{"id":42196,"date":"2026-10-08T11:29:07","date_gmt":"2026-10-08T15:29:07","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=42196"},"modified":"2026-10-08T11:29:09","modified_gmt":"2026-10-08T15:29:09","slug":"can-you-drive-without-insurance","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/can-you-drive-without-insurance","title":{"rendered":"Can You Drive Without Car Insurance?"},"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\">Can You Drive Without Car Insurance?<\/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=\"2026-05-26T14:50:34.486Z\">May 26, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">9 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\/lisa-jackson.png?quality=80&w=551\" alt=\"Lisa Jackson\">\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\">Lisa Jackson<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/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\/10\/Can-You-Drive-Without-Car-Insurance.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Black woman smiling and wearing seat belt while sitting with her daughter in car\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/10\/Can-You-Drive-Without-Car-Insurance.jpg 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/10\/Can-You-Drive-Without-Car-Insurance.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/10\/Can-You-Drive-Without-Car-Insurance.jpg?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=Can You Drive Without Car Insurance? &#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\/can-you-drive-without-insurance\" 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\/can-you-drive-without-insurance\" 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\">What happens if you drive without insurance?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-happens-if-you-drive-without-insurance\">What happens if you drive without insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-penalties-and-fines-for-driving-uninsured-by-province-and-territory\">Penalties and fines for driving uninsured by province and territory<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-common-situations-where-people-drive-uninsured\">Common situations where people drive uninsured<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-get-car-insurance-before-you-drive\">How to get car insurance before you drive<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-one-quick-drive-isn-t-worth-the-risk\">One quick drive isn\u2019t worth the risk<\/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 blog-article\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Maybe your insurance policy just expired. Maybe you\u2019re borrowing a friend\u2019s car for a quick errand. Or maybe you\u2019ve bought a new car and are itching to take it for a spin before sorting out the paperwork. Now you\u2019re wondering, can you drive without insurance in Canada?<\/p>\n\n\n\n<p>The short answer is no. It\u2019s against the law to drive a vehicle on public roads in Canada without the required <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-d861e44c\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"auto insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">auto insurance<\/a><\/a> in place.<\/p>\n\n\n\n<p>And driving uninsured isn\u2019t a risk worth taking. The consequences can be serious \u2014 both legally and financially \u2014 especially if you cause an accident and end up personally responsible for injuries or damage.<\/p>\n\n\n\n<p>Here\u2019s what to know about the rules, potential penalties, and exceptions \u2014 and how to make sure you\u2019re covered before you hit the road.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\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><strong>You can\u2019t legally drive without the required auto insurance in Canada<\/strong>. The exact coverage you need depends on your province or territory.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Driving uninsured can get expensive fast.<\/strong> You could face fines and other penalties, and you may be personally responsible for all associated costs if you cause an accident.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Borrowing a car doesn\u2019t necessarily mean you need your own policy<\/strong>. The vehicle generally needs to be insured, and you need permission to drive it. Rules can differ if you borrow it regularly.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>A lapse in coverage matters, even if it was accidental<\/strong>. If your policy expires or is cancelled, don\u2019t drive until you\u2019ve confirmed your coverage is back in place.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Mandatory insurance is just the starting point<\/strong>. Optional coverage, such as collision and comprehensive, can provide additional protection depending on your needs.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-if-you-drive-without-insurance\"><strong>What happens if you drive without insurance?<\/strong><\/h2>\n\n\n\n<p>It depends on what happened and where you live in Canada. You could face a hefty fine, have your licence or vehicle registration suspended, or have your vehicle impounded \u2014 meaning it\u2019s taken off the road and held until you\u2019re legally allowed to retrieve it. In repeat or more serious cases, there may be additional legal consequences, such as imprisonment.