Best Auto Insurance Options for Newcomers in Canada | November 2025
Moving to Canada brings exciting opportunities, and understanding auto insurance is crucial for your successful transition. Newcomers can navigate the insurance landscape more confidently by exploring tailored options designed specifically for international residents. With comprehensive plans available from major Canadian insurers, you'll find solutions that match your unique driving background and credit card choices to support your financial journey.
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Summary Table for Best Auto Insurance Options for Newcomers in Canada | November 2025
| Name | Type | Learn More |
|---|---|---|
| TD Insurance Auto | Financial Service | Learn More |
| RBC Insurance Auto | Financial Service | Learn More |
| Scotiabank Insurance Auto | Financial Service | Learn More |
| Manulife Insurance Auto | Financial Service | Learn More |
| Sun Life Insurance Auto | Financial Service | Learn More |
| Desjardins Auto Insurance | Financial Service | Learn More |
| BMO Insurance Auto | Financial Service | Learn More |
| Canada Life Auto Insurance | Financial Service | Learn More |
| IG Insurance Auto | Financial Service | Learn More |
| TD Insurance Newcomer Bundle | Financial Service | Learn More |
| RBC Insurance Newcomer Auto Plan | Financial Service | Learn More |
| Scotiabank Insurance Newcomer Auto Package | Financial Service | Learn More |
What Newcomers Need to Know About Auto Insurance
- Insurance requirements vary by province
- International driving experience may impact initial rates
- Most insurers offer specialized newcomer programs
- Documentation like international driving record is essential
- Proof of previous insurance can help lower initial premiums
- Some provinces require specific newcomer insurance documentation
Our Top Recommendations for Newcomers
- Look for insurers with newcomer-specific programs
- Compare multiple quotes from different providers
- Consider bundling insurance for potential discounts
- Understand provincial insurance requirements
- Request newcomer-specific rate assessments
- Prepare necessary documentation in advance
Detailed Insurance Program Options
1. TD Insurance Auto
Category: Financial Service
TD Insurance Auto provides comprehensive car insurance solutions for newcomers, offering flexible online and in-person insurance options tailored to help new residents protect their vehicles and navigate Canadian driving requirements.
What newcomers need to know:
- Get an online insurance quote easily
- Speak with a licensed TD Insurance Advisor at 1-866-361-2311
- Available Monday – Friday (8 am to 8 pm) and Saturday (9 am to 4 pm)
- Can download TD Insurance mobile app for convenient access
- Access to over 39 auto service centers across Canada
Benefits for newcomers:
- Save 5% when buying Car Insurance online
- Access to on-site Claims Advisors
- Car repair assistance services
- Rental car support
- Ability to create/retrieve MyInsurance account
How to apply:
- Visit official website to learn more
2. RBC Insurance Auto
Category: Financial Service
RBC Insurance Auto provides comprehensive car insurance protection for individuals, offering dependable coverage that helps drivers stay prepared for unexpected situations. For newcomers to Canada, this insurance service offers a reliable way to secure vehicle protection with flexible options.
What newcomers need to know:
- Get an online auto insurance quote in 10 minutes or less
- Access 24/7 claims response service
- Receive no-pressure advice from licensed insurance advisors
- Obtain coverage for accidents, theft, and vehicle damage
- Multiple contact options: online quote, phone (1-877-749-7224), or online request
Benefits for newcomers:
- Dependable protection for you and your vehicles
- Financial stability support in case of unexpected events
- Anonymous claims advice line
- Comprehensive coverage options
- Flexible insurance solutions for different vehicle types
How to apply:
- Visit official website to learn more
3. Scotiabank Insurance Auto
Category: Financial Service
Scotiabank Insurance Auto provides comprehensive vehicle insurance solutions for car owners across Canada. For newcomers, this service offers flexible coverage options that can help protect their vehicles and provide peace of mind in navigating Canadian road regulations.
What newcomers need to know:
- Insurance available for car, truck, or motorcycle
- Coverage options range from basic to comprehensive
- Servicing provinces: Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Labrador, and Prince Edward Island
- Vehicle insurance is mandatory for car owners in Canada
- Can access insurance services through mobile app
Benefits for newcomers:
- Digital proof of insurance accessible via mobile device
- Easy online quote process
- Option to submit and track insurance claims online
- Comprehensive coverage explanations and insurance basics
- Multiple insurance types available (home, auto, life, travel)
How to apply:
- Visit official website to learn more
4. Manulife Insurance Auto
Category: Financial Service
Manulife is a prominent Canadian insurance company that offers various insurance products. However, for newcomers seeking auto insurance, it's important to understand that Manulife does not directly provide personal auto insurance.
