{"id":39108,"date":"2026-07-03T12:00:00","date_gmt":"2026-07-03T16:00:00","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=39108"},"modified":"2026-07-07T15:20:20","modified_gmt":"2026-07-07T19:20:20","slug":"guide-to-car-insurance-newcomers-canada","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/guide-to-car-insurance-newcomers-canada","title":{"rendered":"Guide to Car Insurance for Newcomers to Canada"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Guide to Car Insurance for Newcomers to Canada<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-07-03T12:00:00-04:00\">July 3, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">14 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128\" alt=\"The Freelance Squad\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\"><\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">The Freelance Squad<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/06\/shutterstock_2316236993_edit.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Guide to Car Insurance for Newcomers to Canada\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/06\/shutterstock_2316236993_edit.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/06\/shutterstock_2316236993_edit.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/06\/shutterstock_2316236993_edit.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Guide to Car Insurance for Newcomers to Canada &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/guide-to-car-insurance-newcomers-canada\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/guide-to-car-insurance-newcomers-canada\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Car insurance is mandatory in Canada<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-car-insurance-is-mandatory-in-canada\">Car insurance is mandatory in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-understanding-car-insurance-in-canada\">Understanding car insurance in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-types-of-car-insurance-coverage-in-canada\">Types of car insurance coverage in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-get-car-insurance-as-a-newcomer\">How to get car insurance as a newcomer<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#block-dafa4e4f-61d1-4e96-9055-8aba25f10946\">Documents you need to get car insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-can-newcomers-to-canada-use-a-foreign-driver-s-licence\">Can newcomers to Canada use a foreign driver\u2019s licence?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-newcomers-can-save-on-car-insurance-in-canada\">How newcomers can save on car insurance in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-getting-started-with-car-insurance-in-canada\">Getting started with car insurance in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-get-your-free-car-insurance-quote\">Get Your Free Car Insurance Quote<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Building a life in a new country comes with a long \u201cto do\u201d list. There\u2019s finding a place to live, opening a bank account, getting a phone plan \u2014 and that\u2019s just the beginning. For many newcomers, buying a car eventually lands on that list. And with it, car insurance.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/understanding-car-insurance-for-new-drivers\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/understanding-car-insurance-for-new-drivers\/\" data-dig-id=\"LP-CarInsurance-39108-0382e3fe\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Car insurance in Canada\" class=\"rbc-link-format\">Car insurance in Canada<\/a> works differently than it does in many other countries. While auto insurance is mandatory across Canada, the rules, minimum coverage levels, and available insurers can vary by province or territory. For experienced drivers arriving from abroad, the challenge is often not just learning to drive on Canadian roads, but also navigating a new insurance system. What does car insurance cover? What is comprehensive car insurance?<\/p>\n\n\n\n<p>This guide explains what newcomers to Canada should know about car insurance in Canada, including how it works, the types of auto insurance, and what can influence the cost.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\">\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\"><a><\/a>Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Car insurance is required everywhere in Canada, but the rules and minimum coverage requirements vary by province and territory.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Depending on where you live, you\u2019ll buy insurance through a public (government-run) system, a private insurer, or a combination of both.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Most newcomers can use a valid foreign driver\u2019s licence for a limited time before they need to get a Canadian driver\u2019s licence.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you have driving experience from another country, documents such as a driver\u2019s abstract or a letter of experience may help you get a better insurance rate.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Proof of insurance is typically required before you can register a vehicle in Canada.