<\/p>\n\n\n\n<p>The financial risk can also be huge. If you cause an accident while driving uninsured, you could be personally responsible for paying for damage to other vehicles or property, liability and legal expenses, as well as costs related to injuries. Without insurance to help cover those expenses, the bill could fall on you. Depending on the rules where you live, being uninsured may also limit your ability to receive certain compensation after an accident.<\/p>\n\n\n\n<p>The consequences may follow you even after you\u2019re back on the road. A lapse in coverage or a conviction for driving uninsured could make it more difficult and more expensive to get auto insurance in the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-penalties-and-fines-for-driving-uninsured-by-province-and-territory\"><strong>Penalties and fines for driving uninsured by province and territory<\/strong><\/h2>\n\n\n\n<p>Penalties for driving without insurance vary by province or territory. So, if you&#8217;re wondering, &#8220;What is the penalty for driving without insurance in Ontario?&#8221; keep in mind that while Ontario has its own penalties, they can vary significantly across Canada.<\/p>\n\n\n\n<p>Each province and territory sets its own rules, and the consequences can include fines, licence or registration suspensions, vehicle impoundment, and other penalties. Repeat offences generally come with tougher consequences.<\/p>\n\n\n\n<p>Here\u2019s a snapshot of the possible consequences across the country. &nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\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 href=\"https:\/\/nslegislature.ca\/sites\/default\/files\/legc\/statutes\/motor%20vehicle.pdf\"><a href=\"https:\/\/nslegislature.ca\/sites\/default\/files\/legc\/statutes\/motor%20vehicle.pdf\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-db694253\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Ontario\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Ontario<\/a><\/a>: Fines up to $50,000 + applicable victim fine surcharge<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/version\/lc\/A-25?code=se%3A186&amp;historique=20260507\"><a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/version\/lc\/A-25?code=se%3A186&amp;historique=20260507&amp;langCont=en\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-9be507a9\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Quebec\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Quebec<\/a><\/a>: Fines up to $2,800<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.canlii.org\/en\/ab\/laws\/stat\/rsa-2000-c-t-6\/latest\/rsa-2000-c-t-6.html\"><a href=\"https:\/\/www.canlii.org\/en\/ab\/laws\/stat\/rsa-2000-c-t-6\/latest\/rsa-2000-c-t-6.html\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-05df0580\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Alberta\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Alberta<\/a><\/a>: Fines up to $20,000<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/nslegislature.ca\/sites\/default\/files\/legc\/statutes\/motor%20vehicle.pdf\"><a href=\"https:\/\/nslegislature.ca\/sites\/default\/files\/legc\/statutes\/motor%20vehicle.pdf\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-6020f6a2\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Atlantic Canada\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Atlantic Canada<\/a><\/a>: Fines up to $5,800+<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.justice.gov.nt.ca\/en\/files\/legislation\/motor-vehicles\/motor-vehicles.a.pdf\"><a href=\"https:\/\/www.justice.gov.nt.ca\/en\/files\/legislation\/motor-vehicles\/motor-vehicles.a.pdf\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-e6297481\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Territories\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Territories<\/a><\/a>: Fines up to $5,000<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Note that this information is accurate as of the publishing date, so treat this as a general run down only. Actual fines and other penalties can vary depending on the circumstances, including whether you\u2019ve been convicted of driving uninsured before.<\/p>\n\n\n\n<p>The takeaway? Driving without insurance can get expensive fast, and a monetary fine may only be the beginning. If you cause a crash while uninsured, you could be on the hook for bills that may otherwise be covered by insurance. Since coverage and requirements may vary widely, consider <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\"><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-933a3dd1\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"speaking with your licensed RBC Insurance advisor\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">speaking with your licensed RBC Insurance advisor<\/a><\/a> to ensure you don\u2019t have any gaps in coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-common-situations-where-people-drive-uninsured\"><strong>Common situations where people drive uninsured<\/strong><\/h2>\n\n\n\n<p>It\u2019s not always a case of someone deliberately deciding to drive without insurance. Here are some common scenarios where people may drive without auto insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-can-you-drive-if-your-auto-insurance-policy-lapses\"><strong>Can you drive if your auto insurance policy lapses?