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PC Insurance

We’ve got you covered in Prince Edward Island with PC auto insurance

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The benefits of PC auto insurance

Whether you’re using your vehicle for scenic coastal drives around the island or on your day-to-day commute into Charlottetown, you’re going to need car insurance coverage that will help you stay prepared for all of life’s twists and turns.

As a car insurance broker, we shop at up to eight insurance companies to ensure you receive the best rates we can find for your situation. And we’re available 24/7 to help you with any claims.

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Plus, we reward you for every dollar you spend with a PC Financial Mastercard®.

When you pay your PC insurance premium with your PC Financial Mastercard®, you earn 2X the regular PC Optimum points – redeemable for free groceries, fashion and more at participating stores. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards).

Visit for details and full store list.

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We get you the best car insurance rate we can for your situation in PEI

To help you get the best car insurance rate for your situation, PC auto insurance brokers compare quotes from up to eight different car insurance companies in PEI. Our team takes the time and effort to learn as much as we can about your specific situation, all to provide you with the very best options that work for you.

Which car insurance companies does PC insurance work with in PEI?

PC insurance works with the following auto insurance companies in PEI:

Aviva insuranceIntact insuranceTravellers insurancePafco insurancePembridge insuranceEconomical insurance

What factors affect the cost of car insurance in ?

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Car make, model, and age

Car make, model, and age play a big role in determining car insurance rates. Older vehicles typically cost less to repair or replace in the event of a collision and are typically less expensive to insure. On the other hand, if your car is newer or from a luxury brand, expect to pay higher premiums.

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Driver’s age

Since experienced drivers can provide longer track records demonstrating their good behaviour on the road, they’re tend to be less of a risk for car insurance companies to insure. Younger drivers however, fall into a high-risk age category and tend to pay higher premiums.

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Vehicle make, model and year are taken into account when calculating insurance premiums, along with the likelihood of a model being stolen or the price of replacement parts.

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Vehicle use

While some drivers primarily use their vehicles for their daily commute, others may only drive occasionally. Make sure you let your insurance broker know everything about your driving habits and how often you’ll be using your car – usage factors in to your auto insurance costs.

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Who sets car insurance rates in PEI?

To maintain fair premiums and consumer protection to drivers, car insurance rates in PEI are governed by the Island Regulatory and Appeals Commission and Office of the Superintendent of Insurance. Amendments to auto insurance legislation first came into effect in 2003, which mandates all insurance companies to seek Commission authorization for any rate changes.

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What is the minimum requirement for car insurance in PEI?

The minimum amount of third-party liability insurance required in PEI is $200,000. However, a policy that offers more coverage than the minimum is generally recommended to help cover you and your family in the event of an accident.

Is car insurance mandatory in PEI?

Vehicle owners in PEI are required to buy auto insurance coverage from a private insurer. Since car insurance is applied to the vehicle as opposed to the driver, each and every one of your vehicles must be covered – no exceptions.

What can I do to help lower the cost of car insurance?

Having to spend money on car insurance is an unfortunate reality for drivers. Luckily, there are ways that you can potentially lower your insurance costs and keep a little extra cash in your pocket.

Install an anti-theft device

Many car insurance companies offer reduced rates to drivers who take measures to help prevent their vehicle from being stolen. Consider installing security devices such as engine immobilizers, steering wheel locks and vehicle tracking systems to help safeguard against theft. Remember to keep your proof of purchase and proper installation, since insurers may ask you to provide them at any point.

Use a dashboard Camera

You might consider installing a dash cam on your car, so that in the case of an accident you have a recording. This tiny camera records in real-time and its footage may be used to settle car insurance claims.

Use winter tires

Snow and black ice are not uncommon in PEI and winter roads can be challenging to drive. That’s why many car insurance companies reward drivers who have purchased and installed winter tires.

Consider switching insurance providers

You don’t need to wait until you get a renewal notice from your car insurance company to shop around for new policies. The sooner you begin your search, the more time you’ll have to compare the prices in the market. You may find out that you’re paying for add-ons you don’t really need.

Bundle insurance policies

Many insurance providers, including PC insurance, offer additional discounts if you decide to bundle your auto insurance with other insurance policies with the same company.

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How does driver licensing work in PEI?

As is the case with the rest of Canada, PEI features a graduated licensing program. This means that new drivers must pass through multiple stages before receiving their full license. Each stage comes with its own set of requirements that must be completed prior to moving on:


In stage 1, the new driver gets a class 7 beginner’s permit, which allows him or her to drive with an instructor for training purposes. Class 7 drivers are not allowed to have any other passengers in the vehicle, other than an immediate family member and the instructor. They also must visibly display an “L” decal on their windshield while driving. After 365 days, they are eligible to move on to the next license class.


Once a new driver has passed a road test, they receive their class 5 driver’s license and a “G” decal for their windshield. In stage 2, new drivers are able to drive with more people in the car (as many people as there are seatbelts), but only one is permitted to be a non-family member. This stage lasts for another 365 days.


Stage 3 lasts another full year and shares some requirements with stage 2 (including displaying the “G” decal in the windshield), but drivers are now allowed to drive with as many passengers in the car as there are seatbelts. Drivers must maintain a BAC of 0.

What types of car insurance does PC Insurance offer in PEI?

To legally insure a vehicle in PEI, there are three primary types of coverage that must be included in your policy:

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    Third-party liability

    This mandatory coverage will provide coverage for you and/or the registered vehicle owner if you are found at-fault for an accident causing injury, death or property damage to a third-party.

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    Accident benefits

    Accident Benefits coverage will pay the ensuing medical treatment, income replacement and other necessary benefits for you and your passengers.

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    Uninsured automobile

    This auto insurance will provide coverage for any injuries you and your passengers sustain from an incident with an uninsured driver. And as long as the uninsured driver is at fault and identified, this coverage will also pay for the damages to your vehicle.

    These two types of car insurance are optional additions from PC insurance:

    Comprehensive: This insurance will not only provide coverage for you from perils such as fire, theft, or lightning, but it also pays for the ensuing costs from vandalism, falling or flying objects, and more.

    Collision & Upset: This coverage will pay for damage to your vehicle caused by a collision with another object – for example, if your vehicle hits a fence or guardrail, or flips over on the road.

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