Start with the right market

In B.C., ICBC supplies mandatory basic coverage; Manitoba uses MPI's Basic Autopac, and Saskatchewan has SGI basic coverage. Québec uses a public bodily injury plan with private property-damage insurance. Elsewhere, compare private insurers and licensed brokers for the coverage you need.

Examples, not rankings

Examples of private providers or broker-accessible insurers include TD Insurance, Desjardins, Co-operators, Intact, Aviva and belairdirect; availability and products differ by province. This site has no affiliation, referral compensation or ranking of them. Ask a local broker which carriers they represent, and compare written quotes using matching limits and deductibles.

Build your own shortlist

Start with the provider that supplies mandatory coverage in your province, if applicable. Then consider available private quote channels and one licensed broker. Compare eligibility, written limits, deductibles, annual total and service process. A familiar company name alone does not show that its policy is the best match for you.

Quick check

  • Identify your public insurer if applicable
  • Compare private quotes
  • Check local licensing
Primary sources

General educational content, reviewed September 28, 2026. Rules, availability and policy wording can change. Confirm current details with the linked authority or a licensed insurer or broker.