Does my car insurance cover me in Canada?

I am planning a trip to Toronto. I'll be driving my car and am currently insured. Will my car insurance cover me in Canada?

Answer
“Your U.S. car insurance typically will cover you in Canada. Since you will be visiting, your insurance should apply the same as if you were in the U.S.
The only requirement from the Canadian government is that you carry a copy of your insurance declaration page and ID card in your vehicle at all times. You may also want to call your insurer to request a Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card to give to customs and border agents. This will simply make the process easier and doesn’t cost anything.
As a failsafe, call your car insurance carrier to confirm you’re covered in Canada. While it’s rare that your coverage wouldn’t apply, it’s better to check in with them before your trip. Should you need to make any changes to your policy, you’ll need to be in the U.S. when you make them.
If your car insurance doesn’t cover trips to Canada, you may want to take the time to shop car insurance quotes, especially if you travel there frequently. Use the Jerry app to compare quotes from over 50 of the top insurers in the industry.”
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Emily Maracle
Answered on Aug 16, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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