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February 16
Fast and easy good response
Fast and easy good response
Robert Burke
February 16
Great service
Great service
Waseem Akhter
February 15
Website is easy to use the…
Website is easy to use the representatives were so helpful, wasn't on hold long ...
February 15
very easily approach for info and clear…
very easily approach for info and clear to understand
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
February 14
The person i talked made it easy she…
The person i talked made it easy she was easy to talk to she quick and i feel i ...
Calvin Shelley
February 13
very good and easy
very good and easy
Noel Tavas
February 10
The agent was very pleasant
The agent was very pleasant and thorough. She reviewed the important informatio...
Bernard Wrobleski
February 10
Finally service
Knowledgable friendly considerate and concerned
Rick D
February 9
Very fast
Very fast, efficient and helpful. I would not hesitate to recommend this company...
Anna Paquette
February 9
Friendly approach and talk and showing…
Friendly approach and talk and showing kindness and help.
Abdul Lodin
February 7
The agents i dealt with were amazing
The agents i dealt with were amazing! Thank you to Juliana & Alicia
Concetta Mastrangelo
February 7
Very Kind and Patient
Very kind all the way through. Took time to explain every step and were patient ...
Hunter Hughes
February 2
Easy to use and quick follow up
Easy to use and quick follow up. Thanks .
Terry Collins
January 31
Very pleasant to deal with.
Very pleasant to deal with.
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
July 13
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin

How comparing comprehensive auto insurance quotes works.


Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.


When you find the best quote, secure your rate by talking to a licensed broker or agent.

Get the best rates on comprehensive auto insurance.

By law, Canadian drivers must purchase auto insurance to be on the road legally. Some insurance products, such as liability insurance, are mandatory, but there are several optional products drivers can choose to purchase on top of their mandatory coverage. Comprehensive car insurance is one such policy. can help you find the best rate if you decide to add comprehensive insurance to your policy.

What is comprehensive car insurance?

The name says it all: comprehensive car insurance coverage protects against a range of issues that could affect your vehicle — everything except collisions with other cars. Comprehensive auto insurance covers you against unexpected and accidental damage to your vehicle.

In most of Canada, comprehensive car insurance is optional, so you can't purchase it without buying a standard auto insurance policy first. can help you find the best rate if you add comprehensive insurance to your policy.

Is comprehensive auto insurance mandatory?

Comprehensive car insurance isn't mandatory but can be added to your policy if desired.

What does comprehensive car insurance cover?

Here are some of the most frequently asked questions drivers have about comprehensive car insurance:

The answer is yes. Comprehensive car insurance covers all these perils, even if you are at fault for causing them.

Comprehensive automobile insurance also protects you against several other perils:

What is not covered by comprehensive insurance?

Comprehensive car insurance doesn't cover damage from collisions. To have protection in this scenario, you must purchase collision insurance. In addition, comprehensive auto insurance also won't cover damage to another vehicle due to an accident, any medical expenses and lost income.

Comprehensive insurance vs. collision insurance vs. full coverage insurance

 ComprehensiveCollisionFull coverage
Is an optional coverageYesYesYes
Covers collisions with other vehiclesNoYesYes
Covers against theft and non-collision damageYesNoYes
Can be purchased without basic auto insuranceNoNoNo — but ‘full coverage’ sometimes refers to mandatory coverage plus optional coverage


Collision and comprehensive are both optional coverages (however, in Manitoba, both are included in a basic auto insurance policy).

Comprehensive car insurance compensates you if your car is damaged by most insurable perils, excluding a collision with another car. The type of perils that comprehensive car insurance covers include falling objects and environmental damage.

Collision insurance will provide coverage if your car collides with another car or an object, a guardrail, for example.

Comprehensive insurance is an add-on coverage that provides reimbursement to repair or replace a car that’s been damaged in a non-collision event (i.e., a felled tree, hail, theft, or vandalism).

Full coverage car insurance (or fully comprehensive car insurance) can refer to an auto insurance policy that includes mandatory coverages — accident benefits and third-party liability — and optional insurance like comprehensive and collision coverages.

Providers of comprehensive car insurance coverage across Canada

British Columbia: The Insurance Corporation of British Columbia (ICBC) provides all car insurance.

Alberta: Private market.

Saskatchewan: Saskatchewan Government Insurance (SGI) provides all auto insurance.

Manitoba: Manitoba Public Insurance (MPI) provides all auto insurance.

Ontario: Private market.

Newfoundland and Labrador: Private market.

New Brunswick: Private market.

Prince Edward Island: Private market.

Yukon: Private market.

Northwest Territories: Private market.

Nunavut: Private market.

Quebec: Semi-private market. You can purchase comprehensive insurance from private insurers.


How do comprehensive car insurance claims work in Canada?

