Is Car Insurance Considered a Utility Bill?

3 minutes can save you hundreds. Enter your postal code below and join thousands of Canadians saving on car insurance.

Secure. No Spam. No Fees.

Why You Can Trust MyChoice

MyChoice serves as an independent intermediary between you, financial institutions and licensed professionals without any additional charge to our users. In the interest of transparency, we disclose that we partner with some of the providers we write about – we also list many financial services without any financial gain. MyChoice does not operate a financial institution or brokerage and to ensure accuracy, our content is reviewed by licensed professionals. Our unique position means that we hold no recurring stake in your policy, ensuring our mission to help Canadians make better financial decisions is free of bias or discrimination. 

Updated on July 17, 2023

1 minute read

What is a Utility Bill?

A utility bill is any bill that arrives at your house on a monthly basis for utilities. Of course, the real question is this: what are utilities? Utilities are, generally speaking, those services that are essential for running a household. These include electricity, gas, water, garbage disposal, sewerage, and internet services.

Utility bills are often used as a way to verify someone’s identity and address. Why? Because utilities deliver a service to a given address, and any bill delivered to a person will be delivered to that particular address. This means that utility bills connect a person’s identity to their residential address.

Is Car Insurance Considered a Utility Bill in Canada?

No. Car insurance isn’t a service that helps keep your home running normally, so it isn’t considered a utility. Often, car insurance is put in a separate category under “vehicle expenses,” along with car repairs, fuel, and routine maintenance.

Car insurance bills are also different from utility bills in how they are paid. Utility bills are usually fixed monthly payment plans. Car insurance bills can vary in their terms: some policies are paid monthly, others are paid annually. Utility bills will also fluctuate monthly depending on your usage, while car insurance bills typically remain the same for the policy term.

Congratulations! You made it to the end!

Now, here is the easy part: complete your quote in under 2 minutes

Discover More About

September 15, 2025
OPCF 28 and 28A can limit a high-risk driver’s access to your car to lower insurance rates. Learn more about how you use these documents.
September 2, 2025
Comprehensive car insurance protects you from many risks that may damage your car. Learn more about this optional coverage.
August 20, 2025
Canada is cracking down on auto insurance fraud. Learn how the Fraud Reporting Service Rule helps fight staged accidents, fake claims, and rising premiums.

Even More Ways To Save on Insurance