Cheap Ontario Car Insurance Quotes
Ontario drivers save $877* on average by comparing car insurance quotes on RATESDOTCA.
Compare car insurance quotes with other top providers in Ontario
On this page:
- Car insurance in Ontario
- Ontario car insurance rates and regulations
- How to file a car insurance claim in Ontario
- What it means to be 'at fault' in Ontario
- What's the average cost of car insurance in Ontario?
- Factors that determine the cost of your Ontario car insurance premium
- Mandatory and optional auto insurance in Ontario
- How to get Ontario car insurance quotes on Rates.ca
- Frequently asked questions about car insurance in Ontario
- How to get the cheapest car insurance in Ontario
- Rising car thefts in Ontario: Protect your wheels and secure affordable coverage
- Rates.ca Annual Best Auto Insurance Study 2025
- Complete ranking of car insurance premiums by Ontario city
- Ontario car insurance premiums by age cohort
- Ontario's average car insurance rate (2012-2023)
- Ontario car insurance rates: trends to know for 2025
- Find the best Ontario car insurance on Rates.ca
Content Manager
Car insurance in Ontario
Car owners in Ontario are required by law to have car insurance.
Car insurance ensures that you and your vehicle are financially protected in the event of vehicle damage or personal injury.
Ontario also operates under a no-fault insurance system, which means drivers always file damage and injury claims with their insurance company – never through the insurance company of any other party involved, no matter who is at fault for an accident.
“This process is intended to speed up the claims process and prevents the need for consumers to use the court system to privately sue in the event of a loss.” - Mariah Etten, registered insurance broker (RIBO ID: 53409).
Ontario car insurance rates and regulations
In Ontario, auto insurance is regulated by the Financial Services Regulatory Authority of Ontario (FSRA), an agency of the Ministry of Finance.
FSRA oversees all insurance regulations in Ontario and can approve or decline rate change requests. Car insurance providers apply to increase or decrease their rates throughout the year. If an insurer pays more claims within a fiscal year due to car accidents, they will likely apply for permission to raise rates to help offset their costs.
Ontario auto insurance is privatized, meaning you buy a policy from a private company rather than a government body. FSRA's approved quarterly changes show how often rates fluctuate, making comparing quotes and finding the lowest rate essential.
Car insurance agents and brokers also must follow the Take-All-Comers rule: it mandates that they must provide coverage to any driver that meets their acceptability criteria and that they must be offered the lowest price possible for the risk they pose.
However, an insurance company can still decline to give you coverage, if you fall outside their level of acceptable risk.
In that case, you may need to approach a car insurance company that specializes insuring high-risk drivers (there are a few companies like this in Ontario) or use Facility Insurance. The latter is a fund, pooled by insurance companies operating in Ontario, that provides coverage to drivers who can’t get coverage anywhere else.
“With auto insurance being mandatory in Ontario, the Take-All-Comers requirement is one that insurance providers are obligated to abide by to ensure a fair and consistent result for all consumers.” - Taylor Girard, registered insurance broker (RIBO ID: 54202).
How to file a car insurance claim in Ontario
When filing an auto insurance claim in Ontario, include as many of the following as possible:
- Your auto insurance policy number
- Your licence number
- Your vehicle information, such as make, model and year
- A description of the event
- A description of the damage or injury, including photos if possible
- A list of the passengers present at the time of the incident
- A list of drivers involved, along with their licence numbers and insurance providers
- The badge number of the police officer if one is called to the scene
Make sure you file as soon as possible. Your claim could be denied if you don't file it within a week. Once your claim is filed, you will be contacted by a claims adjustor to discuss your case and determine your eligibility and the amount you may be entitled to. If an at-fault driver is uninsured, your claim will be processed through the uninsured automobile portion of your policy.
What it means to be 'at fault' in Ontario
Being at fault means you have been deemed responsible for damage or injury by your insurance company. A driving event, like a collision, can have multiple at-fault motorists.
If you are found to be 50% or more at fault for a claim, the event will go on your insurance record. Having an at-fault accident on your record may cause your premiums to increase, though some insurance providers offer accident forgiveness, which permits one accident before premiums are raised.
What's the average cost of car insurance in Ontario?
Here’s how car insurance costs stack up in Ontario, according to different sources:
- The Financial Services Regulatory Association of Ontario (FSRA) estimates the average Ontario car insurance premium to be $2,006 annually or $167.67 monthly as of October 2024.
- Rates.ca Auto Insuramap data from 2023 shows that the average Ontario car insurance premium is $1,744 annually or $145 monthly.
- According to the General Insurance Statistical Agency, Ontario drivers paid an average of $1,743 annually for car insurance or $145.22 per month in 2023.
While the numbers differ slightly, one thing is certain: driving in Ontario can cost close to $2,000 a year. To save money, don’t settle for the first car insurance quote you get. In fact, the FSRA advises shopping around to find a better rate.
Factors that determine the cost of your Ontario car insurance premium
The average cost of car insurance in Ontario is high, but individual rates vary by driver. Numerous factors contribute to the cost of a car insurance policy and insurance companies all have a slightly different approach to rating customers. However, they key factors listed below are considered by all insurers and have the greatest impact on your premium.
The make and model of your vehicle
The cost to repair your vehicle affects your premiums. Your vehicle's safety rating, driving features and the statistical likelihood of being stolen also contribute. You can save big by selecting a vehicle that is cheap to insure.
