (MPI), and Saskatchewan (SGI) have government-run systems.
- Private Insurance: Provinces like Ontario, Alberta, and Quebec rely mainly on private insurers.
- Hybrid Model: Quebec combines public basic coverage with private add-ons.
Top Car Insurance Providers in Canada (2025)
1. Intact Insurance
- Why it’s trusted: Canada’s largest private auto insurer.
- Highlights:
- Comprehensive coverage options.
- 24/7 claims support.
- Strong customer satisfaction ratings.
- Best for: Drivers wanting reliable, nationwide coverage.
2. Aviva Canada
- Why it’s popular: Known for flexible auto insurance products.
- Highlights:
- Discounts for safe drivers.
- Multi-policy savings when bundled with home insurance.
- Coverage for ride-sharing drivers.
- Best for: Budget-conscious families.
3. TD Insurance
- Why it’s solid: Bank-backed insurance provider.
- Highlights:
- Easy digital claims management.
- Discounts for TD banking clients.
- Wide coverage options.
- Best for: Canadians who already bank with TD.
4. Desjardins Insurance
- Why it’s strong: A cooperative insurer with strong presence in Quebec and Ontario.
- Highlights:
- Usage-based discounts via the Ajusto app.
- Affordable premiums for young drivers.
- Comprehensive coverage options.
- Best for: Students and tech-savvy drivers.
5. The Co-operators
- Why people choose it: Community-driven and member-focused.
- Highlights:
- Personalized coverage.
- Discounts for eco-friendly vehicles.
- Local agent support across Canada.
- Best for: Drivers who prefer personal customer service.
6. Belairdirect
- Why it’s unique: Digital-first, app-friendly insurer.
- Highlights:
- Fast online quotes.
- Convenient mobile app for claims.
- Competitive pricing.
- Best for: Tech-savvy, younger drivers.
Average Car Insurance Costs in Canada (2025)
Rates vary by province, age, and driving history:
- Ontario: $1,600 – $2,100/year (highest among private systems).
- British Columbia (ICBC): $1,800+/year (public system).
- Alberta: $1,300 – $1,800/year.
- Quebec: $900 – $1,200/year (lowest).
Tips for Choosing the Best Provider
- Compare quotes – Prices differ significantly between insurers.
- Bundle policies – Save by combining auto + home insurance.
- Ask about discounts – For safe driving, students, or hybrid cars.
- Check claim reviews – A provider’s claims process is as important as the premium.
- Adjust coverage to your needs – Don’t overpay for unnecessary add-ons.
Final Thoughts
Canada’s car insurance market is a mix of public and private systems, offering options for every type of driver.
- Nationwide coverage: Intact and Aviva.
- Bank-backed: TD Insurance.
- Affordable for young drivers: Desjardins.
- Community service: The Co-operators.
- Digital ease: Belairdirect.
The right choice depends on your province, driving habits, and budget. By comparing and customizing policies, you’ll find coverage that fits your needs in 2025.