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-car-insurance-is-mandatory-in-canada\">Car insurance is mandatory in Canada<\/h2>\n\n\n\n<p>Car insurance is required by law in Canada. You can\u2019t legally drive without it. However, the rules are set by each province or territory, which means the minimum coverage you must carry \u2014 known as the mandatory minimum coverage \u2014 depends on where you live.<\/p>\n\n\n\n<p>Driving without insurance is taken seriously across the country. The exact penalties vary by province or territory, but it can include hefty fines, licence suspension, or having your vehicle impounded.<\/p>\n\n\n\n<p>In Ontario, for example, a first conviction for driving without insurance carries <strong>a fine of <\/strong><a href=\"https:\/\/www.ontario.ca\/laws\/statute\/90c25\"><\/a><a href=\"https:\/\/www.ontario.ca\/laws\/statute\/90c25\" data-dig-id=\"LP-CarInsurance-39108-3201ccf2\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"$5,000 to $25,000\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\"><strong>$5,000 to $25,000<\/strong><\/a>, plus a possible 25 per cent victim fine surcharge. A driver\u2019s licence can also be <strong>suspended for up to one year<\/strong>, and the vehicle may be <strong>impounded for up to three months<\/strong>, according to <a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/its-law-what-you-need-know\"><\/a><a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/its-law-what-you-need-know\" data-dig-id=\"LP-CarInsurance-39108-44275ac8\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Ontario\u2019s Financial Services Regulatory Authority\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">Ontario\u2019s Financial Services Regulatory Authority<\/a>.<\/p>\n\n\n\n<p>Beyond these immediate penalties, the financial risk can be enormous. If an uninsured driver causes an at-fault collision, they could be on the hook for paying the full cost of injuries and damages, which can run into the hundreds of thousands of dollars \u2014 or more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-car-insurance-in-canada\">Understanding car insurance in Canada<\/h2>\n\n\n\n<p>One of the first things you may notice about car insurance in Canada is that there isn\u2019t a single national system. The rules, coverage requirements, and even where you buy insurance depend on where you live.<\/p>\n\n\n\n<p>In a nutshell, Canada\u2019s car insurance market operates under three different systems: public, private, and hybrid:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Public insurance: <\/strong>Drivers buy mandatory coverage from a government-run insurer. <a href=\"https:\/\/www.icbc.com\/about-icbc\"><\/a><a href=\"https:\/\/www.icbc.com\/about-icbc\" data-dig-id=\"LP-CarInsurance-39108-47d82cca\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"British Columbia\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">British Columbia<\/a>, <a href=\"https:\/\/www.mpi.mb.ca\/insurance\/\"><\/a><a href=\"https:\/\/www.mpi.mb.ca\/insurance\/\" data-dig-id=\"LP-CarInsurance-39108-f24a3bd0\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Manitoba\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">Manitoba<\/a>, and <a href=\"https:\/\/sgi.sk.ca\/basic-auto-damage-insurance\"><\/a><a href=\"https:\/\/sgi.sk.ca\/basic-auto-damage-insurance\" data-dig-id=\"LP-CarInsurance-39108-cd4fd355\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Saskatchewan\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">Saskatchewan<\/a> use this model. Optional coverage may also be available through private providers.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Private insurance<\/strong>: Drivers buy both mandatory and optional coverage from a <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" data-dig-id=\"LP-CarInsurance-39108-9f9ffde2\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"private insurer, such as RBC Insurance\" class=\"rbc-link-format\">private insurer, such as RBC Insurance<\/a>. Ontario, Alberta, and most of Atlantic Canada follow this model.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Hybrid insurance:<\/strong> Quebec combines private and public coverage. Bodily injury claims are handled through the public SAAQ plan, while property damage and civil liability coverage are dealt with through private insurance.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Minimum coverage requirements vary across Canada. The <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><\/a><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\" data-dig-id=\"LP-CarInsurance-39108-486ac9b7\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Insurance Bureau of Canada\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">Insurance Bureau of Canada<\/a> maintains a comprehensive summary.