RBC Car Insurance Review (2026)
RBC Insurance: The basics
- Founded: 1960 (66 years in business)
- Parent company: Royal Bank of Canada
- Underwriting companies: Aviva General Insurance Company
- Website: www.rbcinsurance.com/en-ca/personal
- Phone number: 1-877-749-7224
- Availability: Nationwide
- Car insurance products: Car, motorcycle, motorhome, trailer, ATV, snowmobile, boat, collector car
What does RBC car insurance cover?
All RBC car insurance policies include coverage required by provincial law that pays for:
- Other drivers’ medical bills and vehicle repairs if you’re found at fault in an accident
- Your own legal costs if you’re sued due to an at-fault accident
- Medical, rehabilitation, attendant care, caregiver, and funeral costs for you and your family regardless of fault
- Income replacement regardless of fault
- Your own medical bills and vehicle repairs if you’re struck by an uninsured or unidentified at-fault driver
- Repairs to your vehicle if it’s damaged by an identified at-fault driver
* Standard accident benefits may change following an update to Ontario’s mandatory insurance laws in July 2026.
** Although it’s not required by provincial law, family protection is always included in RBC’s auto insurance policies.
*** DCPD coverage is no longer required by law in Ontario, but you must waive the coverage in writing if you choose to remove it from your policy.
Optional RBC car insurance coverages and endorsements
In addition to the core coverage required by provincial law, RBC offers the following optional and recommended coverages and endorsements:
* Claims-free years with previous insurers count towards your disappearing deductible.
Availability and eligibility of coverage options and endorsements may vary by location. Speak with an RBC advisor if you’d like to learn more.
RBC gives drivers the option to add their “Worry-Free Bundle” of four endorsements to their policy: Transportation replacement, liability for damage to non-owned automobiles, disappearing deductible, and accident rating waiver. It’s a convenient way to add RBC’s most popular and valuable add-ons to your coverage for less than you’d pay to add them each individually.
RBC car insurance discounts
RBC offers at least three distinct discounts for auto insurance:
- Home and auto bundling discount: RBC customers who bundle home and auto can save 10% on their car insurance premiums.
- Conviction free discount: If you’ve been conviction-free for at least three years, you may qualify for a discount.
- Winter tire discount: Customers who equip their vehicles with winter tires from December 1 to March 31 each year can earn a discount in Ontario.
This likely isn’t an exhaustive list of the car insurance discounts available from RBC; many insurers offer more discounts than they advertise publicly.
RBC’s usage-based insurance discount: Aviva Journey
RBC doesn’t have its own usage-based insurance discount program, but RBC auto insurance customers can enroll in Aviva Journey, the program offered by RBC’s underwriting partner.
- How it works: Aviva Journey uses GPS technology through your smartphone to track your driving in real time, offer safe driving tips, and assign a driving score that can raise or lower your auto insurance premium.
- What it tracks: Aviva Journey bases your safety score on acceleration, braking, speeding, cornering, and distracted driving events. It also collects data on road type, time of day, day of the week, and distance travelled, all of which are factored into your score.
- Activation discount: 10%
- Maximum discount: 20%
- Maximum potential penalty: 5%
How much does RBC car insurance cost?
On average, RBC customers pay $200/month for all perils coverage for a single car and driver, or $371/month for a household with two cars and two drivers.
Your actual car insurance quotes from RBC may be higher or lower than these averages based on underwriting factors, including:
- Location: Theft rates, weather patterns, and historic crash rates in your area can all impact what you’ll pay to insure a car there.
- Coverage limits: The more coverage you choose, the more you’ll pay. RBC’s standard packages are robust, so you may see higher initial quotes.
- Age: Younger drivers have less on-road experience and a higher risk of accidents, so they’ll pay higher premiums.
- Gender: In our analysis, RBC charged slightly higher premiums for women than for men.
- Vehicle: Your car’s age, make, model, condition, modifications, safety features, theft risk, and more can shape your premium.
- Driving history: If you have any at-fault accidents or driving violations in the last few years, you can expect your rate to reflect a higher risk.
RBC car insurance cost: Family quotes
RBC car insurance quotes for a married couple who own a 2021 Ford F-150 XLT SuperCrew 4WD and a 2019 Honda Civic Sport averaged between $371/month for basic all perils coverage and $450/month for high coverage with extensive endorsements.