What newcomers need to know:
- Manulife does not sell direct auto insurance for personal vehicles
- They offer auto-related insurance through specific group or partner programs
- Newcomers will need to seek a separate dedicated auto insurance provider in Canada
- Manulife may provide rental car collision damage insurance through credit card programs
- Recommended to explore other specialized auto insurance providers
Benefits for newcomers:
- Access to auto-related insurance through partner programs
- Potential rental car collision damage coverage
- Multiple insurance product options (life, health, investment)
- Reliable Canadian insurance company with extensive experience
- Online claims and customer support services available
How to apply:
- Visit official website to learn more
5. Sun Life Insurance Auto
Category: Financial Service
Sun Life Insurance Auto offers comprehensive car insurance solutions that can help newcomers protect their vehicles and finances in Canada. The program provides flexible insurance options with potential discounts for safe drivers and comprehensive coverage.
What newcomers need to know:
- Can save money through road safety tips
- Offers online insurance quotes in minutes
- Provides multiple insurance coverage options
- Potential discounts for Sun Life clients
- Insurance helps protect financial security
Benefits for newcomers:
- Lifetime financial protection options
- Multiple insurance types available
- Potential cost savings through safe driving
- Quick online quote process
- Comprehensive financial planning support
How to apply:
- Visit official website to learn more
6. Desjardins Auto Insurance
Category: Financial Service
Desjardins Auto Insurance provides comprehensive car insurance coverage tailored to individual needs, offering protection and peace of mind for newcomers navigating Canadian roads. Their flexible insurance options and digital services make it easier for immigrants to secure appropriate vehicle protection.
What newcomers need to know:
- Coverage options available for different types of vehicles
- Online quote services for easy insurance access
- Short-term rental/borrowed vehicle coverage up to $100,000
- Manage insurance through online services and mobile app
- Local agents available in Ontario, Alberta, and New Brunswick
Benefits for newcomers:
- 15% discount for each insured car
- 50% off Trouble-Free Option
- Free Desjardins legal assistance
- 10% additional discount for multiple vehicle insurance
- Ability to cancel insurance policy at any time
How to apply:
- Visit official website to learn more
7. BMO Insurance Auto
Category: Financial Service
BMO Insurance offers comprehensive auto insurance solutions designed to provide financial security and protection for vehicle owners. Their insurance products are tailored to help newcomers to Canada secure reliable coverage for their vehicles with expert support and flexible options.
What newcomers need to know:
- Auto insurance coverage helps pay for vehicle repair or replacement costs
- Contact client services at 1-800-387-4483 for product inquiries
- Can obtain insurance quotes online
- Group discounts available for BMO employees
- Offers multiple insurance product options
Benefits for newcomers:
- Financial security for vehicle ownership
- Expert insurance product design
- Knowledgeable support team
- Online quote and payment options
- Flexible insurance coverage plans
How to apply:
- Visit official website to learn more
8. Canada Life Auto Insurance
Category: Financial Service
Canada Life offers comprehensive auto insurance solutions designed to provide peace of mind for drivers across Canada. Their insurance options are tailored to meet diverse needs, offering protection and financial security for new immigrants navigating Canadian roadways.
What newcomers need to know:
- Canada Life offers insurance through Sonnet for home and auto coverage
- Exclusive discounts available for Canada Life employees
- Can get a quote for flexible and affordable insurance plans
- Contact available weekdays from 8 a.m. to 8 p.m. ET
- Multiple insurance types including personal and business insurance available
Benefits for newcomers:
- Protection for personal vehicles
- Safe driving rewards through mobile app
- Coverage for injury, illness, and property
- Flexible insurance plan options
- Comprehensive support for financial and physical well-being
How to apply:
- Visit official website to learn more
9. IG Insurance Auto
Category: Financial Service
Auto insurance is a crucial protection for newcomers to Canada, providing essential coverage for vehicle owners. AIG Canada offers comprehensive insurance solutions that can help immigrants navigate their transportation needs with confidence and security.
