What is Canadian public car insurance?

Public car insurance provides the minimum coverage requirements for Canadian drivers. Public car insurance is administered through a government organization and only available in Canada.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Jun 4, 2020

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Here's what you need to know...

  • Public car insurance is available in Canada, but it is not available in the United States
  • Public car insurance provides mandatory car insurance to Canadian residents
  • Public car insurance is sold and administered by a government-owned corporation

In the United States, the government’s involvement in car insurance is still present but to a much lesser extent.

The U.S. government makes rules that private insurers must abide by in order to ensure fair treatment of the consumer and sets guidelines that require car owners and drivers to carry certain types and amounts of car insurance.

State departments of insurance oversee car insurance in their respective states. Enter your zip code to get free online car insurance quotes now!

Safety for the Public is Car Insurance’s Main Goal

Car insurance is required throughout the nation in order to protect those who share the road.

Each state has mandatory coverage, typically liability coverage that protects the other party in the case of an at-fault accident.

In some states, personal injury protection or medical payments coverage, is also mandatory and provides for medical expenses of anyone hurt in a car accident regardless of fault.

No state requires personal property coverage to be carried.

This type of additional coverage will provide for the repair or replacement of your vehicle if you are involved in an at-fault accident or suffer a loss for some other reason that is out of your control.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Getting Savings on Car Insurance Rates

Public car insurance is notoriously less expensive than private car insurance. Almost every driver wants to save money on his or her car insurance.

Using a variety of long-term and short-term tactics, you can make a significant difference in the amount you need to pay for car insurance.

Here are some tips:

  • Before you buy a car, investigate how much it costs to insure it.
  • Safeguard your good driving record or clean up your driving record.
  • Limit the number of miles you drive annually in order to keep the cost of car insurance down.
  • If you have good credit you will get much better car insurance quotes than if you have bad credit.
  • Carry only the coverage that you absolutely need.
  • If your vehicle is older and is not financed, you may want to drop collision and comprehensive coverage.
  • Insurers offer discounts for a variety of reasons, and you should make sure you know about all the discounts you are eligible for.

Shop around and compare the different policies out there. Insurers each have different guidelines and the prices you are quoted can vary greatly from one company to another.

Get Quotes on Car Insurance Deals Now

In order to get the quotes, you need to compare in order to be sure you are getting the best deal possible, use an online quote tool.

Quote tools collect your information and submit it to insurers serving your area. Before you know it, a variety of car insurance quotes are waiting for you.

Enter your zip code now to find car insurance quotes and deals that rival public car insurance rates!


  1. https://www.naic.org/state_web_map.htm
  2. https://www.nationwide.com/personal-injury-protection.jsp
  3. https://www.ibc.ca/nu/insurance-101/public-versus-private-auto-insurance
  4. https://www.investopedia.com/articles/pf/08/car-insurance-costs.asp
  5. https://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm

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