Best Auto Insurance for Drivers With a Canadian License in 2024 (Top 10 Companies Ranked)
State Farm, USAA, and Geico offer the best auto insurance for drivers with a Canadian license, with premiums starting at $53 per month. Our objective is to assist you in comparing quotes from these trusted insurers, ensuring you secure the best coverage along with customized discounts for your vehicle.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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State Farm stands out as the best auto insurance for drivers with a Canadian license, offering comprehensive protection with rates starting as low as $53 per month.
Our Top 10 Company Picks: Best Auto Insurance for Drivers With a Canadian License
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 15% B Many Discounts State Farm
#2 10% A++ Military Savings USAA
#3 25% A++ Cheap Rates Geico
#4 10% A+ Online Convenience Progressive
#5 20% A+ Add-on Coverages Allstate
#6 10% A Local Agents Farmers
#7 12% A Customizable Polices Liberty Mutual
#8 10% A++ Accident Forgiveness Travelers
#9 15% A Local Agents AAA
#10 10% A+ Usage Discount Nationwide
- State Farm offers competitive rates starting at $53 per month
- Leading insurance providers provide opportunities for drivers
- Multiple discount options for Canadian license holders
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#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Coverage Options: Offers a wide range of coverage options including rideshare insurance, which is not available with all insurers. Find out more in our State Farm auto insurance review.
- Strong Financial Stability: High financial strength ratings, ensuring reliability in claim payouts.
- Extensive Agent Network: Large network of agents providing personalized service and assistance.
Cons
- Higher Premiums: Can be more expensive compared to other insurers, especially for young drivers.
- Limited Online Services: Some services require visiting an agent, which may be inconvenient for tech-savvy customers.
#2 – USAA: Best for Military Savings
Pros
- Exclusive Military Benefits: Special discounts and benefits tailored for military personnel and their families.
- Highly Rated Customer Service: Consistently high customer satisfaction ratings. Read more through our USAA auto insurance review.
- Comprehensive Coverage: Broad range of coverage options, including military-specific needs.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families.
- Limited Physical Locations: Fewer local branches compared to other major insurers.
#3 – Geico: Best for Cheap Rates
Pros
- Affordable Rates: Known for offering some of the cheapest rates in the industry.
- User-Friendly Website: Excellent online tools and mobile app for managing policies. Read more through our Geico auto insurance review.
- Wide Range of Discounts: Multiple discounts available, including good driver, military, and federal employee discounts.
Cons
- Customer Service: Mixed reviews on customer service experiences.
- Limited Agent Interaction: Primarily an online and phone-based service with fewer local agents.
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#4 – Progressive: Best for Online Convenience
Pros
- Snapshot Program: Usage-based insurance program that can lead to significant savings for safe drivers.
- Strong Online Presence: Comprehensive online resources and easy-to-use website and app.
- Wide Coverage Options: Offers a variety of coverage options and add-ons.
Cons
- Mixed Customer Service Reviews: In our Progressive auto insurance review, there were inconsistent customer service experiences reported.
- Higher Rates After Claims: Premiums can increase significantly after an accident or claim.
#5 – Allstate: Best for Add-on Coverages
Pros
- Comprehensive Coverage Options: Wide range of coverage options including accident forgiveness and new car replacement.
- Local Agents: Strong network of local agents providing personalized service.
- Good Discount Programs: Offers various discounts, including multi-policy and safe driver discounts.
Cons
- Higher Premiums: Generally higher premiums compared to competitors. Use our Allstate auto insurance review as your guide.
- Customer Satisfaction: Average customer satisfaction ratings compared to top competitors.
#6 – Farmers: Best for Local Agents
Pros
- Customizable Policies: Wide range of add-on options for highly customizable policies.
- Strong Agent Network: Large network of local agents for personalized service.
- Accident Forgiveness: Available options for accident forgiveness and new car replacement.
Cons
- Higher Rates: Often more expensive than other insurers.
- Complex Policies: Farmers, as mentioned in our Farmers auto insurance review, coverage options can be complex and overwhelming for some customers.
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#7 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Coverage: Offers highly customizable policies with numerous add-ons. For further insights, refer to our Liberty Mutual auto insurance review.
- Accident Forgiveness: Available to help prevent rate increases after the first accident.
- Discounts: Multiple discount opportunities, including for bundling policies.
Cons
- Customer Service: Mixed reviews on customer service quality.
- High Rates: Premiums can be higher than average, particularly for comprehensive coverage.
#8 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Our Travelers auto insurance review reveals that options for accident forgiveness to avoid rate hikes after an accident.
- Comprehensive Coverage Options: Offers a wide range of coverage options and discounts.
- Strong Financial Stability: High ratings for financial stability and reliability.
Cons
- Higher Premiums: Can be more expensive compared to other insurers.
- Limited Online Tools: Fewer online tools and resources compared to other top providers.
