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Auto insurance is mandatory in all provinces of Canada. By law, auto insurance is required before you register a car and drive it. Driving an uninsured car is a serious offence with penalties: heavy fines and/or licence suspension for repeat offenders.
Car insurance covers the driver (main users and additional drivers), occupants and potentially any pedestrians involved in a collision with the vehicle. These are the people that the law aims to protect by providing a way to claim for damages. Depending on your insurance policy, the actual physical damage to the vehicle may also be covered. Mandatory basic car insurance varies from province to province and includes accident benefits (except for Labrador and Newfoundland) and third-party liability coverage.
In the Canadian provinces of British Columbia, Saskatchewan, Manitoba, and Quebec, the government runs the auto insurance system and provides mandatory auto insurance plans through ICBC, SGI, MPI and SAAQ. Additional coverage can be obtained from private auto insurers.
For other provinces or territories, you could directly get an auto insurance quote from local/national auto insurance providers, or search for an insurer online. Here are some of the popular private auto insurance companies in the country:
 | The Co-operators Group Limited (Guelph, Ontario) is a leading Canadian multi-line insurance and financial services co-operative with over 70 years of history in the industry. Its subsidiaries offer property and casualty and life insurance as well as brokerage operations and institutional asset management. In recent years, it has been consistently ranked number one in customer satisfaction with its auto insurance in most regions and number one for the six consecutive years in Alberta. |
 | The Personal (Levis, Quebec) is a subsidiary of Desjardins General Insurance that specializes in home and car insurance, but also covers travel and pet insurance and identity theft assistance. Also top-ranked in customer satisfaction, the insurer offers multi-car insurance with special group insurance benefits such as customized coverage and use of innovative programs like Ajusto (a safe-driver reward system). Other tools like Alert and Radar are easily accessible via The Personal’s mobile app. |
 | Intact Insurance (Ontario) is the largest home, auto and business insurer with over four million consumers in Canada. It is a member company of Intact Financial Corporation, the largest provider of property and casualty insurance in the country. Consumers in the Atlantic region ranked Intact second overall in terms based on satisfaction with the quality of services. You may use its free my Driving Discount mobile app to get savings of up to 25 percent off your auto insurance premium for good driving behavior. |
 | SSQ Insurance (Sainte-Foy–Sillery–Cap-Rouge, Quebec), a mutual diversified financial institution, offers investment and insurance products including auto insurance. Also known as SSQ Assurance (French), it is one of the major insurance companies in Canada. One of the perks it offers is 20 percent discount on premiums for car insurance bundled with home insurance. |
 | Alberta Motor Association (Edmonton), a non-profit membership organization serving Alberta and the Northwest Territories. The organization provides its almost one million members (as of June 2018) a range of services: auto insurance, roadside assistance, auto touring and leisure travel services,member discounts. It is affiliated with the Canadian Automobile Association (CAA) and the American Automobile Association (AAA). |
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