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We compare rates from Canada's top providers, including:

Car insurance in Ontario.

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Car insurance rates in Ontario are among the highest in the country.

We can help you find a better rate.

We understand why Ontarians can end up paying high car insurance rates, and, we'll help you avoid being one of them.

Our licensed brokers will work one-on-one with you, customizing your policy so that you're only paying for the coverages you need, nothing more. 

Why pay more? We've shopped the market so you don't have to.

Get a quote and give us a call today to start saving: 1-855-754-0350.

 

 

 
 
 

How does it work?

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Enter your information – it takes less than three minutes.
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Get up to 10 quotes for car insurance in Ontario.
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Secure your rate by talking to a licensed broker.
 
 

How to find affordable auto insurance online in Ontario.

Car insurance rates in Ontario have been increasing steadily since the beginning of 2018, according to the Financial Services Commission of Ontario which tracks rate changes on a quarterly basis.

The most recent data reflects that in the fourth quarter of 2019, the average approved rate for auto insurance in Ontario increased by 1.56% compared to a 2.6% increase in the third quarter.

Quarter Rate change
2019 Q4 (Oct. 1 - Dec. 31) +1.56%
2019 Q3 (Jul. 1 - Sep. 30) +2.60%
2019 Q2 (Apr. 1 - Jun. 30) +1.99%
2019 Q1 (Jan. 1 - Mar. 31) +2.70%
2018 Q4 (Oct.1 - Dec. 31) +3.35%
2018 Q3 (Jul. 1 - Sep. 30) +2.06%
2018 Q2 (Apr. 1 - Jun. 30) +1.1%
2018 Q1 (Jan. 1 - Mar. 31) +2.23%
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While politicians have suggested they’ll pass legislation for more affordable car insurance in Ontario, so far, no changes have been made law.

To help consumers reduce their Ontario car insurance costs, we recommend the following steps:

  1. Compare your options by securing an estimate for car insurance in Ontario with our free, online quote tool.
  2. Pay your premiums on time to keep your account in good standing.
  3. Continue driving safely, avoiding any infractions under Ontario’s Highway Traffic Act.
  4. Insure each of your vehicles with the same company.
  5. Consider bundling your insurance so that a single company holds other forms of your insurance such as your home insurance.
 
 
 

Why work with us?

We've helped thousands of Canadians save millions of dollars.

Our brokers have the tools and experience to help you secure the best car insurance in Ontario at the cheapest rate.

To start saving today, get a quote and give us a call: 1-855-754-0350.

 
 
 
 

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1-855-754-0350.
 
 
 

Car insurance types in Ontario.

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All drivers in Ontario are required, by law, to have car insurance.

At a minimum, Ontario drivers must hold:

Third party liability coverage - Covers costs if you’re sued for damaging someone else’s vehicle.

Third Party Liability (which consists of Bodily Injury and Property Damage coverage) also covers you for the amount you are legally liable for if someone else is injured or killed.

Drivers in Ontario must have automobile insurance with minimum third party liability coverage of $200,000 in order to register their vehicles.

Accident benefits - Provides coverage for the insured person(s), if they are injured or killed in a car accident.

Uninsured Automobile coverage - Mandatory coverage which kicks in in the event the insured person(s) is injured or is killed by an uninsured or hit and run driver.

It also provides coverage for damage to the insured’s car and its contents as a result of damage from an identified uninsured motorist.

Direct Compensation Property Damage coverage (DCPD) - This coverage has no deductible and sets you up so that your own insurance company will cover damage costs to your vehicle and its contents, but only if you’re not at fault.

Vehicle insurance in Ontario can be customized with additional coverages such as those listed below.

Each has a deductible that apply in the event of a claim:

Collision: Covers car replacement or repair costs if your car is damaged in a collision and you’re at fault.

Comprehensive: Covers damage by debris, earthquake, explosions, theft, vandalism and weather events.

Specified perils: Covers damage for perils covered in your Ontario auto insurance policy such as attempted theft, damage in transport, earthquake, explosions, fire, lightning, riots or windstorm, but only the ones you specify.

All perils: Covers many perils, can be described as a hybrid between collision and comprehensive.

 
 

Frequently Asked Questions about car insurance in Ontario.

How does car insurance work in Ontario?

Ontario has a no-fault car insurance system.

This means that your car insurance company will handle your claim, regardless of whether you caused an accident.

The term ‘no fault’ can cause some confusion.

It's still relevant which driver is at fault for causing a collision.

If you’re found at fault, the collision will be reflected on your record and your premiums may increase.

Is car insurance mandatory in Ontario?

Yes, car insurance in Ontario is mandatory.

Anyone found driving without insurance in Ontario is subject to a fine of between $5,000 and $50,000.

You may also be deemed a ‘high risk driver’ which could lead to an increase in your premiums.

What specific type of car insurance is mandatory in Ontario?

By law, Ontario drivers must have car insurance, though, they can customize their plans beyond the minimum legally required coverage.

A basic insurance policy in Ontario includes third-party liability, accident benefits and direct compensation-property damage coverage (DCPD).

How much does car insurance cost in Ontario?

For residents of Ontario seeking affordable car insurance, we recommend the use of our free, online quote tool to compare car insurance quotes.

Key factors affecting car insurance Ontario include your:

Age and gender

Claims history

Coverage type and the amount of coverage you purchase

Driving experience

Vehicle type

What you use your vehicle for

What is no-fault insurance?

Ontario has a no-fault car insurance system. This means that your car insurance company will handle your claim, regardless of whether you caused an accident.

The no-fault insurance system was designed to help speed up the rate at which claims were paid out, regardless of any ongoing lawsuit following a collision.

The term ‘no fault’ can cause some confusion with some people incorrectly assuming that it's irrelevant to an insurance company what, or who, caused a collision.

If you’re found at fault, the collision will be reflected on your record and your premiums may increase.

The opposite of no-fault insurance is full-tort insurance – sometimes known in Ontario as ‘at fault insurance’.

Which car has the cheapest insurance in Ontario?

In general, high-performance luxury cars are more expensive to insure compared to cars that are designed first and foremost for safety.

A driver’s profile also significantly impacts insurance rates. Young men with no driving experience tend to have the highest premiums.

Some of the key factors which impact how cheap a car is to insure include:

Repair and replacement costs : Low cost repair and replacement will translate to lower premiums.

Safety rating : A higher safety rating means the insurance premium is likely to be lower.

Theft : Cars that aren't popular among thieves may be less expensive to insure.

Vehicle age : Newer cars with lower repair costs may be cheaper to insure.

Vehicle use : Family cars, which attract experienced, cautious drivers, have lower premiums than high-performance luxury cars

Who has the best insurance rates in Ontario?

The best car insurance rate in Ontario will vary between drivers.

Key factors affecting car insurance rate in Ontario include:

Your driving experience

Your claims history

Vehicle type

What you use your vehicle for

Your age and gender

Coverage type

Speak to one of our licensed brokers to review the quotes you received from our free, online quote tool.

By updating some of the information you initially provided, a car insurance broker in Ontario may be able to further bring down your rate.

Give us a call, today: 1-855-297-4370 .

Is it safe to buy car insurance online in Ontario?

Yes, absolutely. Getting a quote online is the best way for how to get cheap car insurance in Ontario.

We've helped thousands of Canadians save millions of dollars.

Our online quote tool is free and takes about three minutes to produce up to 10 quotes from car insurance companies from across Ontario.

After getting a quote, it's often helpful to connect with one of our licensed brokers to find out if you’re eligible for additional savings.