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Types of car insurance coverage
RBC Insurance provides dependable protection for you and your vehicles, helping you stay prepared for the unexpected. Whether it’s an accident, theft, or damage, our coverage supports your financial stability and offers the necessary resources to help you get back on the road.
Liability & other mandatory car insurance
No matter what you drive, your car insurance policy must include some coverage to protect you financially against major risks.
Types of coverage
Protection against liability claims
Protection against injury or death
Protection against uninsured or unidentified drivers
Collision & comprehensive car insurance
Unless you can afford to replace or repair your vehicle, you’ll want some coverage to help protect it from collisions, theft and more.
Types of coverage
Collision coverage
Comprehensive coverage
Direct compensation for property damage coverage
Specific or all perils coverage
Other optional car insurance
You can change the amount of coverage you would receive in certain situations by adding an endorsement (rider) to your policy.
Types of coverage
Family protection endorsement
Waiver of depreciation endorsement
Alternate transportation benefits
Forgiveness for first at-fault accident
Comprehensive emergency roadside and driver assistance program
Auto insurance by vehicle type
Choose from the list of vehicle types below for more relevant coverage that may be right for you:
Ways to save on car insurance in Canada
Save by combining home and auto insurance
Save up to 10% when you insure your main residence and personal vehicle(s) today.
Choose the right deductible
A higher car insurance deductible can lower your premiums, while a lower deductible can save you money at the time of a claim.2
Get a free car insurance quote
Start a free car insurance quote online. It takes only a few minutes to complete.
Frequently asked questions about auto insurance
Yes, car insurance is mandatory in Canada. Drivers must carry at least third-party liability coverage, which pays for injury or property damage you cause to others. Additional mandatory coverages may also be required depending on provincial regulations.
Car insurance may provide financial protection if your vehicle is involved in an accident, damaged, or stolen, or if you are injured in an accident, depending on the coverage you choose. You pay a premium to maintain coverage. If you make a claim, you pay the deductible you selected and your policy helps cover eligible costs up to your policy limits.
You can get insurance for your car through RBC Insurance by requesting a quote online or speaking with an advisor. You will need details such as your postal code, vehicle make and model, driver’s licence history, and coverage preferences.
After you provide your vehicle and driver information, you can review coverage options and purchase a policy online (Ontario and Quebec only) or speak with a licensed advisor. The exact time to finalize coverage may vary depending on verification and payment processing.
Car insurance includes both mandatory and optional coverages that help protect you in the event of a covered claim. Auto policies from RBC Insurance include required protections such as third-party liability and accident benefits, along with optional coverage like collision and comprehensive insurance that help pay for damage to your own vehicle from accidents, theft, or other unexpected events.
Comprehensive coverage helps pay to repair or replace your vehicle if it is damaged by events other than a collision, such as theft, vandalism, fire, hail, or falling objects. With RBC Insurance auto policies, comprehensive coverage is optional but helps protect your vehicle from a wide range of non-collision risks.
Collision coverage helps pay to repair or replace your vehicle if it is damaged in a collision. This includes accidents involving another vehicle, hitting an object such as a guardrail or pole. RBC Insurance offers collision coverage as an optional protection, though it may be required if your vehicle is leased or financed.
Car insurance covers vehicle theft if you have comprehensive coverage. With auto insurance through RBC Insurance, comprehensive coverage can help pay to repair or replace your vehicle if it is stolen or damaged during an attempted theft. Basic liability-only policies do not cover theft of your own vehicle.
Rental car coverage depends on your specific auto insurance policy and the situation. If you rent a vehicle for personal use, some RBC Insurance auto policies may extend certain protections, such as liability coverage, to rental cars. Coverage for damage to the rental vehicle itself may vary and is not always included. If you need a rental car after a covered claim, such as an accident, your policy may include optional loss of use or rental reimbursement coverage to help cover the cost. Separately, some credit cards offer Auto Rental Collision/Loss Damage Waiver coverage when you pay for the full rental with the card. This coverage is provided by the credit card issuer, not RBC Insurance.
