Car ins quotes online

Types of car insurance coverage
No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want for your car insurance:
Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
«Coverage against perils other than collision or upset», previously called Comprehensive, protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
All Perils protection combines both of the above coverages.
Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.
Car Insurance Coverage Based on Your Vehicle
Car insurance liability coverage is mandatory for driving in Canada. Beyond that, there are other options to consider for your ideal coverage.
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Drive worry-free, with additional auto insurance protection
If you have a good driving record, it’s only natural that you want to protect it. Do you also want to be able to count on a roadside assistance service in case of trouble along the way? Safeguard your good record and drive worry-free with My auto privilege®. This combination of two coverages adds up to peace of mind and confidence on the road.
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my Driving Discount®: an auto insurance program based on your driving habits
Some people have better driving habits than others. That’s why we have our my Driving Discount program that rewards good driving behaviour. Through this program, you could save up to 25%* off your car insurance premium.
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Uber Ridesharing
If you are an Uber driver in Quebec, Intact now provides a commercial insurance policy that covers you from the moment you make yourself available to accept an Uber ride request, to the moment the last passenger exits your vehicle.
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Turo Car Sharing
Is your car sitting idle in your driveway? Put it to work and earn extra income by listing it with Turo — an online marketplace that allows private car owners to rent out their vehicles. It’s simple, safe and you can choose who rents your car and when.
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Drive green and save!
Have you made the environmentally responsible choice to buy an electric vehicle or a rechargeable hybrid? Insure it with Intact Insurance and you can receive a 20% discount on your auto insurance premium!
On top of this “electrifying” discount, you can also receive a free* one-year membership in the Association des véhicules électriques du Québec (AVÉQ), an organization dedicated to promoting the advantages of “driving green” and to improving the province’s charging infrastructure. Your AVÉQ membership gives you access to exclusive offers, including discounts on electric car purchases or rentals and on the cost of buying your own charging station.
With Intact Insurance, it pays to plug in!
Certain conditions, limitations and exclusions apply. See the eligibility conditions for details of this offer.
* Purchase or renewal of the membership in AVÉQ is paid for by Intact Insurance. A $44 value.
About AVÉQ
Get the best value for your money with car insurance and home insurance bundles from Intact Insurance
Synchro Insurance is the perfect marriage between your home insurance and auto insurance. This winning combination gives you superior insurance coverage and up to 15% off your home insurance premium.
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Savings and payments on your car insurance
At Intact Insurance, we treat each person as an individual.
We work with local, brokers to offer insurance coverage and premium amounts unique to you. Speak with a broker to help navigate through the different car insurance coverage options to ensure your discounts are built right into the price you pay.
We offer a variety of convenient payment options to help make it easier to manage your payments.
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Car Insurance Claims
No one wants to be involved in an accident, but if you need to make a car insurance claim we’ll get you through the process as quickly and efficiently as possible.
Looking for the best rates on car insurance? You’ve come to the right place. At, we’ll help you compare the most competitive offers from Canada’s leading auto insurance companies. You’ll get the policy that suits you best while saving time and money.
Just fill out our insurance form and click ‘Compare’ to find your quotes. Auto insurance rates for the same driver with the same car can vary wildly between insurance companies, which is why comparing rates is the only way to get the best deal.
It’s time to get your cheap on. See the cheapest insurance rates available for a driver with your profile, record, location, and vehicle.
Not quite the blink of an eye, but close. We ask only six questions to get the ball rolling, and then you’ll get your car insurance quotes in under 3 minutes.
Our quoting service is absolutely, 100% free for our users, so comparing quotes won’t cost you a dime.
No rocket science here. Just fill in a few quick details about you and your vehicle and leave the rest to us.
At, top insurers compete for your business on an even playing field. They provide their best rates, and we compare them for you.
We cast a wide net. Our quoter brings you 20+ personalized car insurance quotes from all the top insurers in the area where you live.
