Car Insurance Ontario: Get free quotes online for 2024
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Looking for car insurance in Ontario? You've come to the right place.
In this guide, we take you through everything you need to know: from mandatory coverage and optional add-ons to how you can find the cheapest car insurance Ontario plans.
Use our free tool to compare the best Ontario car insurance quotes from Canada's top providers and find top deals and discounts right here.
Car Insurance Ontario: Key Takeaways
- The average car insurance Ontario cost is approximately $1,598 per year.
- Mandatory coverage includes liability and accident benefits.
- Optional coverage protects assets beyond basic liability.
- New drivers face higher rates, averaging $3,000-$7,000 per year.
- Compare quotes from multiple providers to get the cheapest car insurance Ontario plans.
How does car insurance work in Ontario?
Car insurance in Ontario is mandatory and is provided through private insurers. Here's a brief overview of how it works:
- Mandatory Coverage: Ontario drivers must have four types of mandatory insurance coverage:
- Liability Insurance: Covers damage you cause to others or their property.
- Accident Benefits: Provides benefits if you are injured, regardless of who caused the accident.
- Uninsured Automobile Insurance: Protects you if you're involved in an accident with an uninsured driver or a hit-and-run.
- Direct Compensation-Property Damage (DCPD): Covers damage to your car and its contents in the case of a no-fault accident, meaning your insurer pays regardless of who caused the accident.
- Optional Coverage: Many drivers opt for additional liability coverage beyond the minimum, often up to $2 million, due to the high costs associated with serious accidents.
Good to know
Driving without car insurance in Ontario can result in penalties. If caught, you could face fines ranging from $5,000 to $25,000 for a first offence, and even higher for subsequent offences. Additionally, you could have your driver's license suspended, your vehicle impounded, and face increased insurance premiums in the future.
How much is car insurance in Ontario?
Ontario is the second-most expensive province for car insurance in Canada coming in second only to British Columbia’s car insurance rates. The average cost of car insurance in Ontario is estimated at $1,528. That works out to $127.33 per month.
For example
Depending on where you live in Ontario, your rates could be much higher or lower than that:
- In 2021, Vaughn was the highest at $2,179.
- Toronto, Mississauga and Brampton came in right around the average at $1,953, $1,971 and $1,976 respectively.
However, averages only tell us how relatively expensive or inexpensive rates are in a given area. You will need to get a personalized car insurance quote that considers your vehicle and profile to know how much car insurance will cost you.
Car Insurance Quotes Ontario
Our team pulled a few sample quotes from two popular insurers to demonstrate how much things can change from person to person.
- In the table below, driver A in Brampton got a quote for more than twice driver B in London Ontario. Coverage is similar except that driver A has a new vehicle that she's financing, single and added a waiver for depreciation.
| Driver | Female, 32, Single | Female, 32, Married |
|---|---|---|
| Vehicle | 2022 Toyota Rav4 LE 4DR AWD | 2012 HYUNDAI TUCSON GL 4DR 2WD |
| Location | Brampton, Ontario | London, Ontario |
| Drives | 15,000km per year | 10,000km per year |
| Coverage |
|
|
| Monthly premium | $372.75 | $170.34 |
| Cost per year | $4,473 | $2,044.08 |
How to get the Cheapest Car Insurance Ontario plans?
Here are the top feasible tips to lower your premiums and get the cheapest car insurance in Ontario.
- Tip 1: Ask for discounts. You may qualify for a lower rate just for being a university alumnus or working for a specific company.
- Tip 2: Raise your deductible. While a $500 deductible sounds better than one that's $1,000, it is not always the case. You can come out ahead with the higher deductible because the savings will make up the difference after just a couple of years.
- Tip 3: Park off the street. Parking in a garage is less risky for your car and the insurer. It saves you money.
- Tip 4: Get that car alarm. Installing approved security features can help lower your premiums.
- Tip 5: Maintain a good driving record. Demerit points, previous claims and accidents will drive up your future rates.
- Tip 6: Install a telematics app. Driving with your insurance company's mobile app can save you as much as 25%. It records your speed and how hard you brake and accelerate to determine your insurance rate.
