Private market, tort-based
Auto insurance in Prince Edward Island
What's required, what's optional, and how claims work — with every figure sourced and dated.
The system
Prince Edward Island runs a private-market, tort-based system. Third-party liability and accident benefits are mandatory under the PEI Insurance Act.
What's mandatory
The statutory minimum third-party liability in Prince Edward Island is $200,000. Mandatory third-party liability and accident benefits per PEI Insurance Act.
What's optional (and worth understanding)
Collision, comprehensive, higher liability, and increased accident benefits are optional.
How claims and disputes work
Escalate from your insurer's internal complaints office to GIO, then to the PEI Office of the Superintendent of Insurance.
Out-of-country health
PEI health plan pays limited out-of-country emergency care. Travel medical recommended. See the Travel & Snowbird tool to size the gap.
Prince Edward Island at a glance — sourced facts
Figures verified July 2026 against the sources shown. Auto rules change — confirm current requirements with your regulator or broker before relying on them. Education, not advice; no coverage is sold here.