Car Insurance Canada 2026: Cheapest Rates by Province + Save $1,102

Car insurance in Canada rose 18% in 2026.

Ontario drivers pay $2,258 per year with Aviva or Desjardins.

Alberta drivers pay $1,890 per year with Intact or TD Insurance.

But you can pay less.

This guide shows the cheapest rates by province.

Companies like Co-operators, Wawanesa, and Belairdirect let you get a quote online.

You can compare rates in minutes.

Also, you will see 11 legal discounts to save $1,102 per year.

Cheapest Provinces in 2026

First, here are the lowest costs:

• Quebec: $717 per year → Cheapest. Public system.
• PEI: $845 per year → Private but low crime.
• Nova Scotia: $891 per year → Low crashes.

Next, here are the highest costs:

• BC: $1,830 per year → ICBC is costly.
• Ontario: $1,780 per year → Private with fraud.
• Alberta: $1,550 per year → High claims.

Saskatchewan Rates 2026

Saskatchewan is in the middle.

The cost is $1,310 per year with SGI.

But, you can save $412 with discounts.

See Car Insurance Saskatoon 2026 for city rates.

Also, check Cheapest Car Insurance Regina 2026.

For SGI vs private, read SGI vs Private Insurance Saskatchewan 2026.

11 Legal Discounts Save $1,102

Most drivers miss these cuts:

1. Bundle Home + Auto: -$280
Buy both from one firm. So, you save 15%.

2. Good Driver: -$210
No claims for 6 years. Then, you save 25%.

3. Winter Tires: -$55
You use winter tires. So, you get 5% off.

4. Low KM: -$95
You drive under 8,000 km. Then, your rate drops.

5. Drive Class: -$75
You took a class. So, you get 10% off.

6. Car Alarm: -$42
Your car has an alarm. Then, you get 5% off.

7. Group Plan: -$120
Your work has a plan. So, you save 12%.

8. Retired: -$85
You are 65+. You drive less. Then, you get a cut.

9. Pay Yearly: -$60
You pay once. So, you save 5%.

10. EV Car: -$40
You drive electric. Then, you get 5% off.

11. Dash Cam: -$40
You use a dash cam. So, some firms cut 3%.

Ask about deductible options when you get a quote.

Total Savings

You can save $1,102 per year.

Most get 4 cuts. So, they save $485.

FAQ

Which province is cheapest?

Quebec. The cost is $717 per year.

Why is Ontario costly?

Fraud is high.

Also, claims cost more for full coverage and collision.

Is SGI good?

Yes. It is $175 cheaper than TD in Regina.

Read SGI vs Private Insurance Saskatchewan 2026.