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A car insurance calculator helps you find the best coverage for your car and any optional coverage you may want to add to your policy. It also lets you know about any select discounts you may be eligible to receive. The RATESDOTCA Car Insurance Coverage Calculator finds the best type of auto insurance coverage for you.
Please note that your auto insurance rate depends on your personal driving profile, which includes:
Insurance type | Mandatory coverage | Optional/Additional coverage |
---|---|---|
Third-Party Liability | $200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. | Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit. |
Direct Compensation-Property Damage (DC-PD) | Covers damage to your car, or loss of use of your vehicle, if someone else is at fault. Must involve another insured vehicle. | For additional vehicle coverage including for when you are at-fault, consider collision coverage. |
Uninsured Automobile Insurance | Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. | Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist. |
Statutory Accident Benefits | Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP. Income Replacement Benefits: Basic weekly income replacement of 70% of your gross income up to $400/wk. Medical, Rehabilitation and Attendant Care Benefits: Up to $65,000 for serious injuries, and $1 million for catastrophic injuries. Caregiver Benefits: Up to $250 per week for the first dependent, and $50 per week for each dependent after that. Housekeeping and Home Maintenance Expenses: Maximum payout $100 per week. Death and Funeral Benefits: Up to $25,000 is provided to your spouse, $10,000 for each dependent, and up to $6,000 in funeral costs in the event you are killed in an automobile accident. |
Coverage limits can be increased. |
Collision Coverage (Also Upset Coverage) | Optional | Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property. |
Comprehensive Coverage | Optional | Covers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism. |
Specified Perils Coverage | Optional | Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and also other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc. |
All-Perils Coverage | Optional | Combines collision/upset and comprehensive coverage. Also provides additional protection if a household member or an employee steals your vehicle. |
OPCF 20: Coverage for Transportation Replacement | Optional | Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen. |
OPCF 27: Liability for Damage to Non-Owned Automobile(s) | Optional | Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000. |
OPCF 39: Accident Waiver/Forgiveness | Optional | Protect your premium from rising when you have your first at-fault accident. |
OPCF 43: Waiver of Depreciation | Optional | Protects you by removing your insurer's right to deduct depreciation from the value of your vehicle when settling a claim. This coverage is for new vehicles with fewer than 5,000 kilometres. |
OPCF 44R: Family Protection Coverage | Optional | Protects you if you or a family member is injured, regardless of whether you or your family members are in the car when the accident occurs |
Answer a few basic questions about your car, your driving & insurance history.
See quotes from 50+ insurance companies side by side.
Find the right protection for your vehicle.
Connect with the provider and secure your rate.
Drivers living in Ontario are accustomed to the "no-fault" car insurance system. Simply, if you are involved in an accident, and you are injured or your car is damaged, you will have to deal with your own insurance company, no matter who is at fault for the collision. You do not have to go after the at-fault driver for compensation.
If you are legally responsible for an accident, then you are also legally responsible for all the damages. If you are uninsured, you’ll be charged with driving without insurance, and you may be fined.
Your driver's license can also be suspended until you repay the amount owing. This makes it important to ensure that you have adequate auto insurance coverage that protects you and your loved ones in the event of an accident. Compare the best car insurance quotes instantly.
While choosing your car insurance policy, be aware of the different kinds of options. Different providers may offer different you endorsements (add-ons/changes) to meet your needs.
The different types of car insurance coverage you can choose from are:
If you reside in Ontario, then you should know about the "no-fault" car insurance system, which means that if you are injured or your car suffers from damages, then you will have to deal with your own insurance company, no matter who is at fault for the collision. You do not have to go after the at-fault driver for compensation.
If you are legally responsible for an accident, then you are also legally responsible for all the damages. If you are uninsured, you’ll be charged with driving without insurance, and you may be fined.
Your driver's license can also be suspended until you repay the amount owing. This makes it important to ensure that you have adequate auto insurance coverage that protects you and your loved ones in the event of an accident. Compare the best car insurance quotes instantly.
Drivers in Ontario have a variety of options to help reduce their car insurance. One of the first and best ways is to visit RATESDOTCA and compare rates from the top providers in your area. It’s simple to use, provides quitck estimates and is free.
Beyond that there are other ways, which include:
Apart from securing the coverage you require, it is always up to you to decide what additional coverage you want to add to your policy. The car insurance calculator can show you rates for your chosen coverage, helping you get the custom coverage you desire!
You can change your car insurance coverage for a variety of reasons, such as:
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