- Tip 7: Pay in full. Paying annually instead of monthly will usually earn you a discount.
- Tip 8: Bundle home and auto insurance. Add a home insurance policy or multiple vehicles under the same household to save up to 15% on bundling discounts.
Finally, the best way to save and get the cheapest car insurance Ontario rates is to compare! You can do that right here using our free tool below or at the top of this page. It's free to use and completely online. Get multiple quotes from the best providers in minutes.
Compare Canada's best car insurance plans
Cheap Car Insurance Quotes Ontario
When you request a car insurance quote from providers, you will typically need to share the following information:
- The vehicle’s make and model
- Your VIN (vehicle identification number)
- Your Social Insurance Number
- Driver’s license
- Your previous insurance (if any)
Good to know
Insurers may ask you who else will drive the vehicle, where you’ll regularly drive and how much. They will look at your driving record. Demerit points, speeding tickets, previous accidents and insurance gaps will mean higher quotes.
When purchasing insurance it is important to compare because companies sometimes give very different rates. You should consider if you want to add collision or upset and comprehensive coverage in addition to the mandatory insurance.
Beyond that, there are many endorsements to enhance your car insurance policy. If you have a new vehicle you might like a waiver of depreciation which reimburses you for the purchase value of your new vehicle if it is declared a total loss in the first 24 months you have it. We will discuss the add-ons later in this article.
What is the best car insurance in Ontario?
Determining the best car insurance Ontario plan depends on your unique needs, driving background, and priorities in choosing an insurance provider. However, the following are the top 10 car insurance companies in Ontario that offer diverse coverage options, great customer service, and easy policy management. We've also added other popular choices in the table below.
| Car insurance companies in Ontario | Key Features | Best for | Our Rating | Personalized Quote |
|---|---|---|---|---|
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| Best for users looking for multiple options to choose from and affordable premiums | 4.9/5 | Get a free quote now |
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| Policyholders with problematic driving records | 4.8/5 | Get a free quote now |
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| Best for those looking for customized car insurance coverage and innovative support services | 4.8/5 | Get a free quote now |
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| Best for young drivers under the age of 25 | 4.8/5 | Get a free quote now |
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| Customers seeking flexibility and various discount options | 4.7/5 | Get a free quote now |
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| Best for customers looking for cheap car insurance Ontario options with streamlined claims process | 4.7/5 | Get a free quote now |
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| Drivers facing coverage challenges | 4.7/5 | Get a free quote now |
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| Ride-sharing service users and discount seekers | 4.6/5 | Get a free quote now |
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| Users desiring quick, online policy services | 4.6/5 | Get a free quote now |
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| Individuals seeking tailored insurance options | 4.5/5 | Get a free quote now |
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| Users seeking multiple quotes from top insurers | 4/5 | Get a free quote now |
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| Customers valuing community-driven service | 3.5/5 | Consult the Co-operators' website for a quote |
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| Customers seeking feature-rich auto insurance | 4/5 | Consult Allstate's website for a quote |
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| Individuals seeking online policy management | 4/5 | Consult Onlia's website for a quote |
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| Policyholders in need of emergency assistance services | 3.75/5 | Consult RBC's website for a quote |
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| Customers seeking distinct coverage add-ons | 4/5 | Consult Desjardins' website for a quote |
To find the cheapest car insurance in Ontario, you must compare quotes. Use our free tool at the top of this page to get quotes from some of the top 10 car insurance companies in Ontario and other popular providers right here in no time.
Car insurance Ontario: What are the optional coverages?
Beyond what is required, car insurance companies also offer optional coverage and endorsements. While mandatory coverage primarily covers medical needs and a driver’s liability to others, optional coverages offer greater protection for one’s vehicle and finances.
