Auto insurance by province
Canada's auto systems differ sharply — public vs private, no-fault vs tort, and minimum coverage by jurisdiction. Pick yours for the rules, regulator, and figures that apply, each sourced and dated.
Alberta
PrivatePrivate market, tort-based
OpenBritish Columbia
ICBCPublic (ICBC), Enhanced Care no-fault
OpenManitoba
MPIPublic (MPI), no-fault (PIPP)
OpenNew Brunswick
PrivatePrivate market, tort-based
OpenNewfoundland and Labrador
PrivatePrivate market, tort-based
OpenNova Scotia
PrivatePrivate market, tort-based
OpenNorthwest Territories
PrivatePrivate market, tort-based
OpenNunavut
PrivatePrivate market, tort-based
OpenOntario
PrivatePrivate market, hybrid (no-fault + limited right to sue)
OpenPrince Edward Island
PrivatePrivate market, tort-based
OpenQuebec
SAAQ (bodily injury) + private (property damage)Hybrid — public no-fault bodily injury (SAAQ) + private property damage
OpenSaskatchewan
SGIPublic (SGI), no-fault base
OpenYukon
PrivatePrivate market, tort-based
Open