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Canada's best car insurance.
Types of coverage we provide
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Windows are included in comprehensive* however; you have the option to remove this coverage to lower your premium. (*Not Included in Alberta.)
You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.
Understanding car insurance rates in Canada
Buckle up — car insurance premiums are on the rise, and 2025 is no exception. Rates have jumped by 13.2% across Canada in the past year, according to Applied Systems, with many drivers feeling the pinch.
What’s causing the spike? It’s a mix of factors: modern vehicles with more technology in them that are expensive to repair, more frequent and costly claims due to increasing traffic around the country, inflation, rising theft (especially high-end SUVs), and extreme weather. It’s a perfect storm that’s driving premiums higher.
Back in 1990, insurers covered $6 billion in vehicle damage annually. By 2022, that number had soared to $16 billion — a clear sign of growing costs in the industry.
Location also plays a big role, too; the average premiums in 2025 ranged from $1,112 in Quebec to $2,443 in Alberta, with Saskatchewan and Ontario falling in between. Where you live can make a big difference in what you pay.
If your premium feels too high, don’t worry — you have options. A trusted insurance advisor like Surex can help you compare policies, find savings, and get the coverage you need.
Car insurance in Canada – FAQs
In Canada, there are three main types of car insurance coverage:
1. Collision car insurance:
If you collide with another vehicle or stationary object, you'll receive financial compensation to cover the cost of the vehicle repair.
2. Comprehensive car insurance:
You never know what’s waiting around the next turn or bend in the road. Comprehensive car insurance provides peace of mind for those moments. Comprehensive car insurance covers incidents such as:
- Hitting an animal
- Fire or smoke damage
- Theft and vandalism
- Flood damage
3. Liability:
Liability car insurance is required, by law, for all drivers in Canada. Liability insurance protects others from damages you cause while driving a vehicle. This covers a variety of losses including property damage, bodily injury and death. The price is based on your personal driving habits, so all of the vehicles you drive will have the same liability insurance rate. This is the cheapest auto insurance available in Canada, which means it has the lowest coverage.
Contact the Surex team to get your personalized offer today.
An insurance premium is the amount you pay regularly (monthly, annually, or by term) to keep your auto insurance policy active.
An insurance deductible is what you pay out of pocket if you make a claim. Your insurer covers the rest, up to your policy limit.
In general, choosing a higher deductible means you’ll pay a lower premium, but be sure you can afford the deductible amount if you ever need to file a claim. If you can’t pay your deductible, your insurer won’t cover the claim.
A licensed insurance advisor is a regulated professional who helps you find the best coverage by comparing policies from multiple insurance providers.
At Surex, you’ll work with the same advisor from start to finish — someone who’s focused on your needs, not tied to one provider. They’ll help you navigate claims, policy changes, and make sure you're always getting competitive rates.
Start your quote today with a trusted Surex advisor.
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