What type of auto insurance is mandatory in Manitoba, Quebec, BC, and Saskatchewan?

In Manitoba, Quebec, British Columbia, and Saskatchewan, the type of auto insurance that is mandatory is provided by public insurers. This model creates a government-run insurance system in which the provinces own or manage the insurance programs. Such a system is designed to ensure that all drivers have access to basic coverage, which is particularly important in maintaining road safety and financial protection for accident victims.

Public insurance often comes with standardized rates and coverage levels, which helps to prevent discrimination and ensures that all drivers contribute to the pool of insured individuals. This can lead to cheaper rates for consumers, as the cost distribution is spread over a larger group, reducing individual financial burdens.

While there are other types of insurance arrangements, such as private insurers or facilities that might offer additional options or specific circumstances, the mandatory requirement in these provinces is tied to the public insurance model. This approach aligns with the broader goal of providing universal access to essential auto insurance coverage.