<\/strong><\/h3>\n\n\n\n<p>No, you cannot legally drive if your policy lapses. A missed payment or a renewal that slips through the cracks can leave you without valid coverage. And even if the lapse was accidental, you generally can\u2019t legally get behind the wheel until insurance is back in place.<strong><\/strong><\/p>\n\n\n\n<p>It\u2019s important to deal with this slip-up right away. Aside from leaving you unprotected if something happens, a break in your insurance history could also make coverage more expensive or harder to get in the future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-can-you-drive-someone-else-s-car-without-your-own-insurance\"><strong>Can you drive someone else&#8217;s car without your own insurance?<\/strong><\/h3>\n\n\n\n<p>Usually, no. You generally don\u2019t need your own auto insurance policy just to occasionally drive someone else\u2019s vehicle. Auto insurance typically follows the car \u2014 not the driver. If you borrow someone\u2019s car, you are also borrowing their insurance. The owner of policy (named insured) is financially responsible if a claim is made on their policy.<\/p>\n\n\n\n<p>But there are some ground rules. The vehicle needs to be insured, you need a valid licence, and you need the owner\u2019s permission to drive it. The owner\u2019s policy will generally provide coverage when someone <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/what-is-an-occasional-driver-insurance-canada\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-2c23cdaa\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"occasionally borrows the car,\" rel=\"noreferrer noopener\" class=\"rbc-link-format\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/what-is-an-occasional-driver-insurance-canada\/\">occasionally borrows the car<\/a>,<\/a> but exclusions and restrictions can apply.<\/p>\n\n\n\n<p>\u201cOccasionally\u201d is the key word here. There\u2019s a big difference between borrowing your parents\u2019 car for an afternoon and driving it several times a week to commute to school. If you regularly use the vehicle or live with the owner, you may need to be listed on their policy.<\/p>\n\n\n\n<p>And if renting cars is a regular thing, you can usually purchase insurance from the rental company.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-you-need-auto-insurance-to-test-drive-a-car\"><strong>Do you need auto insurance to test drive a car?<\/strong><\/h3>\n\n\n\n<p>If you\u2019re test-driving a car at a dealership, the vehicle is usually insured by the dealership. You\u2019ll also need to be legally allowed to drive, which is why you may be asked to show a valid driver\u2019s licence before taking it for a spin.<\/p>\n\n\n\n<p>There is one hitch: some dealerships may ask you to sign a waiver that makes you responsible for certain damage during the test drive. Read the fine print before you sign anything.<\/p>\n\n\n\n<p>What about a private sale? Generally, you don\u2019t need your own auto insurance policy just to take someone else\u2019s car for a test drive. Until you buy it, the car still belongs to the seller, and you are borrowing their insurance under their policy.<\/p>\n\n\n\n<p>That said, don\u2019t just take the seller\u2019s word for it. Their insurance may have lapsed, or they may not even be the registered owner. If something goes wrong on the test drive, you could be left in the lurch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-get-car-insurance-before-you-drive\"><strong>How to get car insurance before you drive<\/strong><\/h2>\n\n\n\n<p>Before you pull out of the driveway, get your auto insurance sorted first. Here are some tips to get going.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-1-gather-your-information\"><strong>Step 1: Gather your information<\/strong><\/h3>\n\n\n\n<p>You\u2019ll typically need some basic details about yourself and the vehicle, such as your driving and insurance history, plus the car\u2019s make, model, year, and vehicle identification number (VIN). Having everything at your fingertips can make the process faster.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-2-figure-out-what-coverage-you-need\"><strong>Step 2: Figure out what coverage you need<\/strong><\/h3>\n\n\n\n<p>There\u2019s <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/liability-and-other-mandatory-car-insurance\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/liability-and-other-mandatory-car-insurance\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-250d1dee\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"the insurance you must have\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">the insurance you <em>must <\/em>have<\/a><\/a>, and then there\u2019s the insurance you may <em>want<\/em> to have.<\/p>\n\n\n\n<p>Auto insurance requirements vary across Canada, but <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/what-is-third-party-liability-insurance-canada\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/what-is-third-party-liability-insurance-canada\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-6d17eeef\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"third-party liability insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">third-party liability insurance<\/a><\/a> is one of the core mandatory coverages. It helps protect you financially if you\u2019re responsible for injuring someone or damaging their property. Other coverage may also be required based on where you live.