Canada has 2 auto insurance systems. QC pays $717. ON pays $1,634.
4 provinces (BC, SK, MB, QC) have government insurance — you can't shop around but rates are typically lower. The other 9 jurisdictions are private markets where shopping saves you 20-30%. Here's the map and the math.
★ THE PROVINCIAL MAP ★
Public · Private · Hybrid
PUBLIC (Crown corp · no shopping)
PRIVATE (shop and save)
HYBRID (QC split system)
BCPUBLIC
British Columbia
ICBC
Avg annual$1,832
ABPRIVATE
Alberta
Multi
Avg annual$1,500
SKPUBLIC
Saskatchewan
SGI
Avg annual$1,235
MBPUBLIC
Manitoba
MPI
Avg annual$1,100
ONPRIVATE
Ontario
Multi
Avg annual$1,634
QCHYBRID
Quebec
SAAQ + private
Avg annual$717
NBPRIVATE
New Brunswick
Multi
Avg annual$924
NSPRIVATE
Nova Scotia
Multi
Avg annual$891
PEPRIVATE
PEI
Multi
Avg annual$875
NLPRIVATE
Newfoundland
Multi
Avg annual$1,132
★ CHART · CHEAPEST TO PRICIEST ★
Same coverage, ranked
#1
QC · QuebecHYBRID
$717
#2
PE · PEIPRIVATE
$875
#3
NS · Nova ScotiaPRIVATE
$891
#4
NB · New BrunswickPRIVATE
$924
#5
MB · ManitobaPUBLIC
$1,100
#6
NL · NewfoundlandPRIVATE
$1,132
#7
SK · SaskatchewanPUBLIC
$1,235
#8
AB · AlbertaPRIVATE
$1,500
#9
ON · OntarioPRIVATE
$1,634
#10
BC · British ColumbiaPUBLIC
$1,832
★ YOUR ESTIMATE ★
Premium calculator
Province
ESTIMATED ANNUAL PREMIUM$2,352
MONTHLY$196
BASE PROVINCIAL AVG$1,634
YOUR ADJUSTMENT44%
★ WHAT MOVES YOUR PREMIUM ★
Beyond the province
+85%One at-fault accident
3-6 year impact. Switching insurers may avoid the hit on year 4+.
+65%Driver under 25
Highest-risk group. Telematics ("usage-based") apps can cut 20-30%.
+45%One speeding ticket (major)
15-50 km/h over. Stays 3 years for insurance purposes.
+22%New / luxury vehicle
Repair costs + theft risk. Get insurance quote BEFORE buying.
+18%City vs rural driving
Higher claim frequency in urban areas. Postal code matters a lot.
−15%Bundle home + auto
Most private insurers offer multi-line discount. Easy win.
−20%Winter tires (mandatory: QC)
Required by law in QC. Optional but discount-worthy in other provinces.
−30%Telematics / usage-based
Onlia, CAA MyPace, Aviva Journey: prove safe driving via app.