To understand what your auto policy covers, review your documents or speak with an RBC Insurance Advisor.
Car insurance costs vary depending on your location, driving history, vehicle type, and coverage choices. Insurers calculate premiums using factors such as your age, claims history, the make and model of your vehicle, and where you live. To see what you may pay for auto insurance through RBC Insurance, get a quote online or contact one of our licensed insurance advisors.
Monthly car insurance costs depend on the same factors that determine your overall premium, including your location, driving record, vehicle type, coverage limits, and deductible. With RBC Insurance, you can choose to pay your premium in monthly installments or pay annually when you purchase your policy.
A deductible is the amount you pay out of pocket when you make a car insurance claim. For example, if repairs cost $7,000 and your deductible is $1,000, you pay the first $1,000 and the insurance provider pays the remaining covered loss. Choosing a higher deductible can help lower your insurance premium.
You can lower car insurance costs by adjusting your coverage choices and taking advantage of discounts. RBC Insurance customers may save by bundling home and auto insurance, choosing a higher deductible, maintaining a clean driving record, and reviewing their policy regularly to ensure coverage matches their needs.
Depending on your province, you can earn a higher discount by driving safely. Speak to your advisor for more information.
Yes, you can cancel your RBC car insurance policy at any time. If you cancel before your policy term ends, your refund will be calculated on a short-rate basis. This means you may receive less than the unused portion of your premium, and administrative costs may apply. To cancel your policy or understand how the refund will be calculated, contact an RBC Insurance Advisor.
Auto insurance across Canada
Auto insurance requirements and coverage options vary across Canada. Select your province or city below to learn about local car insurance requirements, available coverage and ways to save.
Popular cities
Learn more about car insurance
Renting a Car? Understand Your Insurance Options
Making sure you have proper car rental insurance should be part of your pre-travel plan, whether you’re renting a car for a road trip or need a vehicle for personal use or a business trip.
Collector Car Insurance for Collector or Classic Cars
Car collectors understand the value, beauty, and history that vintage cars represent. These are more than just cars: They’re a piece of art on four wheels. Protecting and maintaining them requires skill, care, and the right kind of insurance. These valuable and cherished items aren’t used in the same way drivers use their everyday vehicles, so they aren’t insured in the same way either.
Tips for Preventing Car Theft in Canada
In 2022, the number of vehicle thefts in Ontario and Quebec went up by 50 per cent. Car owners in Alberta saw car thefts rise by almost 20 per cent, and drivers in the Atlantic provinces experienced a 34 per cent rise in thefts. The Canadian Finance & Leasing Association reports that a car is stolen every six minutes in Canada—and that the numbers are continuing to increase.
Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. As a result of government-run auto insurance plans, car insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.
The information on this website is intended as a summary only. All products and services are subject to the terms and conditions of the applicable insurance contract.
Conditions apply. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.
All savings opportunities are based on filed discounts and rates in force and vary based on each individual’s insurance profile and are not guaranteed. Switching insurance and combining home insurance for a primary residence and two vehicles could save Ontario customers up to $805 per year, compared with average annual auto insurance premiums of $2,635 per vehicle and $1,438 for a homeowner’s policy for customers of RBC Insurance in Ontario prior to discounts. Condominium and tenant policies are excluded from this savings calculation.
Certain conditions, limitations and exclusions may apply. For detailed information about how savings could apply to you, including saving opportunities for condominium owners and tenants, speak with a licensed RBC Insurance advisor.
Conditions apply. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.
The repairs are guaranteed as long as you are insured through us.
Service provided by Aviva General Insurance Company. Clients may call 1-888-885-5915 (Mon-Fri, 9am-5pm, ET). Service not available in Quebec. Quebec residents may call 1-888-563-7119 for questions about their policy and coverages.
Risks covered are not limited to those listed.
The Loss of Vehicle Use endorsement provides coverage for reasonable costs up to the limit in your policy. Certain conditions apply.
Coverage applies to the vehicle on which it is purchased. To qualify for this coverage, the automobile must meet all eligibility requirements. Please speak to an RBC licensed insurance advisor to see if you qualify.