In general, it is possible to pay for car insurance with a credit card in Canada. However, the specific rules and regulations can vary depending on the province and the insurance company.

Here is an overview of the rules regarding paying for car insurance with a credit card in each province:

1. Alberta: Many insurance companies in Alberta accept credit card payments for car insurance. However, some may charge a processing fee for credit card payments.
2. British Columbia: In British Columbia, car insurance is provided by the government-run Insurance Corporation of British Columbia (ICBC). While ICBC accepts credit card payments for some types of transactions, such as renewals and cancellations, it does not currently allow credit card payments for car insurance premiums.
3. Manitoba: Manitoba Public Insurance (MPI) is the sole provider of car insurance in Manitoba. MPI does accept credit card payments for car insurance premiums.
4. New Brunswick: Car insurance in New Brunswick is provided by private insurance companies. Most insurance companies in New Brunswick accept credit card payments for car insurance, but some may charge a processing fee.
5. Newfoundland and Labrador: Private insurance companies provide car insurance in Newfoundland and Labrador. Many of these companies accept credit card payments for car insurance premiums.
6. Nova Scotia: Private insurance companies provide car insurance in Nova Scotia. Most of these companies accept credit card payments for car insurance, but some may charge a processing fee.
7. Ontario: Private insurance companies provide car insurance in Ontario. Most of these companies accept credit card payments for car insurance, but some may charge a processing fee.
8. Prince Edward Island: Private insurance companies provide car insurance in Prince Edward Island. Most of these companies accept credit card payments for car insurance premiums.
9. Quebec: Car insurance in Quebec is provided by private insurance companies. Most of these companies accept credit card payments for car insurance, but some may charge a processing fee.
10. Saskatchewan: Saskatchewan Government Insurance (SGI) is the sole provider of car insurance in Saskatchewan. SGI accepts credit card payments for car insurance premiums.

Check with your insurance company to determine whether they accept credit card payments for car insurance, as well as any potential processing fees or other requirements.

Pros of paying car insurance with a credit card

There are several potential benefits to paying for car insurance with a credit card:

1. Rewards and points: Many credit cards offer rewards programs that allow you to earn points or cash back on your purchases, including your car insurance premiums. This can help you earn valuable rewards while also paying for your car insurance.
2. Convenience: Paying for car insurance with a credit card can be more convenient than paying by check or other methods, especially if you have automatic payments set up. You can also track your payments and view your billing history online.
3. Security: Credit cards offer more protection against fraud than other payment methods. If your credit card is used fraudulently, you can typically dispute the charge and have it removed from your account.
4. Cash flow management: Paying for car insurance with a credit card can help you manage your cash flow, especially if you have a rewards credit card that offers a grace period for paying your balance in full. This can help you free up cash for other expenses or investments.

Cons of paying car insurance with a credit card

While there are potential benefits to paying for car insurance with a credit card, there are also some potential drawbacks to consider:

1. High interest rates: If you don’t pay off your credit card balance in full each month, you may end up paying high interest rates on your car insurance premiums. This can add up over time and make your car insurance more expensive than if you paid in full upfront.
2. Fees: Some insurance companies may charge a processing fee for credit card payments, which can add to the cost of your car insurance premiums. Additionally, if you use a credit card that charges an annual fee, you may be paying more than you would with another payment method.
3. Credit score impact: If you carry a high balance on your credit card or miss a payment, it can negatively impact your credit score. This can make it harder to qualify for credit in the future, including car loans and other types of insurance.
4. Temptation to overspend: Using a credit card to pay for car insurance may make it easier to overspend or rely on credit for other expenses. This can lead to a cycle of debt and financial stress.

Top 10 Best Credit Cards to Pay Car Insurance in Canada

Here are the top 10 credit cards in Canada for paying car insurance:

1. Scotiabank Gold American Express Card – This card offers 4x points on eligible gas, groceries, dining and entertainment purchases, and 1x point on all other purchases. It also comes with travel insurance and car rental insurance.
2. TD Cash Back Visa Infinite Card – This card offers 3% cash back on gas, groceries, and recurring bills (including insurance), and 1% cash back on all other purchases. It also comes with travel insurance and car rental insurance.
3. BMO World Elite Mastercard – This card offers 3 BMO Rewards points for every $1 spent on eligible travel, dining and entertainment purchases, and 2 BMO Rewards points for every $1 spent on all other purchases. It also comes with travel insurance and car rental insurance.
4. American Express Cobalt Card – This card offers 5x points on eligible eats and drinks, including groceries and restaurants, and 2x points on eligible travel and transit, including gas purchases. It also comes with travel insurance and car rental insurance.
5. CIBC Dividend Visa Infinite Card – This card offers 4% cash back on gas and groceries, 2% cash back on Tim Hortons and TELUS purchases, and 1% cash back on all other purchases. It also comes with travel insurance and car rental insurance.
6. RBC Cash Back Mastercard – This card offers 2% cash back on gas, groceries, and drugstore purchases, and 1% cash back on all other purchases. It also comes with car rental insurance.
7. Tangerine Money-Back Credit Card – This card offers 2% cash back on up to 3 categories of your choice (including gas, groceries, and recurring bills), and 0.5% cash back on all other purchases. It does not come with travel insurance or car rental insurance.
8. SimplyCash Preferred Card from American Express – This card offers 2% cash back on all purchases, with no limit to the amount of cash back you can earn. It also comes with car rental insurance.
9. PC Financial World Elite Mastercard – This card offers 3% cash back on eligible grocery purchases, including at participating stores under the PC Optimum program, and 1% cash back on all other purchases. It does not come with travel insurance or car rental insurance.
10. Desjardins Odyssey World Elite Mastercard – This card offers 3 points for every $1 spent on eligible gas, grocery, and restaurant purchases, and 1 point for every $1 spent on all other purchases. It also comes with travel insurance and car rental insurance.