Here’s how the most common optional coverages work:
| Insurance type | What it covers |
|---|---|
| Collision or Upset | Collision or Upset is coverage for when a vehicle hits an object or other vehicle. |
| Specified perils | Specified perils policies cover specifically selected risks or perils. Examples include theft, vandalism and damage from flood, hail, wind and fire. It is like an à la carte selection for the desired protection. |
| Comprehensive car insurance Ontario | Comprehensive car insurance covers all perils and collision insurance. |
Endorsements include add-ons like accident forgiveness, a waiver of depreciation, family protection coverage, loss of vehicle use coverage and rate increase protection if you commit a minor traffic violation. They may make sense for you depending on your financial situation, risk profile and the value of your vehicle
Good to know
Not sure what options to pick? Your broker or agent will be able to help you weigh cost savings and the additional protection of endorsements. Or simply do it yourself using the HelloSafe comparator at the top of this page to customize plans and get the cheapest car insurance Ontario quotes based on your unique needs.
What is the minimum car insurance required in Ontario?
The Financial Services Commission of Ontario regulates car insurance policies in the province. It requires drivers and insurers to meet the following insurance minimums:
| Benefit | Minimum |
|---|---|
| Third-party liability | $200,000 |
| Attendant care, medical and rehabilitation for minor injuries | $3,500 |
| Attendant care, medical and rehabilitation for non-catastrophic injuries | $65,000 |
| Attendant care, medical and rehabilitation for catastrophic injuries | $1 million |
With that said, we don’t recommend getting the lowest car insurance policy. Automobile accidents can easily exceed these amounts. Should you be in an accident that causes more than $200,000 in property damage and you only have a policy that covers the mandatory minimum, you could be liable to pay costs beyond that. It’s not hard to imagine a situation that costs more than that.
Example of why you need more than minimum coverage
For example
Philip is driving in on the 401 at the end of a long day at work. Traffic is heavy and he’s tailgating the car in front of him. When traffic stops suddenly, he doesn’t have time to break. He rear-ends the vehicle in front of him starting a chain reaction that also damages the two cars in front of the one he struck.
Fortunately, no one is seriously injured, but his insurance determines that he is 100% at fault for the collision. He’s damaged three vehicles, not including his own. Two are considered a total loss and the third requires serious repairs.
Philip’s mandatory third-party liability insurance covers the damage up to $200,000, but Philip is required to cover what is left out of pocket. To make matters worse, he doesn’t have comprehensive coverage, so the insurance won’t pay to replace his vehicle.
In some ways, Philip came away lucky in the accident above. If someone in the cars in front of him were to have suffered a catastrophic injury he could be in more serious legal and financial jeopardy.
Can you get classic car insurance in Ontario?
Yes, you can. Classic car insurance in Ontario is a specialized type of coverage designed for vehicles that are considered vintage or collector's items. These policies typically offer unique features tailored to the needs of classic car owners, such as agreed or guaranteed value coverage, which ensures that the car is insured for its full appraised value in case of a total loss.
Additionally, classic car insurance Ontario plans may include flexible usage restrictions, allowing owners to participate in events like car shows or exhibitions. Unlike standard auto insurance, classic car insurance often takes into account the appreciation of the vehicle's value over time.
However, there are typically eligibility criteria that must be met to qualify for classic car insurance, such as the vehicle's age, condition, and limited annual mileage. Here are the main features of classic car insurance in Ontario.
- Agreed or Guaranteed Value Coverage: Ensures the vehicle is insured for its full appraised value.
- Flexible Usage Restrictions: Allows owners to participate in events like car shows.
- Consideration of Appreciation: Takes into account the appreciation of the vehicle's value over time.
- Eligibility Criteria: Certain requirements such as the vehicle's age, condition, and limited annual mileage must be met to qualify for classic car insurance.
What is high-risk car insurance in Ontario?
High-risk car insurance in Ontario is for drivers who have a history that insurance companies consider riskier than average. For instance, if someone has multiple traffic violations, accidents, or a DUI conviction, they may be categorized as high-risk.
Imagine a driver who has been in two accidents and has several speeding tickets on their record. When this driver applies for car insurance, insurance companies may see them as a higher risk to insure because of their past behaviour on the road.
