FAQ: Car Insurance Canada 2026
Which province has the cheapest car insurance in 2026?
Quebec has the cheapest car insurance at $857/year average in 2026. Saskatchewan is 2nd at $1,366/year with SGI’s public system. Ontario is most expensive at $2,258/year.
Why did Alberta car insurance go up 22.6% in 2026?
Alberta insurers paid 8% more in claims than premiums collected in 2024. Hail damage, auto theft, and parts inflation caused the 22.6% spike. The government capped 2027 increases at 5%.
Is car insurance more expensive in Saskatoon?
Yes. Drivers in Saskatoon ZIP codes S7K and S7H pay 11% more than the Saskatchewan average due to higher claim rates. Here are 11 legal ways to cut $410/year off your SGI premium.
How can newcomers save on car insurance in Canada?
Newcomers pay 40% more due to no Canadian driving history. Get a letter from your home country insurer, take an approved driving course, and bundle with tenant insurance to save up to $623/year.