Whatever you do, ensure that you put some thought into it and fulfill your obligation to drive an insured car in the United States to avoid trouble. How far in advance do you need to book a vehicle? This appears to be the normal situation with Canadian insurance companies and foreign driving experience. According to , American travelers are granted six months to travel through Canada when cleared for entry by a Canadian border crossing official. If you have time, comparison shop. To obtain insurance in Ontario, you need to contact an insurance company or broker and provide information about yourself, your driving history, your car and how you intend to drive it. Once you get the details and your international car insurance ironed out, sit back, enjoy the scenery and make memories to last a lifetime.
Any infraction or citation issued abroad will be waiting for you when you return home. Auto insurance is required in virtually every state. Purchasing Additional Insurance Once you determine the extent of your existing coverage, consider any additional coverage you may want to help protect you in the case of an accident, theft or injury in that country, and where you can secure it. Who can offer me an insurance policy for the car? This may elevate insurance premiums drastically for about the first five years of coverage. While a lot of countries do, many others will not recognize your U. Once you have coverage determined, be sure you are not being charged for something for which you already have coverage. The cost of insurance arranged this way is usually even more expensive.
Rental agencies may insist that you add coverage, due to your residency. You just have to shop around, or better still, work via a broker. Call the number on the back of your credit card before traveling to see if they offer coverage, and what their coverage entails. First, you gotta have insurance. If you got into an accident without any form of insurance, how would you pay for the damage? Here are very common questions regarding insurance coverage and travel to Canada with the correct answers. Snow and ice are major driving hazards in most parts of Canada. You can usually purchase auto insurance from an overseas car rental company, but in some countries the required coverage is minimal.
Booking Your Car Book in advance. However, many countries — more than 150 — will accept your U. Our goal is to be an objective, third-party resource for everything auto insurance related. When evaluating rates, please verify directly with your insurance company or agent. Visit the websites of several rental agencies and search for identical cars on your travel dates. Never drink and drive: This goes without saying in all countries, but counts double in Mexico because your insurance could be nullified if alcohol played a role in the accident.
Some companies may even offer insurance at no extra charge. Ontario auto insurance comes in 6 month and one year terms. An umbrella policy typically applies anywhere in the world, but only above the required underlying insurance, so a driver with umbrella insurance will still need to buy personal from the rental company in another country or some other source. Just as car insurance is not applicable in the U. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise. Once you are overseas, shifting , unfamiliar rental specs, language barriers and other cultural differences can cause unexpected problems. Every insurance company has its own underwriting requirements.
Most, if not all car dealerships in the United States can facilitate this kind of coverage if need be. Failure to abide by this rule in multiple fines and possible jail time, depending on the state you are in. Drivers visiting Ontario from another country usually find driving is a comfortable experience. Read about some of the most important laws to know. International car insurance for Europe or other countries Regulations and requirements can vary by country. However, there are some things to make the transition smoother, and there are restrictions you may run into.
We are not responsible for the content of any third-party sites linked from this page. Some will opt for rental cars while others will purchase a new car or settle for borrowed cars. Car insurance for long-term foreign residents It may be difficult to find car insurance with an international driving permit; some insurers will only sell you an insurance policy if you have a U. The coverage you carry here in the States applies with the same limits and liabilities as you drive through Canada. Bare in mind, it's difficult and expensive for a foreign driver to get insurance.
International road trips can be among the most memorable ways to travel. The waiver can double the daily rate for the rental, though. In most cases, you are covered by your existing U. You must leave the country before the six months expires or apply for permission to extend your stay within 30 days of the expiration date. Renting a Car in Canada If you choose to rent a car in Canada, your policy will likely cover you; however, your coverage may not be as robust.
Citizens If you live in the U. This includes accidents with another vehicle or hitting a pedestrian. Please help us keep our site clean and safe by following our , and avoid disclosing personal or sensitive information such as bank account or phone numbers. For drivers coming from Canada or Mexico, this is certainly something to keep in mind. If you are planning to rent a car abroad, you may be asked to present one along with your regular license from home. Coverages and other features vary between insurers, vary by state, and are not available in all states.
Report any existing issues and ask the company to include them in your lease. Other countries will have their own specific sets of rental insurance requirements. The extent of auto insurance coverage for a non-U. Here are some of the most common questions, with responses from our licensed insurance representatives. How to get insurance when driving in Mexico Driving your car in Mexico Progressive can provide you with a proper insurance policy through MexPro, a specialized broker for Mexico insurance.