<\/p>\n\n\n\n<p>Here is the minimum coverage required, current for June 2026:<\/p>\n\n\n\n<div class=\"wp-block-rbc-basic-tables basicTables\">\n<div class=\"wp-block-rbc-basic-table basicTable\"><div class=\"basicTable__sliderNav\" role=\"navigation\" aria-label=\"Table navigation\"><div class=\"basicTable__navArrow basicTable__prevArrow\" aria-label=\"Previous\"><\/div><div class=\"basicTable__sliderDots\" role=\"tablist\" aria-label=\"Table pagination\"><\/div><div class=\"basicTable__navArrow basicTable__nextArrow\" aria-label=\"Next\"><\/div><\/div><table class=\"basicTable__table\" role=\"table\" aria-label=\"Comparison table\">\n<thead class=\"wp-block-rbc-basic-table-head basicTableHead\" role=\"rowgroup\" aria-label=\"Table head\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-province-territory\">Province\/Territory<\/h4>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-market\">Market<\/h4>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-minimum-coverage-required\">Minimum coverage required<\/h4>\n<\/th>\n<\/tr>\n<\/thead>\n\n\n\n<tbody class=\"wp-block-rbc-basic-table-body basicTableBody\" role=\"rowgroup\" aria-label=\"Table body\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Alberta<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Private<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$200,000 minimum third-party liability coverage.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Atlantic provinces (New Brunswick, Newfoundland and Labrador, and Prince Edward Island)<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Private<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$200,000 minimum third-party liability coverage.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>British Columbia<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Public through <a href=\"https:\/\/icbc.com\/\"><\/a><a href=\"https:\/\/icbc.com\/\" data-dig-id=\"LP-CarInsurance-39108-ab099162\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"ICBC\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">ICBC<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/icbc.com\/insurance\/products-coverage\/basic-insurance\" data-dig-id=\"LP-CarInsurance-39108-48743a52\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Basic Autoplan\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">Basic Autoplan<\/a> is the minimum required coverage, which includes up to:<\/p>\n\n\n\n<p>\u2022 $200,000 of basic vehicle damage coverage.<\/p>\n\n\n\n<p>\u2022 $200,000 in third-party liability coverage.<\/p>\n\n\n\n<p>\u2022 $1 million in underinsured motorist protection and inverse liability protection.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Manitoba<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Public through <a href=\"https:\/\/www.mpi.mb.ca\/\"><\/a><a href=\"https:\/\/www.mpi.mb.ca\/\" data-dig-id=\"LP-CarInsurance-39108-fca10a22\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Manitoba Public Insurance\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">Manitoba Public Insurance<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/www.mpi.mb.ca\/insurance\/?subtopic=autopac-basic\" data-dig-id=\"LP-CarInsurance-39108-6186d488\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"AutoPac \u2014 Basic\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">AutoPac \u2014 Basic<\/a> is the minimum required minimum coverage, which includes:<\/p>\n\n\n\n<p>\u2022 Up to $500,000 in third-party liability coverage.<br>\u2022 All perils coverage.<br>\u2022 Personal injury coverage.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Northwest Territories<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Private<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$200,000 minimum third-party liability coverage.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Nunavut<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Private<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$200,000 minimum third-party liability coverage.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Nova Scotia<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Private<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$200,000 minimum third-party liability coverage.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Ontario<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Private<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$200,000 minimum third-party liability coverage.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Quebec<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Hybrid<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$50,000 in civil liability coverage from a private insurer.<\/p>\n\n\n\n<p>Qu\u00e9bec&#8217;s public automobile insurance plan includes no-fault coverage for bodily injury or death because of an accident.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Saskatchewan<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Public through <a href=\"https:\/\/sgi.sk.ca\/\" data-dig-id=\"LP-CarInsurance-39108-e4e0d329\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Saskatchewan Government Insurance\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">Saskatchewan Government Insurance<\/a> (SGI)<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$200,000 minimum third-party liability coverage.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Yukon<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Private<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$200,000 minimum third-party liability coverage.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Row 12 Col 1<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Row 12 Col 2<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Row 12 Col 3<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>One thing to note: <\/strong>insurance systems also differ in <em>how<\/em> accident claims are handled and <em>when<\/em> drivers can sue after a collision. These rules vary by province and can be more complex than the minimum coverage requirements shown above.