We only ask for the details we need to find you the best quotes in your area. Your information will never be given to a third party.
What’s better than getting the best rates on car insurance in under 3 minutes, for free? Getting to save your time and money too.
How do I find the cheapest auto insurance rates?
Online quote comparison sites like make it simple – just fill out our auto insurance form with your driver details (postal code, driving experience, vehicle make and model, etc.), and then we’ll find and rank the cheapest auto insurance rates available to you.
Once you’ve selected your quote, you’ll be able to speak directly with an insurance broker who’ll help you lock in your rate with the insurance company and get set up with your new policy. Shopping for car insurance has never been quicker or easier.
Check out a recent rate from one of our users.
Car Type
Honda Civic
57-year-old woman
9:45 AM today
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What can I do to get cheap car insurance?
It’s easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:
Shop around
We’ll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.
Buy the right coverage
Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.
Drive responsibly
It’s true — your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.
Pay on time
Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.
Bundle up
Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.
Be safe, not sorry
Safety features like winter tires and alarm systems can help reduce your insurance premium.
Stick with one insurer
Most auto insurance companies give special discounts to customers who stay with them for a number of years.
Take a course
A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.
Keep driving
The math is clear: more experience on the road equals lower car insurance premiums.
Look at location
Where you drive affects your premiums. Some areas are associated with higher car accident and theft rates.
Choose the right car
Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.
Track your driving
With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.
Types of auto insurance coverage
Getting the best auto insurance policy isn’t just about the lowest price. It’s also about finding the right coverage, so you’ll be financially protected if you get into an accident.
Here are the categories of coverage available in Canada:
Liability insurance
This insurance is required by law throughout Canada. It covers the costs associated with damages caused to another person or vehicle in an accident, including medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. As a practical matter, you’ll want enough insurance to cover a judgment against you in a major accident so that your personal assets won’t be put at risk.
Emergency road service
ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you’re out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.
Comprehensive insurance
This type of auto insurance covers damages resulting from incidents that aren’t related to car accidents or collisions. Comprehensive coverage often includes hazards like extreme weather, vandalism, falling objects, fire, theft, and flooding.
Collision insurance
Collision insurance covers damage to your car in the event of a vehicle rollover or a collision with another vehicle or object. If your car is totalled, collision insurance will pay the cost of replacing it.
Uninsured motorist coverage
Covers costs related to your injury or death after an accident caused by another driver who’s either uninsured or unidentified, as in the case of a hit-and-run driver. Keep in mind that this coverage only pays for damage to your vehicle if the uninsured driver is also identified.
Direct compensation property damage
Available only in New Brunswick, Nova Scotia, Ontario, and Quebec, DCPD covers your car for losses and damages after an accident that you weren’t entirely responsible for. But the other driver has to be identified, insured, and found to be at least partially at fault.
All-perils insurance
Provides protection for you against all types of perils except those specifically excluded from your policy.
Accidents benefits coverage
Provides you with medical care and income replacement benefits if you’re injured in a car accident.
No-fault insurance
Deal with your own insurer regardless of who’s at fault in an accident. With no-fault insurance, you don’t have to pursue the other driver’s insurance provider to get compensation. Your insurer will pay for your benefits, so your medical bills get covered and you can get back on the road.
Specified perils
This type of auto insurance only covers the perils named in your policy, and it generally includes commonly occurring hazards such as fire, theft, hail, and windstorms. Specified perils is often purchased as a cheaper alternative to comprehensive insurance.
Is auto insurance different from province to province?
Yes, auto insurance systems, coverage, and rates vary greatly depending on where your vehicle is registered.
Some provinces, like Saskatchewan, Manitoba, and British Columbia, have government administered auto insurance programs. Quebec uses a hybrid system – the government provides personal injury coverage while property damage coverage is set by private insurers.
Alberta, Ontario, Nova Scotia, New Brunswick, Newfoundland, Prince Edward Island, and all the territories have private insurance markets where private insurers offer coverage.