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You know that feeling when you find out you’re getting a really good deal? Maybe it’s bold for us to say, but, we think you’ll be feeling it in about five to 10 minutes. How can we be so sure? 

Well, on average, InsuranceHotline.com shoppers saved $427 after comparing car insurance quotes on our site in 2018 from Jan-Nov 2018 . The average savings amount represents the difference between the consumers' recorded current premium and the lowest premium generated by InsuranceHotline.com. 

Never compared car insurance quotes online before?

Here's why millions of Canadians trust InsuranceHotline.com to find them the cheapest rates on car insurance year after year

What's the cheapest car insurance?

Insurance is funny, in a weird sort of way, because rates can vary wildly between insurance companies. Also, premiums often change so the insurance provider who offered you the best rate two years ago, or even last year, may not be the insurer who offers you the best car insurance rate today. That’s why it’s so important to shop around, because the quote you get from one company can be significantly higher (or lower) than the quote you get from another.

9 easy ways to get the cheapest car insurance

Getting the best rate on auto insurance is easier than you think. Here are nine of our favourite ways to save on car insurance now and in the future. Simple tricks for big savings. 

Frequently asked questions about car insurance

How do I get car insurance quotes from InsuranceHotline.com?

It all starts with your postal code. Enter your postal code into the box and click "Start a Quote". From there, we'll ask you about:

  • 1. Your vehicle and things like your annual kilometres driven
  • 2. Your driving and insurance history
  • 3. Discounts that you may be eligible to receive

Once done, you'll instantly see the lowest rate available from our network of over 30 insurance companies, along with all your other quotes.

From there, we'll connect you directly with the insurance professional that provided the quote. If you update any information when speaking with the insurance broker, note that your quote might change as quotes are based on the information submitted at the time of obtaining the rate.

How does car insurance work in Canada?

No matter where you are in Canada, if you plan to drive you must have auto insurance. But, while this law is consistent coast-to-coast, how you get the coverage you need is not.

About Buying Auto Insurance in Canada

From Private Companies:

Drivers who live in the following provinces must purchase coverage from a private insurance company:

  • Ontario
  • Alberta
  • New Brunswick
  • Prince Edward Island
  • Nova Scotia
  • Newfoundland and Labrador

From the Government:

Drivers who live in the following three provinces must purchase their auto insurance through a government-run agency:

  • British Columbia
  • Saskatchewan
  • Manitoba

A bit of both: Quebec

The Quebec auto insurance model is a bit different than the rest. Some components of a Quebec driver’s coverage are rolled into their driver’s licence and vehicle registration fees.

Other components, however, must be purchased from a private insurer. These components include: the civil liability coverage (which is mandatory) and optional coverages (like collision and comprehensive).

How are car insurance rates determined in Canada?

Car insurance operates differently in each province, but insurers consider the same things when determining an individual’s car insurance premiums. This includes:

  • Your personal driving record and car insurance history
  • Where you live (insurance tends to cost more in urban areas) 
  • The type of car you drive
  • Optional coverage and endorsements you purchase
  • The amount of your deductible 
  • Eligible discounts such as winter tires, bundling car and home insurance, alumni benefits, and other discounts
  • The insurer’s own claims experience


What factors affect my car insurance rate?

There are a lot of factors that go into what you pay for your car insurance coverage in Canada, and a lot can happen over the course of a year that could have a direct impact on your rates come renewal. Here are some major milestones that impact car insurance premiums:

  • Getting married
  • Getting divorced
  • Adding teen drivers to your policy
  • Removing teen drivers or other drivers from your policy
  • Moving to a new neighbourhood, city, province, etc.
  • Buying a new vehicle
  • Removing coverage no longer needed on an older vehicle
  • Graduating from an accredited driver’s ed course
  • Graduating from university or college, or joining another professional organization
  • Retiring from work
  • Getting tickets or into a collision
  • Enough time passing for tickets or collision to be removed from your insurance history


If you’ve made any big changes in your life or reached any of the above milestones, you may be eligible for better rates on car insurance. Don’t wait until it’s time to renew to see if you could be saving money today. Shop around and compare rates anytime you have to call your insurer to update your policy. If there’s a chance your rates might change, there’s a chance you can save money with a different insurer.

