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Compare Car Insurance Rates in Ontario

Quickly and Easily

Looking to save on your auto insurance? Compare quotes from top Ontario providers in just minutes. It’s free, and you could save over 20%.

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Leading Providers

Don’t settle for the first quote you find. We’ll help you see rates from Ontario’s best auto insurance companies so you can choose what fits your needs and budget.

How It Works

Fast, Easy, and 100% Free!

We’ll start with a few questions about you and your vehicle. It’s simple, takes just 3 minutes, and your information is always kept confidential.

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View quotes from multiple Canadian insurance providers. No pressure, no fees—just transparent rates so you can make the best choice.

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Found the quote that’s right for you? Connect with a licensed broker to lock in your new Ontario auto insurance rate. You’ll be on the road with savings in no time.

Get the Best Rates for

Car Insurance in Ontario

Ontario drivers face some of the highest insurance premiums in Canada, with the average policy costing around $1,824 annually according to 2023 estimates from the Insurance Bureau of Canada. But with Ontario Insurance Quotes, finding a better deal is easier than ever.Our service is designed to help you discover competitive rates no matter where you live in the province. Start with your postal code, and in just three minutes, you’ll see personalized quotes from our network of trusted insurers.

Why pay more when you can pay less?

Let us help you find the right coverage at the right price.

Understanding

Auto Insurance Coverage in Ontario

Choosing the right auto insurance can feel overwhelming, but we make it simple. Here’s what you need to know:

Third-Party Liability Insurance

This is mandatory in Ontario and covers you if you’re found legally responsible for injuries or damages to other people or their property. It includes:

Bodily Injury
Covers medical expenses and compensation for pain and suffering.
Property Damage
Pays for repairs if you damage someone else’s property.
Legal Fees
Covers legal costs if you’re sued after an accident.
Minimum coverage required
$200,000.

Accident Benefits

Protect yourself and your passengers with coverage for medical expenses, rehabilitation, and more:

Up to $3,500 for minor injuries.
Up to $65,000 for more serious injuries.
Up to $1 million for catastrophic injuries.
Plus, coverage for caregiving, housekeeping, income replacement, and more.

Uninsured Vehicle Coverage

If you’re involved in an accident with an uninsured driver, this coverage ensures you and your family are protected, even in hit-and-run situations. It can also cover damage to your vehicle.

Optional Car Insurance Coverage

Customize Your Policy

Need extra peace of mind?
Here are some optional coverages you can add to your policy:

Direct Compensation
Property Damage (DCPD)

Covers your vehicle if the other driver is at fault. Even though DCPD is optional, many drivers keep it for added protection. Without it, you can’t recover costs from the other driver.

Collision Coverage

Pays for repairs or replacement of your vehicle if you’re in an accident where you’re at fault.

Comprehensive Coverage

Protects against theft, vandalism, and damage from weather events like hail, floods, and more.

All-Perils Coverage

A combination of collision and comprehensive, offering the broadest coverage for Ontario drivers.

Special Coverage

Types for Different Needs

Ride-Sharing Insurance
If you drive for a service like Uber or Lyft, make sure you’re properly covered. Ride-sharing insurance is crucial to protect you, your vehicle, and your passengers.

Usage-Based Insurance
Pay for how you drive! If you’re a safe driver or don’t drive often, a usage-based insurance plan could help lower your premium.

New Vehicle Replacement
Just bought a new car? Protect it from depreciation with new vehicle replacement coverage, so you can replace it with a brand-new model if the worst happens.

Loss of Use Coverage
Need a rental while your car is being repaired? This coverage ensures you stay on the move while your vehicle is in the shop.

Factors That Affect

Your Car Insurance Rates

Insurance companies use several factors to calculate your premium. Here’s what they look at:

Your Driving Experience
Experienced drivers typically pay less, while newer drivers might see higher premiums.
Your Driving Record
Accidents and tickets can increase your rates, while a clean record can help you save.
Your Age and Gender
Younger drivers, especially males, often pay more due to higher accident risk.
Where You Live
Your location can impact your rates—urban areas often have higher premiums due to more traffic and higher accident rates.
Your Vehicle
Cars with high safety ratings tend to cost less to insure, while luxury or high-powered vehicles may come with higher premiums.