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-3-decide-whether-you-want-extra-protection\"><strong>Step 3: Decide whether you want extra protection<\/strong><\/h3>\n\n\n\n<p>Mandatory coverage is only the starting point. You can also choose <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/endorsements-riders\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/endorsements-riders\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-529569d4\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"optional coverage\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">optional coverage<\/a><\/a> for risks you\u2019d rather not pay for out of pocket. For example:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\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>Collision coverage <\/strong>can help with the cost of repairing or replacing your vehicle after a collision.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Comprehensive coverage <\/strong>can help protect against certain non-collision risks, such as theft, vandalism, and some types of weather damage.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>When it comes to getting <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/collision-comprehensive-insurance\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/collision-comprehensive-insurance\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-ed71da6b\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"collision and comprehensive coverage\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">collision and comprehensive coverage<\/a><\/a>, what makes sense will depend on your vehicle, budget, and how much risk you\u2019re comfortable taking on yourself.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-4-compare-the-options\"><strong>Step 4: Compare the options<\/strong><\/h3>\n\n\n\n<p>Don\u2019t just look at the price tag on the premium. Compare what you\u2019re actually getting for your money, including coverage limits and deductibles. Two policies with similar prices can offer very different protection.<\/p>\n\n\n\n<p>A licensed RBC Insurance advisor can provide a quote, explain your options, and help you choose coverage that fits your situation.<\/p>\n\n\n\n<p><strong>Read more:<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-18350321\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\" How to Save Money on Car Insurance in Canada\" rel=\"noreferrer noopener\" class=\"rbc-link-format\"> <\/a><\/strong><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-18350321\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\" How to Save Money on Car Insurance in Canada\" rel=\"noreferrer noopener\" class=\"rbc-link-format\"><strong>How to Save Money on Car Insurance in Canada<\/strong><\/a><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-one-quick-drive-isn-t-worth-the-risk\"><strong>One quick drive isn\u2019t worth the risk<\/strong><\/h2>\n\n\n\n<p>Driving without insurance may be tempting to shrug off, but having valid auto insurance is the law in Canada. It can also protect you from shouldering potentially catastrophic costs if something goes sideways. Before you turn start the car, make sure that the vehicle is insured and that you\u2019re covered to drive it.<\/p>\n\n\n\n<p id=\"h-what-is-atv-insurance\">Need help figuring out your coverage? Speak with a licensed RBC Insurance advisor to review your coverage options or use the\u00a0<a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A25&amp;Lang=ENool\"><a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A25&amp;Lang=ENool\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-42196-d395d354\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance online quote tool\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Insurance online quote tool<\/a><\/a>\u00a0to find the right fit for your needs.<\/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 section-ads 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<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-12729-2de7ba0a\" data-dig-category=\"LP\" 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. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/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>Learn whether it&#8217;s legal to drive without insurance in Canada, the penalties by province, and what to do if your coverage lapses or you borrow a car.<\/p>\n","protected":false},"author":222,"featured_media":42198,"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,"_ppma_block_editor_authors":""},"categories":[49],"tags":[28,20],"article-type":[80],"ppma_author":[188],"class_list":{"0":"post-42196","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-car-insurance","8":"tag-auto","9":"tag-car-insurance","10":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Can You Drive Without Car Insurance? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Learn whether it&#039;s legal to drive without insurance in Canada, the penalties by province, and 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