Does U.S. car insurance work in Canada?

Most U.S. car insurance policies will provide the same coverages and limits in Canada for short trips. The types of coverages that usually extend into Canada may include:

• Liability coverage - Covers expenses related to injury, death or property damage of others when you're at fault
• Collision coverage - Covers expenses related to the damage or destruction of your vehicle from an accident or other collision
• Comprehensive coverage - Covers expenses related to the damage to your vehicle caused by vandalism, theft, hail, fallen trees and more

It’s crucial to check your specific insurance policy to verify. Some insurers will require you to notify them ahead of your travel plans. Others may ask you to buy additional coverage (especially for longer stays). The best approach is to contact your insurer before driving outside of the country.

When driving into Canada, you'll need to have the following documents:

A valid passport, passport card or NEXUS card

Canadian law requires that all persons entering Canada carry proof of citizenship and identity, according to the Canada Border Services Agency (CBSA). A valid U.S. passport, passport card, or NEXUS card meets those requirements for U.S. citizens.

A valid U.S. driver’s license

In order to legally drive in Canada, you will need to have a valid (not expired) driver’s license. Some countries require drivers to get an International Driving Permit (IDP) in addition to a U.S. driver’s license – Canada does not, says USA.gov.

Your vehicle registration

This will be used to identify that the vehicle you're driving is yours if you are stopped by the police. It can also be used as an acceptable document to confirm your identity, explains the Canada Border Services Agency.

Proof of car insurance

Car insurance is required by Canadian law according to the Financial Consumer Agency of Canada. As mentioned earlier, U.S. car insurance is accepted for tourists in Canada.

It’s recommended to have a physical copy of your insurance card and/or policy declarations page in case your phone service isn’t working.

As you prepare for your trip to Canada, confirm you have the right insurance coverage. Here are a few things to check before you travel north of the border:

• Your existing coverage. Review your policy's declarations page. Contact your insurance provider to better understand your coverages and limits in Canada, if they are not clearly outlined.
• The trip duration. For short trips (less than a month), your existing U.S. car insurance policy may be valid. For longer stays, consider purchasing additional coverage or a separate Canadian car insurance policy.
• The trip destinations. If you're planning to visit remote areas, ensure you have comprehensive roadside assistance. For winter travel, check if your policy covers weather-related incidents.
• Canadian liability requirements. Certain Canadian provinces may have different minimum liability requirements than your home state. Consider increasing your liability coverage for added protection, if needed.
• Your car’s value. If you have an older or less expensive car, you might opt for liability-only coverage. For newer or leased vehicles, full coverage is often advisable.
• Check for coverage gaps. Look for any exclusions in your policy that might leave you vulnerable in Canada. Consider supplemental insurance to fill these gaps if necessary.
• Consider additional travel insurance. While not strictly auto-related, travel insurance can provide extra peace of mind, covering things like trip cancellation or medical emergencies.

Ask your insurance provider detailed questions about your coverage in Canada. It's always better to be over-prepared than to find yourself underinsured.