<\/p>\n\n\n\n<p>Although most provinces require at least $200,000 in third-party liability coverage, many drivers choose to carry up to $2 million for extra peace of mind. In many cases, increasing your coverage limit costs less than people expect.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-car-insurance-coverage-in-canada\">Types of car insurance coverage in Canada<\/h2>\n\n\n\n<p>Car insurance in Canada falls into two main categories: <strong>mandatory coverage<\/strong> (required by law) and <strong>optional coverage<\/strong> (extra protection that can be added to your policy). The rules vary by province or territory, but most drivers will encounter the same core types of auto insurance coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-liability-and-other-mandatory-coverage\">Liability and other mandatory coverage<\/h3>\n\n\n\n<p>Your car insurance policy must include <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/liability-and-other-mandatory-car-insurance\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/liability-and-other-mandatory-car-insurance\/\" data-dig-id=\"LP-CarInsurance-39108-bd42848b\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"certain types of coverage to protect you financially\" class=\"rbc-link-format\">certain types of coverage to protect you financially<\/a> if something goes wrong on the road. Here are three main types of coverage that are typically required:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Third-party liability<\/strong> , also known as \u201ccivil liability\u201d in Quebec helps protect you if you\u2019re responsible for an accident that injures or kills someone, or damages someone\u2019s property. It can help cover things like legal costs, settlements, and repair bills.<br><\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Accident benefits<\/strong> help pay for expenses if you\u2019re injured in a car accident, no matter who caused it. Depending on where you live, this may include medical care, rehabilitation, income replacement, and other recovery-related costs. Note that accident benefits is not mandatory for British Columbia, Saskatchewan, Manitoba, Quebec, or Newfoundland.<br><\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Uninsured automobile coverage<\/strong> protects you if you\u2019re injured by an uninsured driver or involved in a hit-and-run. In some cases, it may also help cover vehicle damage. In Alberta, British Columbia, Saskatchewan, and Manitoba, this coverage is part of their public plan. For Quebec, uninsured driver coverage is handled by <a href=\"https:\/\/saaq.gouv.qc.ca\/en\/\"><\/a><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/\" data-dig-id=\"LP-CarInsurance-39108-a11aa396\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"SAAQ\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">SAAQ<\/a>.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-collision-coverage\">Collision coverage<\/h3>\n\n\n\n<p>Collision coverage is optional in most provinces. It can help pay to repair or replace your vehicle if it\u2019s damaged in a collision with another vehicle or object, or if it rolls over \u2014 even if the accident was your fault.<\/p>\n\n\n\n<p>There are a few situations where this coverage may be worth considering. If your vehicle is financed or leased, your lender may require collision coverage as a condition of the loan or lease. It may also make sense if you own a newer vehicle or want additional financial protection against costly repair bills after an accident.<\/p>\n\n\n\n<p>And if you\u2019re new to driving on Canada\u2019s icy or snowy roads? That added protection could be worth considering.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-comprehensive-coverage\">Comprehensive coverage<\/h3>\n\n\n\n<p>Comprehensive coverage is also optional. Unlike collision coverage, it protects your vehicle from damage caused by things other than a crash. That might include fire, theft, vandalism, falling tree branches, hail, and certain weather-related damage.<\/p>\n\n\n\n<p>Some insurers also offer all perils coverage, which bundles collision and comprehensive coverage into a single policy for broader protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-specific-perils-coverage\">Specific perils coverage<\/h3>\n\n\n\n<p>Specific perils or named perils coverage is a more limited \u2014 and typically less expensive \u2014 alternative to comprehensive coverage. Instead of covering a wide range of risks, it only protects against specific events listed in your policy, such as fire, theft, or hail.<\/p>\n\n\n\n<p>The trade-off? You\u2019re covered for fewer situations. So, if you&#8217;re looking for broader protection, comprehensive or all perils coverage may be a better fit. Specific perils coverage is generally chosen by drivers who want some extra protection while keeping insurance costs down.