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Car insurance in Prince Edward Island: what is compulsory and where to buy it

How car insurance works in Prince Edward Island: public or private model, the compulsory coverage and the proof you need to register a vehicle, from the official pages.

Compulsory insurance and where to buy it

Private insurance, compulsory: owners must carry third-party liability, accident benefits and uninsured/unidentified motorist coverage; an archived copy of the Insurance Act gives a $200,000 minimum liability per accident: confirm the current figure. Registering requires the liability insurance card (and an inspection by a certified mechanic at renewal). The Island Regulatory and Appeals Commission (IRAC) regulates auto insurance.

Official page ↗

Minimum liability limits are the legal floor: most drivers buy more. Some figures come from older handbooks or archived copies of the law, as noted: confirm with the registry or regulator before relying on them. Your premium depends on your record, vehicle and territory, and shopping around is allowed where insurance is private. Rules, fees and programs change and were read on 2026-11-14: confirm with the official source. General information, not legal advice. Quebec follows its own rules: see atlasquebec.ca.

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