What newcomers need to know:
- AIG Canada is federally licensed to operate in all provinces and territories
- Offers multiple insurance coverage options for various vehicle types
- Online quote available for convenient insurance access
- Emergency claims support available at 1-877-317-8060
- Coverage options tailored to different driving needs
Benefits for newcomers:
- Insurance solutions available for over 50 years
- Multiple insurance product selections
- Comprehensive auto insurance coverage
- Flexible online and phone quote options
- Emergency claims support outside business hours
How to apply:
- Visit official website to learn more
10. TD Insurance Newcomer Bundle
Category: Financial Service
TD Insurance offers a specialized insurance bundle designed to help newcomers to Canada navigate their insurance needs with ease. The program provides comprehensive home and auto insurance solutions tailored to support new immigrants in establishing financial protection.
What newcomers need to know:
- Eligible for bundling multiple homes and multiple cars
- Special considerations for international drivers
- Options available for new drivers in Canada
- Can combine home and auto insurance
- Customized insurance solutions for newcomers
Benefits for newcomers:
- Bundling discounts for multiple insurance products
- Simplified insurance options for new Canadian residents
- Access to specialized insurance advice
- Potential savings on insurance premiums
- Support for understanding Canadian insurance requirements
How to apply:
- Visit official website to learn more
11. RBC Insurance Newcomer Auto Plan
Category: Financial Service
RBC offers comprehensive car insurance and automotive loan solutions specifically designed to support newcomers to Canada. The program helps new permanent residents and foreign workers navigate the challenges of obtaining car insurance and financing a vehicle without established Canadian credit history.
What newcomers need to know:
- Must have a valid driver's licence (foreign or Canadian)
- Canadian insurance companies typically do not recognize foreign driving history
- May face higher insurance premiums due to lack of local driving record
- Can apply for car insurance through RBC Insurance
- Eligible for Newcomer Automotive Loan Program if in Canada less than three years
Benefits for newcomers:
- Access to car insurance for new Canadian residents
- Ability to finance a vehicle without Canadian credit history
- Comprehensive coverage for personal vehicles
- Support in establishing financial stability
- Option to get quick online insurance quotes
How to apply:
- Visit official website to learn more
12. Scotiabank Insurance Newcomer Auto Package
Category: Financial Service
Scotiabank offers comprehensive auto insurance solutions for newcomers to Canada through their StartRight program. This service provides flexible financing and insurance options designed to help new immigrants navigate vehicle ownership and protection in Canada.
What newcomers need to know:
- No Canadian credit history requirement for StartRight auto finance program
- Loan amounts available up to $75,000
- Eligibility for newcomers with 3 years or less residency
- Requires 10-25% down payment
- Multiple auto insurance coverage options available
Benefits for newcomers:
- Access to auto financing without established Canadian credit
- Comprehensive insurance coverage options
- Liability insurance protection
- Uninsured auto coverage
- Rental vehicle coverage options
How to apply:
- Visit official website to learn more
Final Words
Navigating auto insurance as a newcomer requires careful research and understanding of Canadian regulations. By leveraging specialized newcomer programs, comparing multiple options, and preparing comprehensive documentation, you can secure reliable coverage that protects you on Canadian roads. Remember that investing time in understanding your insurance options will provide peace of mind during your exciting new journey in Canada.
About the author
Frequently Asked Questions: Best Auto Insurance Options for Newcomers in Canada | November 2025
What are the best auto insurance companies for newcomers in Canada in 2025?
TD Insurance, RBC Insurance, Scotiabank Insurance, Manulife, and Sun Life offer top-rated auto insurance options specifically designed for newcomers with flexible requirements and competitive rates.
How do newcomers qualify for auto insurance with no Canadian driving history?
Most Canadian insurers like TD and RBC offer special newcomer programs that consider international driving experience, provide documentation support, and help establish initial insurance coverage despite limited local driving records.
Which auto insurance provider offers the most affordable rates for immigrants in Canada?
Scotiabank Insurance and RBC Insurance consistently provide the most competitive rates for newcomers, offering specialized packages that consider international driving experience and help reduce initial insurance costs.
What documentation do newcomers need to get auto insurance in Canada?
Newcomers typically need a valid international driver's license, proof of immigration status, temporary or permanent resident documentation, and any available driving history records from their home country.
How can newcomers reduce their auto insurance premiums in Canada?
Taking approved driver education courses, maintaining a clean driving record, choosing a higher deductible, and bundling multiple insurance products can help newcomers significantly reduce their auto insurance premiums in Canada.