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-get-car-insurance-as-a-newcomer\">How to get car insurance as a newcomer<\/h2>\n\n\n\n<p>Getting car insurance in Canada is usually quite straightforward. Here are five steps to take:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-get-a-valid-driver-s-licence\">1. Get a valid driver\u2019s licence<\/h3>\n\n\n\n<p>You&#8217;ll need a valid licence before you can legally drive in Canada.Depending on your country of origin, you may be able to use an accepted foreign or international licence for a limited time. The specifics vary by provincial or territorial licensing rules.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-register-your-vehicle\">2. Register your vehicle<\/h3>\n\n\n\n<p>Vehicle registration is handled by your local motor vehicle authority. For example, <a href=\"https:\/\/www.ontario.ca\/page\/register-and-insure-vehicle-ontario\"><\/a><a href=\"https:\/\/www.ontario.ca\/page\/register-and-insure-vehicle-ontario\" data-dig-id=\"LP-CarInsurance-39108-b6c1bd08\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"ServiceOntario\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">ServiceOntario<\/a> in Ontario, <a href=\"https:\/\/saaq.gouv.qc.ca\/en\/\"><\/a><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/\" data-dig-id=\"LP-CarInsurance-39108-87d5bb4b\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"SAAQ\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">SAAQ<\/a> in Quebec, or <a href=\"https:\/\/icbc.com\/vehicle-registration\/buy-vehicle\/registering-a-vehicle-in-B-C\"><\/a><a href=\"https:\/\/icbc.com\/vehicle-registration\/buy-vehicle\/registering-a-vehicle-in-B-C\" data-dig-id=\"LP-CarInsurance-39108-eec02d0f\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"an ICBC Autoplan broker\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">an ICBC Autoplan broker<\/a> in British Columbia. In most cases, you must have proof of car insurance before your vehicle can be registered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-get-a-quote\">3. Get a quote<\/h3>\n\n\n\n<p>In provinces where there are private auto insurance companies, compare a few quotes before deciding on a policy. Insurance premiums can vary based on factors, like where you live, the type of vehicle you drive, your driving history, and the coverage options you choose. When comparing quotes, look beyond the price alone and pay attention to things like coverage limits, deductibles, and any optional protections that may be included.<\/p>\n\n\n\n<p>With RBC Insurance, you can <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=E4AMMPP&amp;Lang=EN\"><\/a><a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=E4AMMPP&amp;Lang=EN\" data-dig-id=\"LP-CarInsurance-39108-f99b83af\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"get an online quote\" class=\"rbc-link-format\">get an online quote<\/a> in just a few minutes. Or <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-CarInsurance-39108-1bbd2cbe\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"book a call\" class=\"rbc-link-format\">book a call<\/a> with a licensed RBC Insurance advisor to review your options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-provide-proof-of-prior-driving-experience\">4. Provide proof of prior driving experience<\/h3>\n\n\n\n<p>If you&#8217;ve driven and insured a vehicle before, gather any documents that show your driving history.A driver\u2019s abstract or a letter from your previous insurer may help demonstrate your driving experience and could work in your favour when applying for car insurance in Canada.<\/p>\n\n\n\n<p>First-time driver? Check out <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/understanding-car-insurance-for-new-drivers\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/understanding-car-insurance-for-new-drivers\/\" data-dig-id=\"LP-CarInsurance-39108-2447ef81\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"our guide to understanding car insurance for new drivers\" class=\"rbc-link-format\">our guide to understanding car insurance for new drivers<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-choose-your-coverage-and-bind-the-policy\">5. Choose your coverage and bind the policy<\/h3>\n\n\n\n<p>Before you buy a policy, make sure you understand what&#8217;s included and whether you need any extra coverage.Once your policy is in force, you\u2019ll receive a \u201cpink slip\u201d \u2014 a document that shows proof of auto insurance and that you should always keep in your vehicle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Documents you need to get car insurance<\/h2>\n\n\n\n<p>Most insurers will ask for the following when you apply for car insurance in Canada:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A valid driver\u2019s licence (Canadian, or an accepted foreign or international licence).<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Proof of identity, such as a passport, permanent resident card, or work or study permit.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vehicle registration or bill of sale.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vehicle information, including the make, model, year, vehicle identification number (VIN), declared value, intended use, and annual mileage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your Canadian address, which insurers use as one factor when calculating your premium.