Ontario Car Insurance Calculator

Calculate your auto insurance rates instantly.

How to get the best quotes with a car insurance calculator


Type in your postal code.

We'll calculate the best quotes for your area.


Tell us about your driving history

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


Choose the right coverage

Instantly compare the best quotes for you.

Get covered

Secure your rate and policy!

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

1. Tell us about your car

To get you the best car insurance rates, we’ll firstly need to know a few things about the kind of car you drive. Input your car’s model, make, year and average commute distance to get started. This will help us find the best quotes for your specific car.

Step 1 Car Insurance

2. Who are the drivers?

Are you the sole driver of this vehicle? Tell us about the primary driver(s) and their license information.

Step 2 Car Insurance

3. Tell us about your driving record

Let us know about your driving history. This includes any at-fault accidents, not at-fault accidents, tickets etc. Providing accurate information will help us get you the best car insurance quotes available.

Step 3 Car Insurance.png

4. Get your car insurance discounts

Now that we know the key information about the driver(s) and the vehicle, we can help you find car insurance discounts you’re eligible for. You may be eligible for a discount through union or membership affiliation. Bundling is also a great way to save. You can combine your auto and home or tenant insurance and save anywhere from 15-20 percent on car insurance.

Step 4 Car Insurance

5. See your rates

Explore car insurance rates and choose the one that fits your needs. We’ll connect you with the car insurance provider and help you secure your quote instantly.

Step 5 Car Insurance

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.

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

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