Progressive, USAA, and Geico offer the best car insurance for drivers with a Canadian license, with affordable prices starting at about $80 per month.

Progressive is well known for its cross-border adaptability, which makes it perfect for people who travel frequently. Geico provides extensive savings, but USAA is the best option for customer service.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	10%	A+	Cross-Border Flexibility	Progressive
	#2	10%	A++	Customer Service	USAA
	#3	25%	A++	Comprehensive Discounts	Geico
	#4	20%	A+	Flexible Coverage	Nationwide
	#5	5%	A+	Specialized Support	The Hartford
	#6	20%	A	Personalized Service	Farmers
	#7	25%	A	Comprehensive Coverage	Liberty Mutual
	#8	25%	A+	Nationwide Presence	Allstate
	#9	13%	A++	Reliable Coverage	Travelers
	#10	17%	B	Local Agents	State Farm

Every business provides different advantages, ranging from individualized attention to a wide range of coverage choices. Our practical guide to car insurance helps drivers discover the greatest balance between savings and coverage with the aid of our helpful guide to auto insurance.

Ready to shop around for the best car insurance company? Enter your ZIP code above and see which one offers the coverage you need.

What You Should Know

• Find the best car insurance for drivers with a Canadian license, starting at $80/month
• Progressive is the top pick for cross-border flexibility and frequent travelers
• USAA excels in customer service, and Geico offers great discounts for Canadian drivers

#1 – Progressive: Top Overall Pick

Pros

• Cross-Border Adaptability: For drivers with a Canadian license who often travel between the United States and Canada, Progressive is the best option.
• Reasonably Priced Premiums: Progressive provides Canadian license holders with base coverage costs as low as $85 each month.
• Bundling Benefits: With a 10% bundling discount, our Progressive review highlights further savings for Canadian drivers.

Cons

• Fewer Local Agents: Progressive may have a limited number of local representatives that could affect Canadian license holders needing in-person support.
• Variable Pricing for Certain Drivers: Rates for Canadian license holders may fluctuate and could be higher for drivers with specific profiles or histories.

#2 – USAA: Best for Customer Service

Pros

• Exceptional Customer Support: When it comes to providing drivers with a Canadian license with individualized treatment, USAA really goes above and beyond.
• Affordable Rates: If you have a Canadian military license, you can take advantage of USAA's budget-friendly rates starting at just $80 a month.
• Exclusive Member Perks: Our USAA review highlights some great discounts and benefits available specifically for military families and eligible Canadian license holders.

Cons

• Limited Access: USAA mainly serves military members and their families, which means availability might be restricted for some Canadian license holders.
• Limited Physical Offices: Canadian license holders may find fewer in-person service locations in certain regions.

#3 – Geico: Best for Comprehensive Discounts

Pros

• Huge Savings Reductions: Geico offers a variety of reductions, guaranteeing drivers with a Canadian license significant savings.
• Low-Cost Plans: Geico offers competitive pricing starting at $83 per month for essential coverage for Canadian license holders.
• Easy Online Management: Geico’s online marketplace for insurance makes policy management straightforward for Canadian license holders.

Cons

• Standardized Customer Service: Customer service may be less personalized for Canadian license holders than some other providers.
• Fewer Specialty Coverages: Geico might not offer limited specialized coverage options that some Canadian license holders require.

#4 – Nationwide: Best for Flexible Coverage

Pros

• Adaptable Coverage Choices: Nationwide provides personalized plans designed for drivers holding a Canadian license.
• Affordable Pricing: Core coverage is available for Canadian license holders starting at $87 per month. Find out more in our Nationwide review.
• Several Opportunities to Save: Canadian license holders can find reasonably priced options by taking advantage of a range of savings, such as multi-policy bundles.

Cons

• Limited Access to Discounts: Canadian license holders may find it more difficult to be eligible for some discounts.
• Additional Costs in Particular Areas: Canadian drivers may pay more for insurance depending on their residence and driving record.

#5 – The Hartford: Best for Specialized Support

Pros

• Specialized Support: For senior drivers with Canadian licenses, The Hartford offers specialized assistance.
• Inexpensive Rates: For Canadian license holders, fundamental coverage starts at $84 per month.
• Special Senior Discounts: The Hartford offers senior drivers with Canadian licenses exclusive discounts and perks, as highlighted in our assessment.

Cons

• Not Available for Younger Drivers: The Hartford car insurance for Canadian drivers is only available to seniors.
• Limited Access to Coverage: Senior drivers must be AARP members to buy The Hartford insurance with a Canadian license.

#6 – Farmers: Best for Personalized Service

Pros

• Individualized Attention: This company had a reputation in delivering personalized service to drivers with a Canadian license.
• Moderate Costs: Farmers offers rates beginning at $86 per month for basic coverage for Canadian license holders.
• Strong Agent Network: Explore our Farmers review to see how extensive local agent presence enhances support for Canadian license holders.

Cons

• Few Digital Resources: Fewer online tools may inconvenience Canadian license holders managing their policies.
• Higher Premiums in Some Areas: Prices may be steeper in certain regions for Canadian license holders.

#7 – Liberty Mutual: Best for Comprehensive Coverage

Pros

• Broad variety of Coverage: Liberty Mutual provides a broad variety of insurance options for drivers who possess a Canadian driver's license.
• Significant Discounts: Canadian license holders can save money with discounts of up to 25%.
• Reasonably Priced: According to our assessment of Liberty Mutual, minimum premiums for Canadian license holders start at $90 a month.

  Cons

• Insufficient Customer Feedback: Canadian license holders may have different experiences with customer support.
• Greater Initial Charges: For Canadian license holders, base rates may be higher than those of certain rivals.