What is third-party liability insurance?

Third-party liability insurance is a mandatory component of car insurance policies across Canada. It protects drivers in the event a claim is filed against them for injuries or death caused to another person involved in a collision, or damages to a vehicle obtained in an accident, up to the amount of the coverage, including settlement claims.

The minimum mandatory amounts vary by province, but most insurers recommend that drivers increase their liability insurance if they can. Most insurers provide coverage up to $2 million.  

What is no-fault insurance?

Despite its name, no-fault insurance does not mean no one is at fault. Instead, it means that each driver goes through their own insurance provider regardless of who is at fault. Ontario is an example of a province that operates under a no-fault insurance system.   

It’s interesting to note that the police investigations and insurance companies have different methods for determining fault in an accident and are unrelated to each other. Insurance companies may find you partially at fault in an accident, for example, even in the event the police determine another driver is to blame. This is because multiple things are taken into consideration when determining fault at an insurance level. It is a common misconception that if you are not given a ticket by the police, then you are not at fault for the accident. Your insurer may find otherwise, and you can be found at-fault, partially at-fault, or not at-fault for a collision.

Police will investigate collisions and charge drivers under their provincial highway acts as well as the Criminal Code of Canada. If found guilty, this can have a significant impact on your insurance rates and depending on the severity of the crime, could result in the cancellation of your policy altogether.

What information do I need to provide to get car insurance quotes?

Most of what you'll need to get a quote, you'll know off the top of your head. For example, the make, model and year of the vehicle you drive. Additional information you'll be asked for includes:

  • The type of license you hold and how long you've had it
  • How long you've been insured
  • Any tickets or accidents you've had, and the approximate date
  • If you don't know exact dates or details, your best estimate will do initially.


How long will it take to get my quotes?

It really doesn't take that long, about 5 to 10 minutes. Then, once done, you’ll instantly see the lowest rate available from our network of over 30 insurance companies, along with all your other quotes.

What happens after I get my quote?

That's really up to you. If it's a great rate - and we're confident it will be - you'll be asked to provide your contact details and an insurance representative will get in touch with you. You can also call in to secure your rate if you're ready to chat about it. On the other hand, if you're not interested in the quote you got, then there's no need for you to do anything extra.

Is all car insurance in Canada the same?

All car insurance might seem the same, but it operates differently in each province and territory. Depending on where you live, insurance may be purchased by private, public, or a combination of both providers.

Public insurance is government-run at a provincial level. Private insurance is sold by financial institutions, insurance companies, and insurance brokers, and offers a more competitive landscape. Both types of car insurance are regulated by a provincially governing body.

All provinces and territories require drivers to have auto insurance, which includes mandatory third-party liability coverage across the country. Most provinces require $200,000 minimum in coverage, though Quebec drivers need just $50,000 and Nova Scotia drivers need $500,000.

Province or Territory Type of Car Insurance Mandatory Third-Party Liability Average Premium 2018 Average Premium 2019
Alberta Private $200,000 $1,251 $1,316
British Columbia Public $200,000 $1,680 $1,832
Manitoba Public $200,000 $1,080 $1,080*
New Brunswick Private $200,000 $819 $867
Newfoundland & Labrador Private $200,000 $1,132 $1,168
Northwest Territories Private $200,000 $978 N/A
Nova Scotia Private $500,000 $842 $891
Nunavut Private $200,000 $963 N/A
Ontario Private $200,000 $1,445 $1,505
Prince Edward Island Private $200,000 $796 $816
Quebec Private and Public $50,000 $661* $717
Saskatchewan Public $200,000 $936* $1,235
Yukon Territories Private $200,000 $812 N/A

Rates according to data released by the Insurance Bureau of Canada in July 2018 and August 2019 respectively
* previous year's average

How much can be saved by comparing insurance quotes at InsuranceHotline.com?

Check out these savings found by real InsuranceHotline.com shoppers