As a result, the driver may have difficulty finding coverage with traditional insurance companies and may need to seek out specialized high-risk insurance providers. These policies often come with higher premiums to offset the increased risk for the insurer.
Check out our guide on high-risk car insurance for more information.
How to cancel Ontario car insurance?
To cancel your Ontario car insurance, contact your insurance provider directly and inform them of your decision. Request and complete any necessary cancellation forms they provide. Ensure you have new insurance coverage in place if you plan to continue driving, as driving uninsured is illegal. Finally, confirm the cancellation and check if there are any refunds or cancellation fees.
Be aware that most car insurance policies in Ontario run for a year. If you cancel during that year you may have to pay a cancellation fee. Some drivers will prefer to wait to replace their insurance until their policy expires to save.
How to file a car insurance claim in Ontario?
To file a car insurance claim in Ontario, immediately inform your insurance company about the accident. Provide all necessary details and documentation, including photos and a police report if applicable. Complete and submit the required OCF forms for processing.
What is OCF?
In Ontario, if you're involved in a car accident and need to file an insurance claim, you'll likely use specific forms known as OCF (Ontario Claims Forms). These forms are standardized and regulated by the Financial Services Regulatory Authority of Ontario (FSRA).
They are designed to streamline the claims process by providing a consistent format for submitting the necessary information about the accident and any resulting injuries or damages.
These forms help in documenting the details required for your insurance provider to process your claim, including medical benefits, loss of income, and other related expenses due to the accident.
Download the OCF auto insurance claim forms
For your convenience, here are the most requested forms:
- OCF-1: Application for Accident Benefits
- OCF-2: Employer's Confirmation Form
- OCF-3: Disability Certificate
- OCF-5: Permission to Disclose Health Information
- OCF-23: Treatment Confirmation Form
Car Insurance Ontario: FAQS
Do you need insurance to drive someone else's car in Ontario?
Yes, generally speaking, you need insurance to drive someone else's car in Ontario. However, there are exceptions. If you are borrowing the car occasionally and have the owner's permission, their insurance policy may cover you.
But if you're driving the car regularly or for an extended period, it's wise to have your insurance or be added as a listed driver on the owner's policy to ensure you're fully covered in case of an accident. Always check with the owner and their insurance company to confirm coverage before driving someone else's car.
How much is car insurance per month in Ontario?
The average cost of car insurance in Ontario is approximately $127.33 per month. This is based on the average annual cost of car insurance in the province, which was estimated at $1,528.
Which car has the cheapest insurance in Ontario?
In Ontario, cars that generally have lower insurance rates include models known for safety, reliability, and lower repair costs. Some of the cars often cited for cheaper insurance include the Honda Civic, Toyota Corolla, Hyundai Elantra, Mazda3, and Volkswagen Golf.
These models are favoured due to their good safety records and cost-effectiveness. It's important to note that these are subject to change as new models come out and safety and theft statistics update.
What do I need to get car insurance in Ontario?
To get car insurance in Ontario, you need to be at least 16 years of age and require the following:
- Driver's License
- Vehicle Information
- Personal Information (Name, Address, etc.)
- Driving History
- Insurance History (if applicable)
- Payment Method (for premiums)
Who can drive my car under my insurance in Ontario?
In Ontario, your car insurance covers the vehicle, not just the driver. This means anyone with your permission and a valid driver's license can legally drive your car. For example, if you let your friend borrow your car and they have an accident, your insurance will cover the damages, but this may affect your future premiums.
Things to remember:
- Ensure the driver has your permission and a valid license.
- Regular users of your car should be added to your policy.
- Check with your insurer for any specific restrictions or requirements.
Why is car insurance so expensive in Ontario?
Car insurance in Ontario is notably expensive due to several key factors:
- High Population Density: More vehicles on the road in areas like the Greater Toronto Area increase the likelihood of accidents and claims.
- Insurance Fraud: High levels of fraud, including staged accidents and false claims, inflate costs for insurers, which get passed to consumers.
- Expensive Legal and Repair Costs: The legal system can lead to costly settlements, and modern vehicles with advanced technology are more expensive to repair.
