Does Your Car Insurance Work in Canada? – Policygenius (2024)

FAQs

Does Your Car Insurance Work in Canada? – Policygenius? ›

If you are driving to Canada, whether in your own vehicle or a rental car, your car insurance policy will usually protect you with the same coverages and limits you have when you're stateside. We don't sell your information to third parties.

An American car insurance policy works the same way in Canada as it does in the U.S. Your comprehensive car insurance coverage and auto collision coverage, for example, still apply to damage to your vehicle if you're in an accident while driving in Canada.

Most U.S. auto insurers won't cover you while driving abroad, except for driving in Canada and driving in Mexico. Unless you have a credit card offering rental car insurance, you'll probably need to purchase your insurance from the rental company. Learn more about international car insurance and rental car insurance.

Your auto policy meets or exceeds requirements for your vehicle to be driven in Canada and covers you for bodily injury and property damage liability. A copy of your current auto insurance ID card or declarations page is enough proof of insurance. You should always keep these documents in your vehicle.

While your U.S. coverage may be sufficient for driving in Canada, the U.S. State Department cautions that it might fall short. The State Department says you usually can buy additional coverage in the U.S. or Canada.

Car insurance for visitors to Canada

Your U.S. policy automatically covers you in Canada, whether you're driving a rental car or your own car. Your policy covers you for as long as you're driving there, and there's no need to notify your insurance company. Learn more about driving in Canada.

It also means making sure your vehicle is in good condition and ensuring you have adequate insurance coverage. The good news is your car insurance policy covers you in other provinces and the U.S. But there's a caveat: your policy might not be enough to cover costs that arise if you injure someone in the states.

Allstate Corporation owns and operates over 19 companies around the United States, United Kingdom, Canada and India.

Legally in Italy, you are required to be covered by car insurance that is at least to a level of third-party liability. You don't need an Italian driver's license to be insured in Italy. As long as you are covered by a valid driving license, we can offer you Italian car insurance.

You may find imported car insurance is more expensive when it comes to comprehensive car insurance coverage or auto collision coverage because replacement parts can cost more. This can lead insurance companies to increase premium rates to cover that extra cost. But this mainly applies to specialized cars.

Why is Canada's auto insurance so high? ›

Canadians could see even higher auto insurance premiums this year amid a growing crisis of car thefts in the country and other industry challenges, according to a new report. In its auto insurance outlook for 2024 released on Jan. 26, Ratesdotca is anticipating another jump in premiums across the country this year.

You can bring your vehicle into Canada temporarily as a visitor or temporary resident. Your vehicle doesn't have to meet Canadian standards and must be only for your own use. You can also bring your vehicle for personal use while you're in Canada on a work permit or student visa.

Bring Your AAA Card. Did you know your American Automobile Association (AAA) membership is honored in Canada? Through reciprocal arrangements with the Canadian Automobile Association (CAA), AAA members can use benefits like roadside assistance and while in Canada.

Because an insurance policy follows the car and not the driver, you'll need insurance on your car to legally drive it in Canada.

Canada requires liability insurance, which pays for damage to another person's property, injuries and medical expenses. Some Canadian provinces also require drivers to have accident benefits, which pay for the driver's own medical costs or loss of income from an accident.

The law is clear. Every Canadian vehicle owner must have auto insurance in order to operate your vehicle. It is compulsory in all territories and provinces. If you are caught driving without insurance, your license can be suspended, your vehicle can be confiscated, and you will face a hefty fine.

Canadian law requires U.S. citizens driving into Canada to provide proper proof of motor vehicle insurance. The good news is that both your IMT Insurance Policy includes Canada as part of your coverage territory.

You can bring your vehicle into Canada temporarily as a visitor or temporary resident. Your vehicle doesn't have to meet Canadian standards and must be only for your own use. You can also bring your vehicle for personal use while you're in Canada on a work permit or student visa.

Does AAA work in other countries? Roadside services are available to AAA Members in Canada and many other parts of the world. Visit the website of the AAA-affiliated organization in the country you're planning to visit for information about coverage and benefits.