Want to see how these factors affect your rate? Get started with a quote.

Ontario’s Auto Insurance System

What You Need to Know

Ontario follows a no-fault insurance system, which means that your insurance company takes care of your claims, no matter who caused the accident. This helps speed up the claims process, but it also means insurers still assess fault, which can affect your rates.

Legal Requirements
You must have third-party liability, accident benefits, and uninsured vehicle coverage.
Optional Add-ons
Include collision, comprehensive, and more to enhance your protection. Being without coverage isn’t just risky—it’s illegal. Fines start at $5,000, and repeat offenders can face even steeper penalties.

Auto Insurance for

Every Driver in Ontario

For Seniors
Drivers over 70 may see increased rates but can save by comparison shopping, bundling policies, and taking defensive driving courses.

For New Immigrants
Secure the right coverage after exchanging or earning your Ontario driver’s license.

For Students
Add student drivers to a parent’s policy for lower rates and great coverage.

For High-Risk Drivers
Coverage is available even for those with traffic violations or at-fault accidents. We can help you find options that work for your needs.

How to Save on

Auto Insurance in Ontario

Want to lower your rates? Here’s how:

Shop Around
We’ll show you rates from multiple insurers, so you can make an informed choice.
Buy Only What You Need
Avoid paying for unnecessary coverage.
Bundle Policies
Combine home and auto insurance for potential discounts.
Keep a Clean Record
Safe driving means lower premiums.
Enroll in Usage-Based Insurance
Pay based on your driving habits.

Rising Insurance Rates

What’s Behind the Increase?

Auto insurance rates in Ontario are on the rise due to factors like increased auto theft, higher repair costs, and ongoing supply chain challenges. With newer car technology requiring specialized repairs, insurance costs have surged in recent years. Stay informed and keep comparing to ensure you always get the best rate possible.

Get a quote

Compare quotes and get insurance

Compare quotes from top providers and find the best insurance coverage tailored to your needs. Get peace of mind and save on your insurance today!

Let's start with the basics.

What's your first name?

What's your last name?

What's your phone number? *

What's your email address? *

Don’t worry - We will only use your email address to save or send you a copy of your quote unless you sign up for more!

Tell me about the vehicle.

Vehicle year *

Vehicle financed or leased *

Vehicle purchase date *

Where is this vehicle parked overnight? *

How much do you drive?

Do you plan to or currently have any anti-theft devices installed? *

Carriers may offer a discount if you have certain anti-theft devices installed on your vehicle.

How many kilometres do you drive one way to work or school each day? *

How many kilometres do you drive in an average year? *

Your driving history.

How old are you? *

What type of driver’s license do you have right now? *

How old were you when you were first licensed in Canada? *

Your driving history.

How many at-fault accidents have you been involved in in the past nine years? *

How many traffic tickets (not including parking) have you received in the last three years?

How many years in a row have you had auto insurance in Canada? *

Let's talk coverage.

Do you want to insure your home and your vehicle?

Some insurance companies offer up to a 20% discount if you have more than one policy with the same insurer!

Do you have winter tires? *

Some insurance companies offer up to a 5% discount if all tires on your vehicle are changed seasonally during the winter season.

Final details.

What is your gender? *

What is your marital status? *

Which city do you live in? *

By providing my phone number and email, I agree to receive communication from Ontario Insurance Quote.

Frequently Asked Questions

How much does car insurance cost in Ontario?

The average policy costs around $1,824 per year, but this can vary based on your driving history, location, and the type of coverage you need.

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What’s the cheapest car insurance in Ontario?

There’s no one-size-fits-all provider. That’s why comparing quotes is key to finding the best rate for you.

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How do I get started with a quote?

Just enter a few details, and we’ll show you personalized rates in 3 minutes!

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Your trusted source for finding affordable auto insurance across Ontario.