- Regulatory Environment: Ontario's regulations demand high minimum coverage limits ($200,000 for third-party liability), increasing the base cost of policies.
Why did my car insurance go up for no reason in Ontario?
Here are some reasons why your car insurance premium might have increased:
- Legislative Changes: New laws or regulations may require more coverage.
- Local Claim Rates: More claims in your area can increase risks and rates.
- Insurer Losses: If your insurer has had significant losses, they may raise premiums to recover.
- Repair and Medical Costs: Rising costs for vehicle repairs and medical care can lead to higher premiums.
- Credit Score: Note, that credit scores do not impact insurance rates in Ontario.
- Vehicle Aging: Older vehicles might cost more to insure due to increased failure risks.
- Administrative Adjustments: Changes in the insurer's administrative costs or risk assessments can affect premiums.
Good to know
If your premium has increased significantly, it's advisable to contact your insurer for an explanation or consider comparing rates from other providers.
How much is commercial car insurance in Ontario?
In Ontario, commercial car insurance typically costs:
- Light commercial vehicles (cars, vans): $1,000–$1,500 per year.
- Trucks and heavy machinery: $2,000–$5,000+ per year.
These costs vary based on factors like the type and use of the vehicle, the industry, driving history, coverage level, location, and the number of vehicles and drivers insured.
How much is car insurance in Ontario for a new driver?
Insuring a young driver in Ontario can be very expensive. Drivers under 25 years old can expect to pay much more than older, more experienced drivers. The car insurance broker Surex puts the number at an eyewatering $3,000 to $7,000 per year. New drivers are more expensive to insure because they’re statistically more likely to claim due to the lack of driving history and experience.
Luckily, there are a few ways for young drivers to get cheap car insurance Ontario rates:
- Being listed as a secondary driver on a parent or partner’s policy is cheaper than being the primary driver on your own.
- Passing a driving safety class can knock 15-20% off your insurance rates. The Ontario Ministry of Transportation maintains a list of government-approved driving schools.
- Get a full G driver's license as soon as possible.
- Maintaining a clean driving record.
- Full-time students may be eligible for a discount for getting good grades.
- Drive a safer and less expensive vehicle. A five-year-old Toyota Corolla will almost certainly cost less than a brand new 2-door sporty coupe or luxury SUV.
How much does your car insurance go up after an accident in Ontario?
The amount your car insurance goes up after an accident in Ontario can vary widely depending on factors such as the severity of the accident, your driving history, the provider, and your policy. On average, it could increase by 20-30%, but it could be higher or lower depending on these variables.
How long does it take to get car insurance in Ontario?
Getting car insurance in Ontario is fast and easy. You can fill in an application online with an insurance provider like Onlia, pay and be ready to drive in half an hour. Calling or visiting an insurer or broker is similarly quick. You'll be able to come out of a meeting with insurance that same day.
Expert advice
Be sure to have your driver's license, vehicle identification number and payment information on hand to expedite the process.
However, the easiest way to get car insurance in Ontario is by using our free HelloSafe tool. Compare free quotes and get your policy today, online.
All our guides on car insurance in Ontario
- Compare Car Insurance in Thunder Bay: Get Free Quotes Online
- Cheap Hamilton Car Insurance Quotes: Compare and Save Today
- Cheap Mississauga Car Insurance Quotes 2024
- Compare Kingston Car Insurance Quotes Online 2024
- Compare Barrie Car Insurance Quotes Online, Free
- Car Insurance Brampton: Compare Free Quotes Online
- Car Insurance Toronto: Compare free quotes for 2024
- Download the OCF-5 Permission to Disclose Health Information
- Download OCF-3 Disability Certificate for 2024 + tips to fill out
- OCF 23 Treatment Confirmation Form 2024 | Download Free PDF
- Download the OCF-2 Employer's Confirmation Form 2024
- Download the OCF-1 Form for Accident Benefits 2024
- [Road Safety] Distracted driving deaths up 36% in two years in Ontario
- [Auto] Vehicle thefts rose by 88% in just two years in Ontario
