In Canada, car insurance is regulated at a provincial or territorial level. This means that every place functions a little bit differently from one another. While much of the country operates on a mandatory private insurance model, a few provinces offer public auto insurance through public Crown corporations. You can often purchase additional private coverage in provinces with public coverage. Here is how to provinces’ insurance requirements break down: Provinces with private auto insurance Alberta New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Yukon Provinces with public auto : British Columbia: through the Insurance Corporation of British Columbia (ICBC) Manitoba: through the Manitoba Public Insurance (MPI) Saskatchewan: through the Saskatchewan Government Insurance (SGI) Hybrid car insurance Finally, Quebec operates a hybrid model. The public SAAQ (Société de l'assurance automobile du Québec) covers personal injuries caused by a car collision. This is paid through taxes and annual driver's license fees. Drivers in Quebec are required to purchase a minimum $50,000 third-party insurance policy on the private market. This covers civil liability and property damage.