Car insurance

Get on the road to insurance savings

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You rely on your car every day. From running errands to driving to work, you need protection that you can trust.

Choose the right car insurance coverage

Enjoy standard features and choose from the optional types of car insurance coverage. Your insurance covers a variety of potential situations depending on the coverage option you choose.

Available car insurance discounts

With Aviva, you get exceptional savings, reliable coverage, and car insurance the way you want it. Plus, there are even more ways to save on insurance through discounts that reward you for:

Bundling your home and car insurance policies with us
Being a retiree
Insuring more than one vehicle with us
Maintaining a clean driving experience (no convictions and staying claims-free)

Standard car insurance coverage

Standard car insurance from Aviva protects you and your family if you have a car accident. Our auto insurance policy offers coverage including:

Injury, death, or property damage to others
Healthcare costs and loss of income for you

Optional car insurance coverages

Need enhanced car insurance coverage? Customize your car insurance policy with these add-ons.

The availability of these car insurance policy add-ons varies by province. Contact your car insurance representative for more information, to find out which options are available and offer the right coverage for you.

Ride-sharing

Ride-sharing car insurance is designed for drivers who use their personal vehicle part-time to carry paying passengers for an approved transportation network.

Learn more about Ride-sharing

Coverage for Transportation Replacement

Helps provide coverage for you when you need to pay for other means of transportation because of a covered loss.

Conviction Protector

Avoid paying more for your car insurance if you get a minor driving conviction, such as disobeying traffic signs or prohibited turns.

Collision Protection

Protect your vehicle if it’s damaged in a car accident with this valuable add-on feature.

Comprehensive Coverage

Safeguard against damage not caused by a collision, including theft, vandalism, falling objects, and more.

Disappearing Deductible

Add this benefit to your car insurance policy and we’ll reduce your deductible every year you don’t make a claim.

Accident Rating Waiver

This would protect the driving record of the automobile from being affected by the first at-fault accident.

Worry-Free Bundle

Add this package of valuable optional coverages that includes travel costs, civil liability to non-owned vehicles, deductible waiver, and increased accident benefits.

Join Aviva Journey today and start saving on your car insurance!

Generate your personalized car insurance premium for next year and take advantage of the 10% enrolment discount just for joining Aviva Journey.

Start the Journey to savings and safer driving

Discover the benefits of our Electric Vehicle insurance

Take charge of your carbon footprint with an Electric Vehicle insurance discount, free towing when your battery loses its charge on the road, and an EV subsidy on total loss claims.

Take charge with Aviva

If you’re a Lyft car driver in Ontario, Aviva has the car insurance solution you need

Aviva now offers a car insurance solution for Lyft drivers who use their own vehicles for ride-sharing services.

Learn more about Lyft ride-sharing insurance

A woman locking her car with a smartphone app in front of her parked car against an urban cityscape.

Vehicle loss prevention

Be your car’s best defence against auto theft with the latest tips and steps to keep your car from getting stolen.

Here's how

The car insurance you need

With Aviva's car insurance, you'll get:

Combine and save

You’ll get a discount when you combine your home and auto insurance policies.

Learn more

The opportunity to customize your policy

You’ll enjoy the standard features of your car insurance policy and can choose from optional coverages tailored to your unique needs.

24/7 claim service to help you get back on track

You can make your insurance claim in whatever way suits you best including online, by phone or through your insurance representative.

Learn more

Car insurance FAQ

How does car insurance work?

In Canada, you must have car insurance if you legally own and drive a vehicle. Car insurance helps protect you against financial loss in the event of an accident or theft of your vehicle. The coverage you need depends on where you live. Each province and territory sets their own mandatory coverage requirements. You can also buy additional coverages to enhance your level of protection from your insurance provider.
How much is car insurance?
Insurance companies consider a variety of things to make sure you’re getting the best price possible, including:
- The coverage you need and the deductible(s) you choose
- Your vehicle year, make and model
- How you use your vehicle (i.e., pleasure, commuting or business)
- How far you drive each year
- Where you live
- Your driving experience and the experience of any other drivers you’re also insuring
How can I save on my car insurance?
There are a few ways you could save on car insurance:
- Build a consistent accident and conviction-free track record
- Review your policy yearly to take advantage of available discounts
- Increase your deductible
- Combine your car and home insurance
- Sign up for Aviva Journey and get rewarded for safe driving (only in Ontario)
- Drive less and take public transit when possible
Will my car insurance cover me as an Uber or Lyft driver?

Ride-share driving is excluded from personal car insurance policies because it’s considered outside the normal coverage of “personal use”. In other words, your personal car insurance policy only covers day-to-day driving such as running errands, shopping, taking a trip, or commuting to and from work. It doesn’t provide coverage for transporting paying passengers.

If you’re a driver for a ride-sharing service like Uber or Lyft, or you’re considering becoming one, be sure to check with your insurance representative to make sure your car insurance includes the right ride-sharing add-on coverage for you and your passengers.

Read more about personal auto insurance for ride-sharing.
Does personal car insurance cover rental?
Most personal car insurance policies have optional coverages you can buy to help cover rentals for different situations:
- General car rental: Any time you rent a car, you are taking responsibility for the vehicle and anything that happens to it. If you’re planning to rent a car within Canada or the United States, it’s a good idea to speak to your insurance representative to ensure you have the right insurance coverage. In most cases, you can buy additional coverage that can be added to your personal car insurance policy.
- Car rental for a covered claim: Your personal car insurance policy may cover car rentals if you bought additional coverage for transportation replacement. This will help reduce out-of-pocket expenses toward a covered claim for alternative transportation while your car is being repaired.
Read more about personal car insurance and rentals.
Can I get a discount if I drive an electric car?

To encourage greater adoption of zero-emission vehicles, Aviva offers an electric vehicle discount* that could help you save on car insurance. When you choose to insure an EV, you’re also ensuring a more sustainable future.

*The discount varies based on the province and territory the policy is written. Start date of availability varies between distribution channels.

Read more about insuring your electric vehicle or hybrid

Car Insurance brokers, the right choice for you

Get expertise and valuable information for your car insurance needs from coverage to claims support, and discounts.

The content on this page is for information purposes only. The insurance products described herein are subject to eligibility, terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance representative if you would like to learn more. Availability and pricing vary by province. Certain terms and conditions apply. Please contact your insurance representative for more information.