Personal Insurance
Car Insurance
Every Canadian province requires a minimum level of auto insurance. The minimum keeps you on the road, but it doesn't usually cover what actually happens day-to-day: a hailstorm, a parking-lot ding, the rideshare side gig you started last fall, or the new driver in the household. We compare quotes from 120+ carriers to find the right coverage, not just the cheapest.
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Who we cover
Almost any licensed driver in Canada, though high-risk drivers, new arrivals, and specialty vehicle owners get the most value from a broker. We insure cars, SUVs, trucks, electric vehicles (EVs), and specialty vehicles like trailers, motorcycles, and ATVs.
- Standard drivers, clean abstracts, single vehicle
- Multi-vehicle households
- New drivers (G1/G2 in Ontario, equivalent in other provinces)
- New Canadians without local driving history
- Drivers with tickets, accidents, or lapses
- Rideshare and delivery drivers
- Electric Vehicle (EV) owners and hybrid drivers
What's typically included
A standard auto policy in Canada includes liability, accident benefits, uninsured motorist, and direct compensation. Optional coverages, collision, comprehensive, rental, are where you tailor the policy to your vehicle's value.
- Third-party liability ($1M / $2M most common)
- Accident benefits (medical, rehab, lost income)
- Direct Compensation - Property Damage (DCPD)
- Collision coverage
- Comprehensive (theft, hail, fire, vandalism)
- Rental car reimbursement
- Loss of use and roadside assistance
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
What moves the premium
Insurance companies price auto premiums based on a combination of who you are, what you drive, and where you park it overnight. Driving record carries the most weight, by far.
- Driving record (tickets, at-fault accidents, suspensions)
- Vehicle: make, model, year, value
- Postal code (urban rates higher than rural)
- Annual kilometres driven
- Number of years licensed
- Use: commute, pleasure, business, rideshare
Ready for a quote on car insurance? Talk to a real broker who specializes in it.
Frequently Asked Questions
How much does Car Insurance Cost?
Car insurance is priced on a combination of who you are, what you drive, and where you live. Driving record carries the most weight, by far. The biggest factors:
- Your Vehicle(s) Make, Model, and Year
- Estimated Kilometers You Driver Every Year, including Business Use
- The City & Area that you live in
What Vehicles Can be Insured?
We've insured thousands of Canadian Vehicles. Whatever you drive, we can usually find a market. Vehicle types we insure include:
- Cars & SUV's
- Electric Vehicles
- Trailers
- Motorcycles
- ATV's
- Many More
What does Car Insurance cover?
A standard auto policy in Canada includes a few required coverages plus optional add-ons tailored to your vehicle. Coverage typically includes:
- Third-Party Liability
- Accident Benefits
- Direct Compensation - Property Damage (DCPD)
- Collision Coverage
- Comprehensive Coverage (theft, hail, fire, vandalism)
- Loss of Use and Rental Reimbursement
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
Still have questions? We'll quote it, explain it, and let you decide.
How can I save money on Car Insurance?
Car Insurance covers you against any unexpected costs that arise when accidents occur. Car Insurance protects you from having to pay large amounts of money, time, and emotions in the events of any loss and damage that could occur from an accident, theft, and more. In spite of the type of vehicle that you have, you'll need to protect your vehicle and passengers from injuries, potential lawsuits, and other liabilities that could arise on the road. We've insured more than 10,000 vehicles across Canada. Here's some ways for you to save money on your Car Insurance:
- Bundle Your Home + Car Insurance with us to get an extra discount on both policies or insure two or more vehicles to get our automatic 'multi vehicle discount'
- Maintain a positive driving record by remaining conviction free with little to no claims
- Increase your Deductible – The higher your deductible rate the lower your month to month payments on your insurance. If you can afford a $1,000 repair for your vehicle, you could instead request an increased deductible of $1,000 so that you have lower monthly payments on your insurance
- Consider Driving a Low Risk Vehicle – In the insurance world, your insurance costs are calculated based on your vehicle's previous history, so the more likely your vehicle is in a condition to be damaged, stolen, or more likely be in an accident, your insurance premium will be higher
- New Driver? Take a drivers training course
Other Insurance We Offer
We're partners with over 120 Canadian insurance providers and cover the full range of personal and commercial insurance. If you need it, we likely write it.
Business Insurance
Personal Insurance
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Talk to a broker who actually knows this space. We'll quote it, explain it, and let you decide.
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