Driving in Canada With U.S. Insurance (2024)

If you are traveling to Canada by car, whether in your vehicle or a rental car, your U.S. insurance will usually protect you with the same coverages and limits that you have at home. Car insurance in Canada for visitors from the U.S. is governed by reciprocal laws between the two countries. Most major insurance companies will cover you if you need to make a claim during your trip north of the border.

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Do I need a passport to drive to Canada?

If you're crossing the Canadian border by car, Canadian law requires that you show proof of citizenship and identity. For U.S. citizens, a valid passport book, a passport card, or a NEXUS card are sufficient to satisfy the requirement. Children under the age of 16 should have proof of identity and citizenship, like an original birth certificate or citizenship card.

The Canadian border patrol may also ask for proof of insurance if you're driving in Canada. Your auto insurance card should be sufficient, but you can also request a non-resident inter-province insurance card from your insurance company. It's also a good idea to have your auto insurance policy with you in case you get pulled over or get into an accident during your visit.

Make sure you have a valid vehicle registration before driving in Canada. Sometimes border agents will ask for your registration to make sure you aren't driving a stolen vehicle.

Pro tip:

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.

Renting a car in Canada

If you're traveling to Canada and plan on renting a car when you get there, contact your insurance company about whether they'll extend coverage to your rental. If your insurer covers rental cars in the U.S., they may also extend coverage to cars you rent while in Canada. Otherwise, you may need to buy rental car insurance from the rental agency.

What about driving a car in other countries?

Keep in mind that the reciprocal laws are only an agreement between Canada and the U.S. If you're traveling to other countries, your insurance may not automatically cover you. Check with your insurance company if you're traveling internationally and plan on driving to learn how international car insurance works.

Looking for more information about auto insurance? Our car insurance resource center has you covered.

Driving in Canada With U.S. Insurance (2)

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Driving in Canada With U.S. Insurance (2024)


Can you drive in Canada with US insurance? ›

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.

Does my AAA insurance cover me in Canada? ›

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.

Do you need proof of car insurance to go to Canada? ›

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.

What car insurance is required in Canada? ›

The minimum requirement for mandatory auto insurance in Ontario is $200,000 in Third Party Liability, Direct Compensation – Property Damage, Accident Benefits, and Uninsured Automobile coverage.

How long can I drive in Canada with U.S. insurance? ›

Laws vary by province, but U.S citizens driving in Canada are generally allowed to drive for up to six months with American car insurance. You should research local laws before traveling if you know you are going to be in one province for more than a few weeks or in Canada for longer than six months.

Does my U.S. health insurance work in Canada? ›

Canada provides world-class hospitals and top-ranked health care in the event of a medical emergency. However, U.S. government health insurance plans do not pay for hospital costs, medical expenses or prescription drugs for visitors to Canada.

Does my State Farm auto insurance cover me in Canada? ›

Because of reciprocal laws between the two countries, Canada honors your U.S. insurance, and vice versa, in the event of an accident or claim and to meet insurance requirements.

What is AAA called in Canada? ›

Alberta Motor Association (AMA)

It is headquartered in Edmonton and is affiliated with the Canadian Automobile Association (CAA) and the American Automobile Association (AAA) and has more than 980,000 members as of November 2021.

Is Progressive Insurance in Canada? ›

Progressive Insurance isn't available in Canada. Find the cheapest car insurance quote from leading Canadian car insurance providers instead. We do not operate in your province.

Do I need international car insurance to drive in 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.

Can I drive in Canada with a US license? ›

Can you drive in Canada with a US license? US licenses are valid in Canada. When operating a car in Canada, you'll need to have your license, auto insurance, and registration in the vehicle at all times.

Do I need insurance when travelling to Canada? ›

You don't have to have travel insurance when visiting Canada, unless you are applying for a super visa. But health care is expensive in Canada if you don't have coverage.

Do you insure the car or the driver 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.

What happens if you don't have car insurance in Canada? ›

Police will likely charge you with driving without car insurance. You could face a hefty fine, license suspension, vehicle impoundment and even jail time, depending on your province. Once you buy car insurance, you will probably pay much higher rates for coverage.

Does Canada check for car insurance? ›

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.

Can I legally drive in Canada with a US license? ›

You need a valid driver's license and proof of auto insurance to drive a car in Canada. A driver's license and insurance from the United States are also valid in Canada for a short while (up to 90 days in some provinces).

Do I need health insurance to travel to Canada from USA? ›

Any visitor traveling to Canada should purchase visitors health insurance. Most domestic policies will only cover you in your home country and have little to no coverage once you are traveling abroad.

Do I need travel insurance for Canada from USA? ›

Are you planning a Canadian vacation or business trip? Like many of our customers, you may be wondering if travel insurance is required for Canada. While it is not mandatory for visitors, there are several reasons trip insurance is highly recommended for Canadian travel.

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