First, it’s important to note that comprehensive insurance carries a deductible, meaning you’ll pay a certain amount before your insurance provider follows up with the benefit outlined in your policy.

For example, suppose your comprehensive policy has a $500 deductible attached to it. If a peril covered under comprehensive insurance causes $1,000 worth of damage to your car, you would pay $500, and your insurer would put $500 toward repairs.

Deductibles are meant to deter people from making small claims. You can reduce your overall insurance premium by offering to pay more than the minimum deductible required. Doing so saves the insurance company money and makes you appear like a more responsible driver.

All claims begin by reporting the accident to your insurance provider. Every provider has a hotline you can call to report a claim. Alternatively, many providers allow customers to start claims online through an app or website. The Financial Services Regulatory Authority of Ontario (FSRA) says that no matter who’s at fault, the parties involved should report the accident within seven days at most. Your insurance company may not have to honour your claim if you take too long to report the accident.

When you make your report, you should have the following:

Don’t worry if you don’t have all the information when you call. Your insurance agent, broker or company will guide you; starting the process is more important.

Front view of a car. Illustration.

See how our customers with collision coverage save big on auto insurance.

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Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

FAQs about comprehensive car insurance coverage in Canada.

How much does comprehensive car insurance cost?

You have to buy comprehensive insurance alongside a basic auto insurance policy. It can't be purchased separately. You may not see the cost of your comprehensive coverage separated on your monthly car insurance bill — it gets rolled into the total — but you can ask your insurance provider for an itemized bill breakdown.

The cost of comprehensive car insurance is influenced by your car's make, model, trim, and the size of your deductible (the amount you need to pay before the insurance company pays your benefit). One thing's for sure: comprehensive car insurance will increase your insurance costs. But without knowing any details about the car that needs insurance, it's hard to estimate the final price.

When you apply for a quote on our site, you can indicate whether or not you'd like to add comprehensive coverage to your policy. If you're insuring a current-year model, comprehensive coverage is automatically selected. That way, you can compare the price of basic insurance plus a comprehensive endorsement from multiple Canadian car insurance companies. Shopping the market can help you find cheap insurance that includes comprehensive coverage.

Compared to basic car insurance, a comprehensive policy will be more expensive. Still, you'll also get more from it because you'll be protected against the most insurable perils.

You can reduce your costs by increasing your deductible on your comprehensive policy.

Does comprehensive auto insurance cover rodent damage?

Most comprehensive car insurance will cover damage caused by rodents. Parked cars are at risk for infestations of rats, mice, or squirrels looking to nest. Once in your vehicle, they can wreak havoc by chewing through wires, insulation and upholstery and leaving droppings.

You can prevent an infestation by keeping your car clean and moisture-free and never leaving your windows and doors open when you intend to park your car for a while.

Is comprehensive car insurance worth it?

There are lots to consider before buying comprehensive coverage. For example, suppose you live in an area with a high frequency of natural disasters. In that case, consider adding it to your auto insurance policy. However, the general recommendation is to purchase comprehensive insurance if you can't afford to replace your car if it gets damaged or declared a total loss.

Does a comprehensive claim raise your car insurance rate?

No. If you make a claim against comprehensive car insurance coverage, your car insurance rate won't increase. However, your insurance company likely has a limit on the number of comprehensive claims you can make a year.

Do the rates for comprehensive vehicle insurance differ by province?

Auto insurance rates vary by province. Ones with private auto insurance systems may have more market competition, but that doesn't always translate into lower rates for comprehensive coverage. The other factors that affect your premiums include:

Location. Areas with a higher degree of natural disasters may have higher premiums. Think windstorms or gale-force winds on the east coast due to hurricanes or areas prone to flooding.

The number of claims in your area. If your neighbourhood has a lot of claims activity, your premium will likely be surcharged for it.

Insurance fraud. If your neighbours make many fraudulent insurance claims, you will likely pay more for insurance even if you personally stay on the right side of the law.

Who are the best providers of comprehensive insurance?

Car insurance companies don't sell comprehensive coverage separately from basic auto insurance policies (third-party liability and accident benefits). So, selecting an insurance company based solely on its comprehensive insurance rate is impossible.

The best car insurance company will offer comprehensive and mandatory coverages in the amounts you need and at a rate you can afford.

Who provides the cheapest car insurance in Canada?

Insurance companies won't typically offer flat-rate insurance. The insurance industry invests millions in predicting future risks, and the customers who pose more of it end up paying higher insurance premiums than ones deemed low-risk to insure. Insurance companies define high-risk customers as those likely to file multiple expensive claims against their auto insurance policy or with a track record of missing payments.

The best way to determine which insurance company provides your cheapest car insurance rate is to compare quotes from multiple companies. With, you can compare 50+ companies in three minutes or less.

Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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