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Best Car Insurance in Canada

By SCFinance Data Team · edited by SCFinance Editorial TeamUpdated Aug 15, 2026 Fact checkedEditorial integrity

Car insurance in Canada is regulated province by province, and in BC, Saskatchewan and Manitoba basic coverage comes from a public insurer.

Compare at a glance

ProviderRatingCoverage linesProvincesQuotes online

4.3/5

Best for Online quotes

3 types3 licensedYesRead review

4.4/5

Best for Coverage breadth

4 types6 licensedThrough a brokerRead review

Our picks

Showing 2 results

Our pick for: Online quotes

belairdirect

SCFinance score4.3

Coverage lines

3 types

Provinces

3 licensed

Quotes online

Yes

Details
Quotes
Online, instant
Provinces
ON, QC, AB
What you get
  • Online quotes in minutes
  • Automerit usage-based discount
Our take

One of the few carriers where you can get a real quote online in minutes without a broker call.

Read our full review

Our pick for: Coverage breadth

Intact Insurance

SCFinance score4.4

Coverage lines

4 types

Provinces

6 licensed

Quotes online

Through a broker

Details
Lines
Auto, home, tenant, business
Sold via
Brokers
What you get
  • Home, auto and business coverage
  • 24/7 claims service
Our take

The largest P&C insurer in Canada, with endorsements for almost any situation.

The downside: You'll generally need to go through a broker.

Read our full review

Frequently asked questions

Why is my quote so different between insurers?

Each carrier weighs your postal code, vehicle, driving record and claims history differently. That's why the same driver can see a spread of thousands of dollars a year, and why you should requote at every renewal.