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Proof of previous insurance coverage and a driver\u2019s abstract from your home country, if available.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<p>If your documents aren\u2019t in English or French, the insurer may ask for a certified translation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-newcomers-to-canada-use-a-foreign-driver-s-licence\">Can newcomers to Canada use a foreign driver\u2019s licence?<\/h2>\n\n\n\n<p>In most cases, yes.<\/p>\n\n\n\n<p>Most provinces and territories allow newcomers to drive with a valid foreign driver\u2019s licence for a limited time after arriving in Canada. That grace period can range from 30 days to six months, depending on where you live. Once that ends, you&#8217;ll generally need to get a Canadian driver\u2019s licence.<\/p>\n\n\n\n<p>An <a href=\"https:\/\/travel.gc.ca\/travelling\/documents\/international-driving-permit\" data-dig-id=\"LP-CarInsurance-39108-654946d3\" data-dig-label=\"International Driving Permit \" data-dig-action=\"link click\" data-dig-category=\"LP-CarInsurance\" class=\"rbc-link-format\"><\/a><a href=\"https:\/\/travel.gc.ca\/travelling\/documents\/international-driving-permit\"><\/a><a href=\"https:\/\/travel.gc.ca\/travelling\/documents\/international-driving-permit\" data-dig-id=\"LP-CarInsurance-39108-11c8aa04\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"International Driving Permit\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">International Driving Permit<\/a> (IDP) can also be helpful if your original licence isn&#8217;t in English or French. However, an IDP is not a licence on its own \u2014 it&#8217;s simply an official translation of your existing licence.<\/p>\n\n\n\n<p>Some provinces or territories have reciprocal licence-exchange agreements with certain countries, allowing eligible drivers to swap their foreign driver\u2019s licence for a Canadian one without taking a road or knowledge test. Common partner countries include the United States, the United Kingdom, Australia, New Zealand, Japan, South Korea, and much of Europe \u2014 though the exact list varies by province. Check with your motor vehicle authority for specific country lists.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-newcomers-can-save-on-car-insurance-in-canada\">How newcomers can save on car insurance in Canada<\/h2>\n\n\n\n<p>Car insurance premiums aren&#8217;t one-size-fits-all. What you pay depends on things like your driving history, where you live, the vehicle model, and the policy you choose. But understanding how these factors may affect your premium can help you keep costs down.<\/p>\n\n\n\n<p>Here are some tips to help manage costs:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Get a letter of experience:<\/strong> If you&#8217;ve been insured in another country, ask your previous provider for a letter confirming your insurance history and any claims-free years. Some Canadian insurers may take this into account when calculating your premium.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Maintain a clean driving record:<\/strong> Insurers in Canada generally consider your driving history when setting premiums. Avoiding tickets and at-fault accidents could help you qualify for lower rates over time.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Choose a higher deductible:<\/strong> A higher deductible \u2014 or the amount you pay out of pocket on a claim before insurance kicks in \u2014 may help lower your premium. The trade-off is that you\u2019d pay more if you ever need to file a claim.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Complete a certified driver\u2019s course:<\/strong> Some insurers offer discounts to drivers who complete a Ministry of Transportation approved driver education program. Speak to your insurance company to confirm if you would be eligible for a discount.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Bundle your home and auto policy:<\/strong> If you need both home and auto insurance, buying them from the same insurer may qualify you for a discount. For instance, you can <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/home-and-auto-insurance-savings\/\" data-dig-id=\"LP-CarInsurance-39108-822332e8\" data-dig-label=\"save up to 10 percent \" data-dig-action=\"link click\" data-dig-category=\"LP-CarInsurance\" class=\"rbc-link-format\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/home-and-auto-insurance-savings\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/home-and-auto-insurance-savings\/\" data-dig-id=\"LP-CarInsurance-39108-f0daa42b\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"save up to 10 percent\" class=\"rbc-link-format\">save up to 10 percent<\/a> when you bundle a car insurance policy with a homeowner&#8217;s, condo or tenant insurance policy through RBC Insurance.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Enrol in a telematics program:<\/strong> Some insurers offer programs that track your driving habits through a mobile app. Safe driving may earn you a discount at renewal. For instance, RBC Insurance, through its underwriter Aviva General Insurance Company, offers a telematics program called Aviva Journey.