your car insurance in canada
Heading to the Great White North? Find out how your U.S. car insurance travels with you across the border into Canada.
Am I covered by my U.S. policy in Canada?
Generally, yes. As long as you're visiting and not staying permanently, your U.S. auto coverage will travel with you through Canada.
Contact your insurer before your trip to confirm that your coverage goes with you. Your insurer may send you a temporary Canadian insurance card to keep in your glove box.
If you're an Esurance customer planning to cross into Canada, give us a call at 1-800-ESURANCE (1-800-378-7262) to request a Canadian insurance ID card.
Insuring a rental car in Canada
If you tour Canada in a rental car, you'll still have insurance coverage through your U.S. policy. Your insurance can cover liability and medical expenses, depending on your policy, but you won't have comprehensive and collision coverages (and other vehicle-specific coverages) on the rental.
Some credit card companies, like American Express®, may offer primary auto insurance with these sorts of coverages if you use your card to pay for the rental. Call the number on the back of your card to find out exactly what is and isn't covered before you go ahead and buy any extra protection at the rental counter.
What if I'm moving to Canada?
If you're setting up permanent residence in Canada, you'll have to swap your old U.S. policy for shiny, new Canadian car insurance. We can help you start shopping. Grab your online quote now to get the ball rolling.
Documents to pack before you drive to Canada
Your U.S. drivers license is valid in Canada, so that's a must. You'll also want to bring your passport to get back into the U.S. And if you're traveling with your child, bring some proof of ID (like a birth certificate) as well as proof of custody forms (if you're divorced and traveling with your child).
Canadian insurance card
Like an intracontinental hall pass, this document assures Canadian authorities that you're an insured tourist with adequate coverage. Your insurer may issue one of these for travel to Canada. Carry it with you, along with your usual proof of insurance, whenever you're driving.
If you're in an accident in Canada
Even though our northerly neighbors are skilled, courteous drivers (probably), accidents happen. If you're an Esurance customer and have a mishap in Canada, you can handle it in much the same way as you would back home.
First, call the police. Be honest about what happened, and get a copy of the police report. After the police, call us at 1-800-ESURANCE (1-800-378-7262) — yep, even in Canada. We'll walk you through the rest, from filing a claim to finding a repair shop. It's that easy, eh.
Insurance for Canadians
Esurance doesn't offer car insurance in Canada, but we can help you shop for the right long-term policy. Start your quote here.
Conversions in Canada
1 km = 0.62 miles
100 km/hr = 62 mph
For those driving in Quebec
Arrêt = Stop
Cédez le passage = Yield
Entrée Interdite = No entrance
Prepping your car for winter
Winterize your ride (and your driving habits) if you live in a cold weather area here in the states.
Crossing the Canadian border
The Canada Border Services Agency has tips on what you'll be asked to show and do when headed to Canuck country.