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Rates.ca is Canada's premier destination for the best rates!

Access to great rates from the top brokers and financial institutions in Canada are just a few clicks away. We help match you with the products that best meet your needs while providing you with relevant information along the way to help you make an educated decision.

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Compare Ontario auto insurance rates today and start saving!

Compare Ontario auto insurance rates today and start saving!

Using Rates.ca is as simple as 1-2-3! To get accurate car insurance rates and start saving on your policy you will need to:

  1. Provide your vehicle information
  2. Provide your driving history
  3. Connect with the insurance provider whose car insurance rates you're interested in

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Introduction to car insurance in Ontario

Introduction to car insurance in Ontario

Car insurance is there to provide you with financial protection against traffic accidents and the resulting liability arising from damage to the vehicle, property, as well as injury/death. Car insurance can also provide coverage for theft or damage to your vehicle not necessarily caused by a traffic accident (i.e. fire). There are many types of coverages so having a general understanding of the various options at your disposal can be very beneficial. A licenced insurance broker/agent can also provide the needed guidance and help you choose the appropriate insurance coverage for you.

All the details pertaining to your automobile insurance can be found in the certificate of insurance policy. This document provides all the pertinent information such as the term of your policy and all the included coverages and respective limits.

Whether you're looking to buy a car, lease one or already have a vehicle, auto insurance is something that you should keep in mind. So do you have to insure your vehicle? It's a definitive yes! In order to drive a vehicle in Canada the law requires you to have valid auto insurance coverage. The risk of operating a vehicle without auto insurance is quite severe. If caught the party could face hefty fines, driver licence suspension, difficulty obtaining auto insurance in the future and vehicle impounding.

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Availability of the Rates.ca vehicle insurance service

Availability of the Rates.ca vehicle insurance service

Currently if you live in the province of Ontario and Alberta we are able to provide you online auto insurance quotes. Therefore, if you live in Toronto, Ottawa, Mississauga, Brampton, Hamilton, London, Oshawa, Etobicoke, Kitchener, Windsor, Calgary, Edmonton, Red Deer, Lethbridge or most other locations in the provinces of Ontario and Alberta we are able to offer you quick and easy car insurance quotes. We are, however, working hard on ensuring that our service becomes available in other provinces in the near future.

Compare Ontario auto insurance rates today and start saving!

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Car insurance rates

There are many factors that are taken into account by insurance companies when providing you with an insurance price quote.

Vehicle type

The type of vehicle you drive impacts the premiums you pay. Think of it this way. If you bought a sports car, are you more likely to speed? If so, does this increase the probability of you being involved in an accident? How much you drive will also affect your premiums which is why you are always asked to provide your approximate vehicle usage when filling out a form to obtain a car insurance rate. The more you drive the higher the chance that you could be involved in a motor vehicle accident.

Driving history

Individuals with a clean driving record would generally pay lower premiums relative to individuals with tickets and/or accidents on their record. Other factors such as the length of your driving history also matter.

Demographics

Where you live matters when calculating insurance premiums. Areas with higher occurrences of theft and collisions would result in higher premiums. Your age also has an effect on your coverage to the extent that if you are 25 years old or older you will generally pay much less to insure your vehicle. This is based on the notion that young new drivers are not as experienced and are therefore more likely to be involved in a traffic collision.

Coverage type

The larger the scope of the coverage and the higher the coverage limits you choose, the higher the premiums you will pay. The deductible, the portion that you must pay out of pocket as a result of a claim, is also important in the calculation of your insurance cost. The higher the deductible you choose the lower your automobile insurance premiums will be.

Discounts

Some insurance companies will provide you with discounts if you meet certain criteria. Discounts can range from winter tire discounts to multi-vehicle discounts. Every insurance company treats discounts differently, so make sure to inquire in order to take advantage of reduced premiums.

Recent car insurance quotes

Real savings from real Rates.ca shoppers

Shopper from PETAWAWA, ONTARIO
2018 MITSUBISHI TRUCK/VAN OUTLANDER ES 4DR AWD
Chieftain Insurance
$1848
per year
Dominion of Canada
$1877
per year
Wawanesa Mutual
$3674
per year
CAA Insurance
$3848
per year
Range of quotes $2000
Shopper from BURLINGTON, ONTARIO
2013 HONDA CIVIC EX 4DR
Dominion of Canada
$1102
per year
Chieftain Insurance
$1188
per year
Aviva Agency
$1548
per year
Pembridge Insurance Company
$1621
per year
Range of quotes $519
Shopper from CAMBRIDGE, ONTARIO
2017 HONDA ACCORD TOURING 4DR
Dominion of Canada
$1509
per year
Chieftain Insurance
$1644
per year
Pembridge Insurance Company
$1740
per year
Aviva Agency
$1857
per year
Range of quotes $348
Shopper from NEPEAN, ONTARIO
2012 FIAT 500 SPORT 2DR
Aviva
$1361
per year
Wawanesa Mutual
$1530
per year
Pembridge Insurance Company
$1695
per year
Gore
$1809
per year
Range of quotes $448
Updated Mar 24, 2019

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