Nearly all American car insurance policies extend their coverage to Canada. A reciprocal agreement between the U.S. and Canada has led to mutually recognized insurance benefits.3 This means that, in most cases, your U.S. insurance will protect you with the same coverage, limits, and liabilities when you visit Canada.
Your American policy is valid as long as you have tourist status in Canada. U.S. citizens can stay in Canada as a tourist for as long as six months. This means that you can drive in Canada with your U.S. insurance for up to half a year. After that point (such as if you have decided to move to Canada), you should purchase a Canadian policy.
It is always crucial to review your policy before driving to Canada to ensure that your coverage does indeed apply. You should also review the rules of the road in Canada. While they are largely the same as in the U.S., there are some slight differences. For instance, Canadian speed limits are measured in kilometers rather than miles per hour. If you don’t know the difference, you could be caught speeding and face steep penalties.