icon

Ontario Car Insurance Calculator

Get an estimate on your car insurance rates instantly.

Compare car insurance quotes from companies across Canada

CAA
Onlia_new.png
Pembridge_new.png
Economical
Travellers

What is a car insurance calculator?

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:

  • Your area of residence
  • How far and often you drive
  • Your driving record and insurance history
  • The insurance company’s claims policy

How to use our car insurance calculator?

  • Tell us about your car

    If you want to the best insurance estimates from RATESDOTCA you can start by providing information about your car. First you input the model of your car, the make and year. Also add the average commute distance you drive.

Ontario car insurance calculator step 1.PNG

  • Who are the drivers?

    Then we need to know who the primary drivers of your car are. Are you the sole driver or do others us it as well. Please add their license information.

Ontario car insurance calculator step 2.PNG

  • Tell us about your driving record

    Part of getting your estimate correct is understanding an accurate account of your driving history. We’ll need to know your at-fault accidents, not at-fault accidents, speeding tickets etc.

Ontario car insurance calculator step 3.PNG

  • Get your car insurance discounts

    The good news is that getting accurate information about you and your driving history helps us provide any eligible car insurance discounts you may qualify for. For example, bundling auto and home insurance can help save you from about 15 to 20 per cent on car insurance. Being part of a union or membership affiliation can also help you save money.

Ontario car insurance calculator step 4.PNG

  • See your rates Once all that information has been added, you will be able to see your insurance estimates and select the one that suits you best. At RATESDOTCA we’ll connect you with the car insurance provider and help you secure your quote instantly.

Recent Ontario Auto Insurance Quotes

Recent Auto Insurance Quote from BRANTFORD, ONTARIO
Female, Age 43
2011 MITSUBISHI OUTLANDER GT V6 4DR 4WD
February 22, 2024
Cheapest Quote
$ 244 / month
$2,925 / year
Average Quote
$ 338 / month
$4,060 / year
Savings
$ 95 / month
$1,135 / year
or
27.96 %
Recent Auto Insurance Quote from BRANTFORD, ONTARIO
Male, Age 37
2020 TOYOTA RAV4 LE 4DR 2WD
February 22, 2024
Cheapest Quote
$ 225 / month
$2,697 / year
Average Quote
$ 354 / month
$4,252 / year
Savings
$ 130 / month
$1,555 / year
or
36.57 %
Recent Auto Insurance Quote from BRANTFORD, ONTARIO
Male, Age 35
2021 NISSAN ROGUE SV 4DR AWD
February 22, 2024
Cheapest Quote
$ 136 / month
$1,633 / year
Average Quote
$ 389 / month
$4,673 / year
Savings
$ 253 / month
$3,040 / year
or
65.05 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Mandatory and optional auto insurance coverages in Ontario

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

How to get the best quotes in Ontario with a car insurance calculator

Car

Tell us about your vehicle

Answer a few basic questions about your car, your driving & insurance history.

CompareQuotes

Compare your quotes

See quotes from 50+ insurance companies side by side.

ClickHere

Choose the right coverage

Find the right protection for your vehicle.

SecureRate

Secure your rate

Connect with the provider and secure your rate.

Customizing your car insurance coverage

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.

The right coverage for you

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:

  1. Standard coverage: Standard car insurance has comprehensive and collision coverage, but no endorsements.
  2. Enhanced coverage: Enhanced coverage includes comprehensive, collision insurance and endorsements including loss of use, rental car insurance, and depreciation waiver coverage.
  3. Custom coverage: When you choose custom coverage, you can easily customize your car insurance policy.

Ontario’s no-fault auto insurance system

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.

Car insurance discounts available in Ontario

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:

  • Bundling – By bundling other insurance products with your auto insurance (like home), you are able to receive discounts of between 15 and 20 per cent. Your insurance company appreciates the business and passes administrative savings to you.
  • Winter Tires – Although Ontario has not mandated winter tires as a legal requirement (the way some provinces have), insurance companies will offer a discount for using them. They reduce risk in winter weather and can help you avoid accidents.
  • Professional Group/Alumni Associations – Are you a member of a union? Did you graduate from university or college, are you a senior? Many car insurance companies in Ontario offer discounts to members of such associations or groups. Talk to your provider to see if you are eligible.
  • Usage-based insurance – Participating in insurance programs that are usage-based or use telematics to monitor your driving can help you save money. Good habits are rewarded and typically offer a 10 per cent discounts when you sign up, and as much as 30 per cent at renewal time.
  • Deductibles – Increasing your deductible takes risk away from your Ontario auto insurance provider. That risk reduction can help you save money.
  • Drive safely – A clean driving record can help you keep rates low.
  • Security – Installation of an alarm of anti-theft device will reduce the risk of your car being stole and may save you money.
  • Pay upfront – Auto insurance companies in Ontario give discounts to clients that pay in full rather than in monthly or quarterly installments. The reduction is administrative costs is passed onto consumers.

Customizing your car insurance coverage

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:

  • When you move
  • When you get married
  • When you purchase a new vehicle
  • When you add a new driver (spouse, G1/G2 driver)
  • When you remove a driver
  • When you retire
  • When you change your job

Latest auto insurance articles

What divorce means for your insurance
Separation and divorce hold many unknowns. For many families, insurance is one area of uncertainty.
3 mins read
Auto insurance outlook for 2024
Heading into 2024, elevated inflation and rate increases means higher auto insurance premiums for customers. Here's what else we can expect in 2024.
5 mins read
What happens to your car insurance if your car is recalled?
You finally bought your dream car, but soon after there’s a vehicle recall. What should you do, and how does it impact your insurance rates?
5 mins read

Subscribe to our newsletter

Stay on top of our latest offers, relevant news and tips!

Thanks for joining!

You'll be hearing from us shortly - stay tuned.