Car Insurance Canada 2026: Complete Provincial Guide
Last Updated: September 21, 2026 | Written by Insurance Expert | Reviewed by Licensed Canadian Broker
Car insurance in Canada increased 18% in 2026 compared to 2024. Drivers in Ontario now pay an average of $2,258 per year. Alberta saw the steepest jump at 22.6%.
The good news? You can save up to $1,102 per year using legal provincial discounts. This guide breaks down the cheapest rates by province and shows you exactly how to cut your premium.
Want to compare Saskatchewan with other provinces? See the complete Canada 2026 car insurance guide with rates for Ontario, Alberta, BC and Quebec.