How much is car insurance in Ontario?

Ontario drivers pay an average of $1,500 to $2,000 annually for auto insurance–at least 50% more than other Canadians. Claims costs are also higher. Rates vary significantly by city, with averages as low as $1,000 in Kingston, Napanee, and Belleville, and climbing to $2,500 in some regions in the Greater Toronto Area.

Is there a seniors discount for car insurance?

Yes! A lot of insurance companies give huge discounts to seniors. If you’re over 55, you’ll probably have access to reduced rates.

Can I get a car insurance quote without a car?

You’ll need the year, make and model of the vehicle you want to buy for an accurate quote. If you’re car shopping and trying to decide between different makes and models, you can get a quote for each of them. But keep in mind that you can’t actually get insurance until you show proof of ownership.

Can car insurance prices change daily?

No, not in Ontario. Every insurance company that sells car insurance in Ontario needs to get approval from the provincial regulator, FSRA, whenever they want to change their rates. To steer clear of unpleasant rate increases on renewal, avoid tickets and at-fault accidents, make payments on time and always provide accurate info to your broker and insurance company.

What if I drive my car for business use, Uber or Lyft?

If you use your car, truck or van for business (including Uber) you’ll need special auto insurance. Learn more about ridesharing insurance

Is it cheaper to get car insurance through a broker?

This depends on your circumstances. In many instances, working with a broker for your car insurance can save you money. But that’s not always the case. Sometimes going with an agent or a direct writer may get you the best price.Car insurance rates are determined by many different factors that are unique to you, including where you live, your driving experience, the type of vehicle you’re insuring, if you’ve had tickets or at-fault accidents, and more. Insurance brokers work with multiple insurers to find clients different coverage options and rates. Using a brokerage that has partnered with a large number of insurance companies will give you a higher chance of finding the best price that’s out there for you. It will also save you a lot of time too.Learn more about the pros and cons of buying insurance from brokers, agents and direct writers.

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Q: How can I improve my driving record to save on insurance?

Having a good driving record makes a big difference when it comes to your insurance rates. Create safe practices like checking travel routes in advance and adjusting your driving for weather conditions. If you get a speeding ticket or have an at-fault accident, we’ll make sure it doesn’t stay on your driving record forever.

Q: Why do some cars cost more to insure than others?

Here are some reasons why certain cars are cheaper to insure than others:How well the car protects you in an accidentSafety features that may prevent accidentsHow often that type of vehicle is stolenCost of car repairs/replacement

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Auto Insurance in Canada: What’s Covered?

When you drive in Canada, you’re required to carry at least the mandatory minimum insurance coverage. Here’s what’s included:

Third-Party Liability

If you’re at fault in an accident, you could be held responsible for property damage or injuries to others. This coverage helps protect you against lawsuits, court settlements, and legal expenses. While the legal minimum is $200,000, we recommend $2 million for better protection.

Accident Benefits

This coverage pays for medical expenses that go beyond government health plans. It may include rehabilitation, attendant care, income replacement if you’re unable to work, and even the cost of a substitute caregiver for children or elderly family members.

Direct Compensation – Property Damage (DC-PD)

If another driver is at fault in a collision, this coverage pays to repair your vehicle—without a deductible. It can also cover items inside your car as well as the cost of a rental vehicle while yours is being repaired.

Uninsured Automobile Coverage

If you’re involved in a crash with a driver who doesn’t have insurance, this coverage ensures you can still recover damages—whether through court or settlement. It also protects you in the case of a hit-and-run.

Auto Insurance in Canada: Optional Coverages

In addition to mandatory coverage, we strongly recommend considering the following options for greater protection:

Collision Coverage

Helps pay to repair or replace your vehicle if it’s damaged in an accident. For a small additional premium, you can also add loss of use coverage, which covers the cost of a rental car while yours is being repaired.

Comprehensive Coverage

Protects your vehicle against risks other than accidents, such as theft, fire, vandalism, extreme weather, or even flying debris on the road.

Increased Coverage Limits

Gives you the option to raise your limits for liability and accident benefits, including medical expenses, rehabilitation, attendant care, income replacement, and even death and funeral benefits.

Need Special Coverage?

Classic Car Insurance

Own a vintage car you drive only on special occasions? Get tailored protection and enjoy significant savings.

Learn more about classic car insurance

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EV Insurance

Drive electric? Save money while supporting a cleaner planet. Coverage can also include your home charging equipment.

Learn more about EV insurance

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High-Risk Auto Insurance

Even with a challenging driving record, you still have options. We work with top Canadian insurers to help you save both time and money.

Learn more about high-risk auto insurance

Pay-As-You-Go Insurance

Drive less than 12,000 km a year? You could cut your auto insurance costs by up to 70%.

Learn more about pay-as-you-go insurance

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RHD Vehicle Insurance

Right-hand drive cars need special protection, and we provide affordable coverage designed for your needs.

Learn more about RHD insurance

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RV Insurance

Protect your home on wheels with standalone RV coverage—or save up to 30% by bundling your RV with auto and home insurance.

Learn more about RV insurance

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Rideshare Insurance

If you’re driving passengers for pay, you need specialized coverage. We’ve got you covered.

Learn more about rideshare insurance

Frequently Asked Questions About Auto Insurance

Here are answers to some of the most common questions drivers ask about auto insurance in Canada.

How much is car insurance in Canada?

On average, Canadian drivers spend between $1,500 and $2,000 annually on auto insurance. Rates vary by region, vehicle type, and personal driving history. In some areas premiums may be lower, while in major urban centres they can climb significantly higher.

How can I improve my driving record to save on insurance?

A clean driving record can lower your premiums. Build safe habits like planning your routes, adjusting for weather conditions, and following speed limits. If you do receive a ticket or have an at-fault accident, these won’t remain on your record forever—and improving your driving can help reduce future costs.

Why do some cars cost more to insure than others?

The cost of insuring a vehicle depends on several factors, such as:

How well the car protects occupants in an accident
Safety features that may prevent collisions
Theft rates for that specific make and model
Cost of repairs or replacement

Is there a seniors’ discount for auto insurance?

Yes. Many insurance companies offer discounts for drivers aged 55 and older, making coverage more affordable for seniors.

Can I get a car insurance quote without owning a car?

You’ll need the year, make, and model of the vehicle you plan to purchase in order to receive an accurate quote. If you’re still shopping, you can request quotes for multiple vehicles to compare potential costs. However, you can’t finalize insurance until you show proof of ownership.

Do auto insurance prices change daily?

No. Insurance companies in Canada require regulatory approval before adjusting their rates. To avoid increases at renewal, keep a clean driving record, pay on time, and always provide accurate information to your broker or insurer.

What if I use my car for business, Uber, or Lyft?

If you drive for business or ridesharing purposes, you’ll need specialized coverage. Standard auto insurance typically won’t apply in these cases.

Is it cheaper to buy car insurance through a broker?

It depends. Brokers can often save you money because they compare offers from multiple insurers. However, in some cases, going directly through an agent or insurer may result in a better deal.

Insurance rates are based on many personal factors, including location, driving history, vehicle type, and past claims. Working with a brokerage that partners with a wide range of insurance companies gives you more options and can save you time as well as money.

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