By Roberto Gomes | Updated October 2026
Every Canadian guide on Prime Capital Report, organised by topic and province. Car insurance in Canada works differently in each province: British Columbia, Saskatchewan and Manitoba sell basic coverage through a public insurer, Quebec splits coverage between the SAAQ and private insurers, and the other provinces rely on private insurers. Each guide uses dated figures from regulators, public insurers or published rate tables; the headline figure below comes from that guide. Amounts are in Canadian dollars.
Car insurance by province
| Guide | What it covers | Headline figure |
|---|---|---|
| Car Insurance in Canada 2026: Average Rates by Province | Overview of car insurance in every province and how public and private systems differ. | Ontario average $2,218/year (FSRA, June 2026) |
| Average Car Insurance Cost by Province in Canada (2026 Data) | Latest official average premium for each province, with period and source. | Alberta $1,903 (2025, AIRB); PEI $1,018 (2024, GISA) |
| Car Insurance in Ontario 2026: Average Rates by City, Reforms and Ways to Save | Ontario rates by region and city, the July 2026 accident-benefit reform and ways to save. | GTA $2,868 vs rural $1,791 a year (FSRA) |
| ICBC Insurance in B.C. 2026: Basic Coverage, Optional Choices and Discounts | How ICBC Basic and optional coverage work in British Columbia, plus discounts. | Basic rates frozen until at least March 31, 2027 |
| Desjardins Car Insurance in Quebec 2026: Ajusto, Discounts and Real Costs | Desjardins in Quebec: Ajusto, discounts and the province’s public/private split. | Average Quebec premium $1,067 in 2025 (AMF/GAA) |
| SGI vs Private Insurance in Saskatchewan 2026: What You Can (and Can’t) Shop For | What SGI plate insurance covers and what you can shop for privately. | Plate deductible rises from $700 to $950 on Jan. 1, 2027 |
| Cheapest Car Insurance in Regina 2026: What Actually Lowers Your Bill | What actually lowers your car insurance bill in Regina. | Clean record cuts plate insurance by up to 25% |
| Car Insurance in Saskatoon 2026: SGI Rates, Local Risks and Coverage That Matters | SGI rates, local collision risks and coverage choices in Saskatoon. | 8,356 collisions in Saskatoon in 2024 (SGI) |
Car and home insurer reviews
| Guide | What it covers | Headline figure |
|---|---|---|
| Intact Insurance Review 2026: What Ontario Drivers Should Know | Canada’s largest P&C insurer: myDrive, broker sales and claims ratings. | About 22% of Canadian personal auto market |
| TD Insurance Review 2026: Car, Home, MyAdvantage and Group Discounts | TD’s companies, MyAdvantage app and group discounts. | MyAdvantage: up to 30% off or 30% more |
| RBC Insurance Review 2026: Car, Home, Life and What Aviva Has to Do With It | RBC’s home and auto (underwritten by Aviva) and its life products. | Aviva General: −1.64% average Ontario rate change (Sept. 2026) |
| Co-operators Insurance Review 2026: Car, Home, Discounts and Rate Filings | Canada’s insurance co-operative: coverage, discounts and rate filings. | 0.00% average Ontario rate change (Sept. 2026) |
| Economical Insurance Review 2026: Definity, Sonnet and What Drivers Get | Economical, Definity and Sonnet after the 2026 changes. | Sonnet sells car insurance in 5 provinces |
| PC Insurance Review 2026: Car, Home, PC Optimum Points and the EQB Takeover | PC Insurance after the EQB takeover, PC Optimum points and Aviva underwriting. | 20 PC Optimum points per dollar with a PC card |
Life, health, disability and critical illness insurance
| Guide | What it covers | Headline figure |
|---|---|---|
| Life Insurance in Canada 2026: Costs, Types and How to Buy | Costs, types and how to buy life insurance in Canada. | 20-year $500,000 term: $33–$44/month at 40 (RBC samples) |
| Term Life Insurance in Canada 2026: 10 vs 20 vs 30-Year Terms, Costs and How to Choose | 10 vs 20 vs 30-year terms: costs and how to choose. | 30-year-old man, $500,000: ~$21, $27, $42/month (PolicyMe) |
| Cheapest Life Insurance in Ontario 2026: Sample Rates and 9 Ways to Pay Less | Sample Ontario life rates and nine ways to pay less. | 8% Ontario RST on group coverage; individual exempt |
| Life Insurance vs Mortgage Insurance in Canada 2026: Which Protects Your Family Better? | Bank mortgage life insurance vs term life: which protects your family better. | 8% Ontario RST applies to bank mortgage life |
| Critical Illness Insurance in Canada 2026: Costs, Coverage and the Fine Print | How critical illness coverage works, what it costs and the fine print. | $100,000, 20-year: ~$27/month at 25 (PolicyMe) |
| Disability Insurance in Canada 2026: What Government Benefits Pay, What Private Coverage Costs | What EI, CPP and private disability coverage pay and cost. | EI sickness up to $729/week for 26 weeks (2026) |
| Health Insurance in Canada 2026: What Public Plans Cover, What They Don’t, and What Private Plans Cost | What public plans cover, what they don’t and what private plans cost. | PolicyMe basic plan: $78/month (SK) to $134 (ON) |
Comparing with the U.S.?
See our U.S. car insurance guides by state and city and how to compare car insurance quotes, which covers both countries.