#8 – Allstate: Best for Nationwide Presence

Pros

• Widespread Availability: Allstate’s extensive network of agents is ready to assist drivers with a Canadian license across the U.S.
• Cost-Effective Rates: Allstate offers monthly premiums for Canadian license holders at $88 per month.
• Savings on Bundling: In our Allstate review, Canadian drivers can find up to 25% discounts for bundling multiple policies.

Cons

• More Rates in Particular Regions: Certain Canadian license holders could have to pay higher rates in certain locations.
• Restricted Savings for Single Policies: Canadian license holders who only have one insurance can have fewer savings options.

#9 – Travelers: Best for Reliable Coverage

Pros

• Reputable Coverage: Travelers is well known for offering Canadian drivers dependable insurance choices.
• Budget Premiums: For Canadian license holders, the monthly rate for essential coverage begins at $81.
• Financial Stability: The firm has an A++ rating by A.M. in our Travelers ratings. Best of all, Canadian license holders are guaranteed claim security.

Cons

• Benefits of Minimal Reduction: Not all Canadian license holders may qualify for fewer discount programs.
• Unpredictable Support Effectiveness: Customer service may be uneven for Canadian license holders.

#10 – State Farm: Best for Local Agents

Pros

• Local Representatives:: Canadian drivers may find State Farm's local agents especially useful when looking for U.S. insurance options.
• Comparative Pricing: State Farm rates start at $82 per month for coverage targeted at Canadian license holders.
• Combining Savings: As our State Farm review pointed out, Canadian drivers may reduce their auto insurance costs by combining policies.

Cons

• Lower AM Best Rating: State Farm has a lower financial strength rating for Canadian license holders than other companies on this list.
• Limited Discounts for Younger Drivers: Younger Canadian license holders may find fewer savings opportunities.

Car Insurance Cost Comparison for Drivers With a Canadian License

The best and cheapest car insurance companies for drivers with a Canadian license can vary widely depending on the insurer and the type of coverage chosen. The table below shows the monthly rates for both minimum and full coverage.

Insurance Company	Minimum Coverage	Full Coverage
	$88	$182
	$86	$178
	$83	$170
	$90	$185
	$87	$180
	$85	$175
	$82	$168
	$84	$172
	$81	$176
	$80	$165

For minimum coverage, USAA offers the lowest rate at $80 per month, with Travelers and State Farm following closely at $81 and $82, respectively.

Other affordable options for minimum coverage include Geico at $83, The Hartford at $84, and Progressive at $85 per month.

For full coverage, USAA again provides the most economical rate at $165 per month, making it an attractive choice for those seeking comprehensive protection. State Farm and Geico also deliver competitive full coverage rates at $168 and $170 per month.

Drivers with a Canadian license should understand what broad form insurance covers and the various types of coverage available to meet their specific needs.

• Liability Coverage: Mandatory in most states and covers bodily injury and property damage if you're at fault in an accident
• Collision Coverage: Pays for vehicle repairs after a collision, regardless of fault
• Comprehensive Coverage: Protects against non-collision incidents like theft, vandalism, or natural disasters
• Uninsured/Underinsured Motorist Coverage: Provides financial protection if you're in an accident with an underinsured or uninsured driver
• Personal Injury Protection (PIP) or Medical Payments Coverage: Covers medical expenses for you and passengers, regardless of fault

These coverage types allow drivers to tailor their insurance policy to their unique requirements, ensuring both compliance and peace of mind on the road.

Best Car Insurance Discounts for Drivers With a Canadian License

The best auto insurance for drivers with a Canadian license often includes discounts specifically designed for international or foreign drivers. Many insurance providers offer multi-policy bundles, safe driver discounts, and even options for accident forgiveness, making it easier for drivers with Canadian licenses to save on premiums.

Insurance Company	Available Discount
	Multi-Policy, Safe Driver, Accident Forgiveness, Defensive Driving
	Signal® App, Multi-Policy, Safe Driver, Accident Forgiveness
	Multi-Policy, Defensive Driving, Safe Driver, Good Payer
	Accident Forgiveness, Multi-Policy, Safe Driver, New Car Replacement
	Vanishing Deductible®, Multi-Policy, Safe Driver, Bundling
	Snapshot®, Multi-Policy, Continuous Insurance, Safe Driver
	Drive Safe & Save™, Multi-Policy, Safe Driver, Accident-Free
	AARP Member, Multi-Policy, Accident Forgiveness, Bundling
	Multi-Policy, Safe Driver, Accident Forgiveness, Bundling
	Multi-Policy, Loyalty, Safe Driver, Accident Forgiveness

If you're wondering how to get cheap car insurance, drivers can also lower premiums by increasing deductibles or opting for usage-based insurance plans, which monitor driving habits and reward safe driving with further savings.

For Canadian drivers, options like these offer opportunities to save by combining policies, enrolling in defensive driving programs, or using apps that track driving habits.

To find the best car insurance for international drivers, compare your options online to identify which provider meets your needs the best.

Top Picks and Smart Strategies for Canadian License Holders

The top three car insurance companies for drivers with a Canadian license are Progressive, USAA, and Geico. Progressive stands out for its cross-border flexibility, making it ideal for frequent travelers.

Dad finds out that Friday nights are for insurance. pic.twitter.com/uYdjtBnOs3

— Progressive (@progressive) September 16, 2024

USAA is praised for its exceptional customer service, while Geico offers valuable discounts, such as safe driver incentives, starting at $80 per month. For drivers with luxury vehicles, specialized coverage may be required to protect high-value assets.

To buy car insurance without breaking the bank, Canadian drivers should compare multiple quotes online using tools to explore rates and coverage options from various providers. Enter your ZIP code below to see how much you could save.