#9 – AAA: Best for Local Agents
Pros
- Membership Benefits: Access to a wide range of additional services and discounts as part of AAA membership.
- Local Offices: Strong presence with local offices providing personalized service.
- Good Roadside Assistance: Renowned for excellent roadside assistance programs.
Cons
- Membership Required: Must be a AAA member to access insurance services. Read more through our AAA auto insurance review.
- Higher Rates: Premiums can be higher than those of non-membership-based insurers.
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#10 – Nationwide: Best for Usage Discount
Pros
- Usage-Based Discounts: Offers SmartRide and SmartMiles programs for usage-based discounts.
- Strong Financial Ratings: High financial strength ratings ensuring reliability.
- Vanishing Deductible: Deductible reduction programs for safe driving. Read more through our Nationwide auto insurance review.
Cons
- Mixed Customer Service Reviews: Inconsistent customer service experiences.
- Higher Premiums: Generally higher premiums compared to some competitors, especially for comprehensive coverage.
Getting U.S. Auto Insurance For Drivers With a Canadian License
Getting U.S. Auto Insurance Before Leaving Canada
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The Bottom Line on Auto Insurance for Drivers with a Canadian License
For short-term visits to the United States, drivers with a Canadian license do not need to have U.S. auto insurance.
Jeff Root
Licensed Insurance Agent
Various discount and comprehensive coverage is available for drivers with a Canadian license.
However, if you’re staying for longer than six months, you will need to buy an auto policy that meets the minimum car insurance rates in the state you’ll be driving in.
Make sure you take advantage of auto insurance discounts. This will ensure you get the best auto insurance rates for drivers with a Canadian license. Enter your ZIP code now to start comparing.
Frequently Asked Questions
Can I drive in the United States with a Canadian driver’s license?
Yes, you can drive in the U.S. with a valid Canadian driver’s license. However, it is advisable to carry an International Driving Permit (IDP) along with your Canadian license for additional convenience and proof of identification.
Do I need auto insurance to drive in the United States with a Canadian license?
Yes, auto insurance is mandatory for driving in the U.S., even if you have a Canadian driver’s license. It is crucial to have appropriate auto insurance coverage that meets the minimum requirements of the state where you will be driving. Enter your ZIP code now to begin.
Can I get U.S. car insurance with a Canadian license?
Many popular U.S. insurance companies offer auto insurance or liability auto insurance to foreign drivers, including Progressive and State Farm.
Will my Canadian auto insurance policy cover me while driving in the United States?
Your Canadian auto insurance policy may provide coverage for driving in the U.S., but it is essential to check with your insurance provider to confirm the extent of coverage. Some policies may offer coverage for a limited time or have specific restrictions, so it’s crucial to review your policy and consult your insurance agent.
Can you buy auto insurance without a U.S. driver’s license?
You can buy car insurance without a U.S. license as long as you have a valid driver’s license or permit issued by your country of residence. Enter your ZIP code now to start.
What are the U.S. minimum auto insurance requirements for drivers with a Canadian license?
Auto insurance or collision insurance requirements vary by state in the U.S. Generally, liability insurance is the minimum requirement, covering bodily injury and property damage liability.
How can a Canadian get a U.S. driver’s license?
Contact the local DMV in the state where you’re residing to start the licensing process. You may need to retake the written and practical driving tests before the state will issue a driver’s license.
Will my Canadian auto insurance policy cover me if I drive a rental car in the United States?
Canadian auto insurance policies may not typically cover rental cars in the U.S. Rental car companies usually offer their own insurance options, including collision damage waivers and liability coverage. It is advisable to check with your insurance provider and the rental car company to understand the extent of coverage and consider purchasing additional insurance from the rental agency if necessary. Enter your ZIP code now to begin comparing.
How can I obtain an International Driving Permit (IDP) in Canada?
In Canada, you can obtain an International Driving Permit (IDP) from the Canadian Automobile Association (CAA). To apply for an IDP, you will need to visit a local CAA office in person and provide the required documentation, such as your Canadian driver’s license, passport-sized photographs, and a completed application form. It is recommended to check the specific requirements and fees with your local CAA office before applying.
Can I buy a car with a Canadian license?
You can buy a car in the United States with a Canadian license, but you won’t be able to drive it off the lot unless you have a U.S. insurance policy. You cannot use Canadian auto insurance or any type of auto insurance on that car as it cannot be registered in Canada, and you won’t be able to register the vehicle in the state that you bought it unless you have a U.S. driver’s license.
How long can I drive my Canadian car in the U.S.?
Non-U.S. residents can typically drive their vehicles for up to one year before they’re required to register in the state they’re residing in.
How long can you drive with a foreign license in the U.S.?
Non-U.S. residents can drive for 4-6 months with a foreign driver’s license.
What happens if you drive a car without auto insurance in the U.S.?
Without car insurance, you will personally be held financially and legally responsible for any damages you cause in an auto accident.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