Quotes for Brampton, Ontario brought up RBC’s average pricing significantly because Brampton is one of Canada’s leading auto theft hotspots, with over $43 million in theft claims in 2025 alone and a 565% increase in motor vehicle theft between 2017 and 2025 according to the Insurance Bureau of Canada. Because one of our sample vehicles—the Ford F-150—is a common theft target, quotes for this vehicle in Brampton are extremely high.
Other cities facing high auto theft rates and rising car insurance costs include Markham, Oakville, and Richmond Hill, all in the Greater Toronto Area.
RBC car insurance cost: Single-driver quotes
RBC car insurance quotes for a single 45-year-old male driver with a 2019 Honda Civic Sport averaged between $195/month for all perils coverage and $209/month for high coverage.
RBC car insurance quotes for a single 45-year-old female driver with a 2019 Honda Civic Sport averaged between $204/month for all perils coverage and $219/month for high coverage. That’s roughly $9.50 more per month than male drivers, or between 4% and 5% more overall.
Quotes for Brampton, Ontario brought up Intact’s average pricing significantly. This is because Brampton is one of Canada’s leading auto theft hotspots, with over $43 million in theft claims in 2025 alone and a 565% increase in motor vehicle theft between 2017 and 2025 according to the Insurance Bureau of Canada. Since one of our sample vehicles—the Ford F-150—is a common theft target, quotes for this vehicle in Brampton are extremely high.
Other cities facing high auto theft rates and rising car insurance costs include Markham, Oakville, and Richmond Hill, all in the Greater Toronto Area.
RBC car insurance cost: Quotes with a driving violation
RBC car insurance quotes for a married couple with a single minor speeding violation who own a 2021 Ford F-150 XLT SuperCrew 4WD and a 2019 Honda Civic Sport averaged between $403/month for all perils coverage and $489/month for high coverage.
If you receive a minor driving violation while insured with RBC, you could see your rate go up by an average of 6–12% at your next policy renewal.
The RBC car insurance claims process
If you need to file a car insurance claim with RBC, here’s what to expect.
- Submit your claim: Be ready to provide your policy number, a description of the incident leading to your claim, and any evidence available to you, including photos and videos of the damage to your car, if applicable, and a police report (if available).
- Choose your service provider(s): Whether you need vehicle repairs, medical care, or both following an accident, you’ll have the option to choose vendors from Aviva’s preferred network. You’re not required to stay within the Aviva network, however.
- Authorize repairs and pay your deductible: Once your claims advisor and service provider have settled on the amount of coverage, you can authorize repairs to the home and pay the portion of the cost that you’re responsible for (your deductible).
If you make a car insurance claim with RBC, you can expect your premium to go up, although the increase may be minor if your claim wasn’t associated with an at-fault accident.
You can file an auto claim with RBC by using the online claim submission form or by calling 1-800-769-2526. If you have a Rogers cell phone, you can file a claim by dialing #722.
RBC also offers confidential and anonymous claims advice if you’re not sure whether to file a claim and don’t want to skip impacting your policy. Simply call 1-866-953-8285 (Mon-Fri, 9am-5pm, ET) to speak with a claim expert without giving your name or policy number.
Is RBC good for claims?
We scoured Reddit for discussions of RBC’s claims service to see whether this carrier offers good outcomes for customers who need to make a claim.
RBC car insurance vs. other providers
Here’s how RBC compares to other major car insurance carriers in Canada.
* Average monthly premium for an all perils policy for two drivers and two vehicles.
Is RBC car insurance right for you?
RBC car insurance may be right for you if you’re eligible for a competitive rate on one of their standard coverage packages.
As a subsidiary of the Royal Bank of Canada and a partner of Aviva, RBC has excellent financial backing and a strong position in the Canadian insurance space. It may be a particularly good fit for younger drivers or anyone buying insurance for the first time thanks to its shopping tools, coverage explanations, and discounts.
FAQ: RBC car insurance
This article is for general information only and is not insurance or legal advice. Examples and any sample quotes or rate ranges are illustrative and do not constitute an offer or guarantee of coverage, price, or eligibility. Actual coverage, discounts, and premiums depend on your individual circumstances and the insurer provider; if there is any discrepancy, your policy and insurer documentation govern. For advice about your situation, speak with one of our licensed insurance professionals.