Canada-wide
Insurance in Canada, province by province
Insurance is regulated provincially. Car insurance alone works three ways: private markets (Ontario, Alberta, Atlantic Canada), public basic coverage (BC, Manitoba, Saskatchewan) and a hybrid in Quebec. Pick your province for local rules, risks and licensed advisors.
OntarioON
Regulator: FSRA
Auto: Private insurers compete on price
Top risks: Vehicle theft concentrated in the Greater Toronto Area; Basement flooding and sewer backup after intense summer storms
Explore Ontario →
QuebecQC
Regulator: AMF
Auto: SAAQ covers bodily injury; private insurers cover property damage
Top risks: Spring flooding along the St. Lawrence, Ottawa and Rivière des Prairies; Ice storms
Explore Quebec →
British ColumbiaBC
Regulator: BCFSA
Auto: ICBC Basic is mandatory; optional coverage from ICBC or private insurers
Top risks: Earthquake (coastal BC) — usually an optional endorsement; Wildfire in the Interior
Explore British Columbia →
AlbertaAB
Regulator: Superintendent of Insurance
Auto: Private insurers with a government rate cap
Top risks: Hail — Calgary sits in Canada’s “hail alley”; Wildfire (Fort McMurray 2016, Jasper 2024)
Explore Alberta →
ManitobaMB
Regulator: FIRB
Auto: Manitoba Public Insurance (MPI) provides basic Autopac
Top risks: Spring flooding along the Red and Assiniboine rivers; Hail and summer storms
Explore Manitoba →
SaskatchewanSK
Regulator: FCAA
Auto: SGI provides basic plate coverage; optional packages available
Top risks: Hail and severe summer storms; Blizzards and extreme cold
Explore Saskatchewan →
Nova ScotiaNS
Regulator: NS Superintendent of Insurance
Auto: Private insurers
Top risks: Hurricanes and post-tropical storms (Fiona 2022); Coastal and flash flooding (July 2023)
Explore Nova Scotia →
New BrunswickNB
Regulator: FCNB
Auto: Private insurers
Top risks: Saint John River spring flooding (2018, 2019); Winter storms and ice
Explore New Brunswick →
Newfoundland and LabradorNL
Regulator: Service NL
Auto: Private insurers
Top risks: High winds and coastal storms; Heavy snowfall (January 2020 blizzard)
Explore Newfoundland and Labrador →
Prince Edward IslandPE
Regulator: PEI Superintendent
Auto: Private insurers
Top risks: Hurricanes and post-tropical storms (Fiona 2022); Coastal erosion and storm surge
Explore Prince Edward Island →
YukonYT
Regulator: Yukon Superintendent
Auto: Private insurers
Top risks: Wildfire; Extreme cold
Explore Yukon →
Northwest TerritoriesNT
Regulator: NWT Superintendent
Auto: Private insurers
Top risks: Wildfire (2023 Yellowknife evacuation); Extreme cold
Explore Northwest Territories →
NunavutNU
Regulator: Nunavut Superintendent
Auto: Private insurers
Top risks: Extreme cold; Limited insurer availability
Explore Nunavut →