Guides
Car insurance rules, costs and changes by province.
Auto insurance
6 min read
Many Canadian drivers can lower their car insurance by installing four winter tires. Here is how the winter tire insurance discount works, where it is required, and how to make sure you actually get it.
Read guide arrow_forward
Auto insurance
10 min read
Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here is what each accident benefit pays, who it covers and what could fill the gap if you go without one.
Read guide arrow_forward
Auto insurance
8 min read
No regulator publishes a North York average. Instasure estimates Toronto car insurance at $214 a month ($171 to $266) for an example 40-year-old driver with a clean record, as of October 2026. FSRA's GTA average was $2,868 a year for the 12 months to June 2026.
Read guide arrow_forward
Auto insurance
7 min read
No regulator publishes a Scarborough average. Instasure estimates Toronto car insurance at $214 a month ($171 to $266) for an example 40-year-old driver with a clean record, as of October 2026. Here's how your postal code, record and car move that figure.
Read guide arrow_forward
Auto insurance
10 min read
There is no official national average. The latest official figures put Ontario at $2,164 a year, Alberta at $1,903 and British Columbia at $1,358 for Basic and Optional coverage, each measured its own way. Here are all 13 provinces and territories and 15 cities compared.
Read guide arrow_forward
Auto insurance
5 min read
Most 2026 car insurance increases come from industry-wide costs like repairs, theft and severe weather, plus province-specific rules. Here's what's behind your renewal and 10 practical ways to lower it.
Read guide arrow_forward
Auto insurance
5 min read
Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here's what became optional and how to decide what to keep at renewal.
Read guide arrow_forward
Auto insurance
5 min read
ICBC Basic is mandatory in BC, but it doesn't repair your own car or cover theft and hail. Here's how ICBC optional insurance works, where private insurers fit in and what to consider buying.
Read guide arrow_forward
Auto insurance
5 min read
A personal auto policy may not cover you while you drive for Uber, Lyft, DoorDash or Skip. Here's how to close the gaps in Ontario, from the OPCF 6A endorsement to your accident benefit choices after July 2026.
Read guide arrow_forward
Auto insurance
5 min read
Alberta's 2026 good-driver rate cap is 7.5%, and the province moves to a Care-First injury model on January 1, 2027. Here's what that means for your renewal, your claims and how you shop.
Read guide arrow_forwardEvery request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.
We use first-party analytics cookies to understand which guides help Canadians most. No ads, no selling data. Privacy
