If you are traveling to Canada for a visit and are driving your own vehicle, your US auto insurance should be valid in Canada. It’s a good idea to contact your insurance provider to confirm the type and level of coverage you have in place before you leave.
The situation is different if you are planning to move to Canada from the U.S. In most parts of the country, you will not be able to get car insurance without a driver’s license issued by the province where you are living. Your U.S. policy may cover you for a limited time after the move, but you will need to contact the company to find out how long the coverage will last.
To get insurance coverage after your move to Canada, you will need to provide the company with the following documentation:
- a letter from your U.S. car insurance provider indicating whether you have made any claims against your policy during the past six years
- a copy of your driver’s abstract
You should be able to get a copy of the driver’s abstract from your state Department of Motor Vehicles.
The Canadian car insurance company will use this information to determine how much risk you present for car insurance purposes. If you have been licensed for several years and have a clean driving record, you should be able to qualify for preferred coverage rates from your new insurance company.