Does U.S. Car Insurance Cover You in Canada? - Experian (2024)

Driving into our neighbor to the north can be a treat. On your journey to Canada, you might come across majestic mountains, clear blue lakes or towering spruce trees.

Your U.S. car insurance typically does cover you in Canada, but you may want to think about buying extra coverage in case your journey along the Trans-Canada Highway takes a turn for the worse. Here's how to make sure you've got the proper car insurance coverage before you begin your travels.

Does My U.S. Car Insurance Policy Cover Canada?

Agreements between the U.S. and Canadian governments mean that whether you're behind the wheel of your vehicle or a rental car, most policies from major U.S. car insurance companies offer the same coverage you enjoy back home.

In addition to a valid passport or other government-approved travel document, you'll need to carry a valid U.S. driver's license, vehicle registration and proof of car insurance in order to drive legally in Canada.

Canada asks for this proof of insurance in the form of a Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card, which you typically must obtain from your insurer in the U.S. If you don't have this card (known as a Yellow Card), you could be fined or have your vehicle impounded.

It's also recommended that you pack a copy of your U.S. auto insurance policy for your trip to Canada as well as your U.S. auto insurance ID card. The policy or ID card might be an acceptable alternative to the Yellow Card.

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. To make sure you're adhering to Canadian laws, make sure your auto insurance policy complies with their requirements.

You also might consider purchasing general travel insurance, which may cover costs associated with trip-related mishaps. Some car insurance policies do include travel coverage, though.

Canada's setup differs from the car insurance rules for driving in Mexico. Coverage from most U.S. car insurance policies does not extend to our neighbor to the south. Therefore, you'll probably need to purchase temporary car insurance tailored to driving in Mexico.

Coverage for Rental Cars in Canada

Typically, your U.S. coverage will apply to a rental car driven in Canada, regardless of whether you picked it up in the U.S. or Canada. In fact, a rental car agency in the U.S. might even be able to provide the Yellow Card insurance ID Canadian authorities require. If you rent the car in Canada, you may be able to purchase coverage to supplement your U.S. policy; this extra protection might pay to fix vehicle damage or pay for injury-related medical expenses, for instance.

You might also be covered if you rent a car with a credit card that offers rental insurance.

Will My U.S. Car Insurance Always Work in Canada?

If you're a U.S. tourist in Canada, your U.S. auto insurance should remain in effect during your stay. However, if you're a U.S citizen and stay in Canada longer than six months without securing a visitor's visa, your U.S. policy will no longer be valid.

If you're permanently moving to Canada from the U.S., you won't be able to keep using your U.S. car insurance. Instead, you'll need to buy coverage from a Canadian insurer. Canada requires all motorists to carry car insurance. Generally, that coverage costs more than U.S. car insurance.

Does U.S. Car Insurance Cover You in Canada? - Experian (2024)

FAQs

Does U.S. Car Insurance Cover You in Canada? - Experian? ›

Your U.S. car insurance typically does cover you in Canada, but you may want to think about buying extra coverage in case your journey along the Trans-Canada Highway takes a turn for the worse. Here's how to make sure you've got the proper car insurance coverage before you begin your travels.

Can I use my US auto insurance in Canada? ›

Due to reciprocal laws between the U.S. and Canada, your car insurance will most likely still apply while driving in Canada. This may depend on your provider, but many of the major car insurance providers will qualify for Canadian coverage, unless they specifically offer international car insurance policies for Canada.

Does American auto insurance cover 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.

Does Experian work for car insurance? ›

Experian Insurance Services® acts as your online insurance broker and agent. We don't replace the insurance company, we just help you shop and switch to a policy that's best for you—for free!

Does my US car insurance cover me in another country? ›

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.

Can I drive to Canada with my car insurance? ›

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.

How long can I drive in Canada with US insurance? ›

You'll need proof of insurance, a valid driver's license, and a passport (or an approved alternate proof of citizenship) to drive across the border. U.S citizens driving in Canada are generally allowed to drive for up to six months with American car insurance.

Does AAA cover me in Canada? ›

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.

Does AAA cover US in Canada? ›

Does AAA work in other countries? Roadside services are available to AAA Members in Canada and many other parts of the world.

Do you need car insurance to drive in Canada? ›

It is illegal to drive without car insurance in Canada. If you own a car, you must get insurance coverage. If you regularly drive a car that belongs to a relative or friend, you should make sure you're listed on their car insurance plan.

How does Experian insurance work? ›

Experian Insurance Services doesn't replace the insurance company, it just helps you shop. The Experian Insurance Services product is a free tool that helps you compare auto, home, and renters insurance rates across top providers and finds you the best rate for your exact coverage.

Do car dealerships use Experian or Equifax? ›

What credit score do auto lenders look at? The three major credit bureaus are Experian, TransUnion and Equifax. The two big credit scoring models used by auto lenders are FICO® Auto Score and Vantage.

Do auto lenders use Experian or Equifax? ›

Auto lenders use a special reporting system called FICO® Auto Score when determining the creditworthiness of a potential customer. The three credit reporting bureaus that contribute information to your FICO® Auto Score are TransUnion®, Equifax® and Experian™.

Is Geico insurance valid in Canada? ›

If you are thinking of driving your car to Canada, rest assured that your GEICO insurance will still cover you. While we do not offer insurance to residents of Canada, GEICO's coverage in the United States does extend north of the border.

Is Progressive Insurance in Canada? ›

Progressive Insurance isn't available in Canada.

Does Geico car insurance cover international? ›

Overseas insurance is insurance for your car, motorcycle, and personal property that's available while you are living outside of the United States. GEICO has provided overseas insurance through its affiliate, GEICO Financial Services GmbH since 1960.

Do I need travel insurance from U.S. to Canada? ›

There are no requirements for U.S. citizens to have travel insurance coverage as a condition of entry to Canada. However, most Canadian hospitals do not accept U.S. health insurance or Medicare.

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