What is a driver's abstract and why do I need it to get insurance in Canada?

A driver's abstract is an official record from your state's Department of Motor Vehicles (DMV) confirming your driving history — how long you have been licensed, your claims record, and any violations. Canadian insurance companies cannot access U.S. driving records directly. Without this document, you will be treated as a new or unknown driver in Canada, resulting in significantly higher premiums or declined placement. Providing a certified driver's abstract allows your Canadian broker to transfer your U.S. driving history and secure preferred rates from day one.

What is the difference between a driver's abstract and a Letter of Experience?

These are two different documents that do two different jobs. A driver's abstract is an official government record from your state DMV that proves how long you have been licensed and your driving history. A Letter of Experience is a separate document from your U.S. insurance broker or carrier confirming your insurance history — how many years you have been continuously insured, your claims record, and your policy details. Canadian insurers need both documents. The abstract proves you have been licensed; the letter proves you have been insured.

Can I request my U.S. driver's abstract after I arrive in Canada?

Yes, but it is strongly recommended to request it before you leave the United States. Processing times vary by state — some states issue records immediately online, while others take one to two weeks by mail. Requesting before departure ensures the document is available when you need it and avoids delays in placing your Canadian auto insurance coverage.

What is an International Driving Permit and do I need one to drive in Canada?

An International Driving Permit (IDP) is a certified translation of your U.S. driver's licence recognized in over 150 countries including Canada. Canadian insurers require it alongside your U.S. licence before listing you on a Canadian auto policy. Critically, an IDP can only be obtained inside the United States — in person at any AAA branch for $20 USD with same-day issuance. Once you cross the border, the in-person option closes permanently. The mail-in alternative takes five to seven weeks.

How long does it take to get a driver's abstract from a U.S. state DMV?

Processing times vary significantly by state. Many states offer immediate online access to driving records. Others require mail-in requests that can take one to two weeks. Some states, such as Nevada and South Dakota, require notarized forms submitted by mail. Check the specific requirements for your state using the guide on this page and factor the processing time into your pre-departure timeline.

I am moving to Ontario from the United States. What insurance do I need when I arrive?

When relocating to Ontario from the United States you will need auto insurance placed by a Canadian licensed broker, a home or tenant insurance policy for personal liability coverage, and — depending on your income and asset level — excess liability coverage above your primary policy limits. To be placed on a Canadian auto policy at preferred rates, you will need three pre-departure documents: an International Driving Permit (obtained at AAA before you leave the U.S.), a driver's abstract from your home state DMV, and a Letter of Experience from your U.S. insurance broker. Maverick Insurance Brokers specializes in placing coverage for U.S. arrivals in Ontario.

Does a U.S. driver's licence work in Canada?

A valid U.S. driver's licence allows you to drive in Canada as a visitor for a limited period. However, to be listed on a Canadian auto insurance policy, Canadian insurers require an International Driving Permit alongside your U.S. licence. Once you establish residency in Ontario, you will need to exchange your U.S. licence for an Ontario driver's licence within a set timeframe. Your Canadian insurance broker can advise you on the timing and requirements specific to your situation.

U.S. Driver Documentation

Driver’s Abstract by State

Before you can be placed on a Canadian auto policy, your broker needs your official U.S. driving record. Here is exactly where to get it depending on which state you were previously licensed in.

Request this before you leave the U.S. Processing times vary by state — some are immediate online, others take one to two weeks by mail. Factor this into your pre-departure timeline alongside your IDP and Letter of Experience.

Find your state

Alabama

Request through the Alabama Law Enforcement Agency website or visit your local DMV in person.

Driver’s Abstract by State

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