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<p>For more cost-cutting ideas, read our guide to <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\/\" data-dig-id=\"LP-CarInsurance-39108-1bd8dff5\" data-dig-label=\"saving money on car insurance.\" data-dig-action=\"link click\" data-dig-category=\"LP-CarInsurance\" class=\"rbc-link-format\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\/\" data-dig-id=\"LP-CarInsurance-39108-f103f769\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"saving money on car insurance\" class=\"rbc-link-format\">saving money on car insurance<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-getting-started-with-car-insurance-in-canada\">Getting started with car insurance in Canada<\/h2>\n\n\n\n<p>Moving to Canada comes with plenty of paperwork and decisions, but car insurance doesn&#8217;t have to be one of the complicated ones.<\/p>\n\n\n\n<p>While the rules and coverage requirements vary, the basics are largely the same across the country. Car insurance is mandatory, you&#8217;ll need a valid driver&#8217;s licence and proof of insurance to get on the road, and there are ways to cut premium costs.<\/p>\n\n\n\n<p><strong>Ready to learn more? Explore <\/strong><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" data-dig-id=\"LP-CarInsurance-39108-103e4138\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance\u2019s car insurance options\" class=\"rbc-link-format\"><strong>RBC Insurance\u2019s car insurance options<\/strong><\/a><strong> or <\/strong><a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=E4AMMPP&amp;Lang=EN\"><\/a><a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=E4AMMPP&amp;Lang=EN\" data-dig-id=\"LP-CarInsurance-39108-e6a363da\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"get a car insurance quote online\" class=\"rbc-link-format\"><strong>get a car insurance quote online<\/strong><\/a><strong>.<\/strong><\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-get-your-free-car-insurance-quote\">Get Your Free Car Insurance Quote<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Take a few minutes to get a competitive auto insurance quote online<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A13&amp;Lang=FR\" data-dig-id=\"LP-11882-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Start my Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A13&amp;Lang=FR \">Start my Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" target=\"_blank\" data-dig-id=\"LP-Assuranceauto-7536-eb5cbf80\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs\">\n<h3 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-about-car-insurance-for-newcomers-to-canada\">Frequently asked questions about car insurance for newcomers to Canada<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-can-i-drive-in-canada-with-my-foreign-driver-s-licence\">Can I drive in Canada with my foreign driver\u2019s licence?<\/h4>\n\n\n\n<p>Usually, yes \u2014 but only for a limited time. Most provinces and territories allow newcomers to drive with a valid foreign driver\u2019s licence for a limited time before a Canadian driver\u2019s licence is required.<\/p>\n\n\n\n<p>After that grace period ends, you\u2019ll generally need a provincial or territorial driver\u2019s licence. An International Driving Permit (IDP) can be helpful if your foreign licence isn\u2019t in English or French, but it doesn\u2019t replace your official licence.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Is car insurance mandatory in Canada?<\/h4>\n\n\n\n<p>Yes. Car insurance is legally required in every province and territory. The minimum coverage requirements vary depending on where you live.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>What is the cheapest car insurance option for newcomers to Canada?<\/h4>\n\n\n\n<p>There\u2019s no single cheapest option because premiums are calculated based on many factors, such as your driving history, the vehicle you drive, where you live, and the coverage you choose.<\/p>\n\n\n\n<p>If you\u2019re looking to save money, consider comparing quotes from multiple insurers, asking about available discounts, and bundling your home and auto insurance, if possible.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Do I need car insurance before I can register my car?<\/h4>\n\n\n\n<p>In most cases, yes. Proof of auto insurance is generally required before you can register a vehicle and legally drive it.<\/p>\n\n\n\n<p>That exact process varies by province or territory. For example, Ontario requires proof of insurance before registration, while basic insurance is bundled with vehicle registration in British Columbia and Saskatchewan.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As a newcomer to Canada, finding somewhere to live in an important first step. Learn more about the types of coverage available and how to get home insurance as a newcomer.<\/p>\n","protected":false},"author":222,"featured_media":39110,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[49],"tags":[],"article-type":[80],"ppma_author":[209],"class_list":["post-39108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Guide to Car Insurance for Newcomers to Canada<\/title>\n<meta name=\"description\" content=\"Here\u2019s what newcomers to Canada need to know about how car insurance works, why insurance rates differ, and the 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