Your driving record
Your claims history and driving record are major contributors. The number of speeding tickets, driving convictions and at-fault accidents you've had will all influence how much you pay for insurance.
Your driving experience
Another major contributing factor are your claims history and driving record.
Insurers in Canada typically grant a conviction-free discount to drivers who have maintained a clean driving record for a certain period. After your first minor conviction, insurers will remove the conviction-free discount.
The number of speeding tickets, driving convictions and at-fault accidents you've had will all influence how much you pay for insurance. “You could see a rate increase of 10-25% on your premiums each year for the next three years.” - Allan Wilson, registered insurance broker (RIBO ID: 45886).
Location, location, location
Your city, and even your postal code, affects your premium. You'll pay more if you live somewhere with a high rate of theft, fraud or accidents. Usually (but not always), car insurance costs more in larger cities. “Certain postal codes have been pinpointed due to claims frequency and severity.” - X-anthia Martin, registered insurance broker (RIBO ID: 51958).
How often you use the vehicle
The number of kilometres you drive in a year affects the cost of car insurance in Ontario. The more you drive, the more likely you'll make a claim and the more you'll pay. If you use your vehicle only sparingly, consider a pay-as-you-go policy.
The coverage you have
Ontario has mandatory and optional auto insurance coverages. If you select coverages beyond the minimum requirement, you'll pay more for protection. See the mandatory and optional types of car insurance in Ontario.
Your discount eligibility
Ontario car insurance may be expensive, but there are numerous opportunities to save. Your age, occupation and alumni are all potential sources of discounts. Ask your insurance provider what discounts you're eligible for to ensure you don't overpay.
Additional drivers
A policy that includes secondary drivers will expand your vehicle's coverage, but it also means you'll pay more.
Whether you bundle your insurance
Bundling insurance, such as home and car, is an easy way to save anywhere from 5%-15% on your premiums.
Mandatory and optional auto insurance 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. |
| 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. | 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. |
| Direct Compensation-Property Damage (DC-PD) | Optional | DCPD is a standard coverage, but drivers in Ontario can opt to remove it. It covers damage to your car, or loss of use of your vehicle, if someone else is at fault. It must have involved another insured vehicle. Removing DCPD coverage disqualifies you from these benefits and you cannot sue for vehicle damage, either. |
| 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 |
| OPCF 49: Agreement Not to Recover for Loss or Damage from an Automobile Collision | Optional | Removes DCPD coverage from your insurance policy. |
Recent auto insurance quotes in Ontario
Recent auto Insurance Quote from North york, Ontario
Male, 27 years old
2017 TOYOTA TACOMA ACCESS CAB 4WD
July 19, 2025
Cheapest Quote
$ 578 / month
$ 6,936 / yearAverage Quote
$ 752 / month
$ 9,026 / yearSavings
$ 174 / month
$ 2,090 / year
23 %
Recent auto Insurance Quote from East york, Ontario
Male, 33 years old
2021 NISSAN ROGUE SV 4DR 2WD
July 19, 2025
Cheapest Quote
$ 363 / month
$ 4,361 / yearAverage Quote
$ 470 / month
$ 5,644 / yearSavings
$ 107 / month
$ 1,283 / year
23 %
Recent auto Insurance Quote from Gloucester, Ontario
Male, 43 years old
2006 PONTIAC VIBE WAGON
July 19, 2025
Cheapest Quote
$ 83 / month
$ 999 / yearAverage Quote
$ 296 / month
$ 3,551 / yearSavings
$ 213 / month
$ 2,552 / year
72 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
How to get Ontario car insurance quotes on Rates.ca
Ready to compare quotes and save?
Tell us about your vehicle
Answer a few basic questions about your car, your driving & insurance history.
Compare your quotes
See quotes from 50+ insurance companies side by side.
Choose the right coverage
Find the right protection for your vehicle.
Secure your rate
Connect with the provider and secure your rate.
What people say about our quotes
Based on 6,450 reviews
Quick and painless
Quick and painless
Elaine
Easy Peasy!!
Ratesdotca made it so easy to find travel insurance. I love one stop shopping!
Donna Ross
Was easy to apply and didn't take long
Was easy to apply and didn't take long. Prices were amazing as well. Received an email confirmation immediately after applying for.
Shaun
Fast efficient and fair
Quick quotes. Great rates. Easy to process
Trinity
Comparing Travel Insurance …
This was the only site I could find that allowed me to compare different travel insurance options. I particularly liked the ability to look at sample documents.
Toronto
Amazing
Very helpful and easy to use
Safe travels
Easy quick selection of rates
Easy quick selection of rates
J K
Great help in finding the best rate!
Great help in finding the best rate! Thanks a lot!
Ruthielyn opina
I like how I can quickly I can select…
I like how I can quickly I can select travel insurance. The web site had an issue earlier but seemed to correct itself.
Dennis
Frequently asked questions about car insurance in Ontario
Have more questions about car insurance? We answer them here.
Why should Ontario drivers compare car insurance rates?
Insurance companies use similar rating factors to determine your quote but evaluate risk differently. This results in different prices for the same coverage. As a result, provincial regulators, like FSRA, recommend shopping around and getting multiple quotes before you purchase a policy. It's the easiest way to ensure you get the best rate available.
Which city in Ontario has the cheapest car insurance?
According to data from the Rates.ca Insuramap, Cloyne, located in Eastern Ontario in the Greater Napanee area, has the cheapest auto insurance in Ontario; the average auto insurance premium is $546 per year.
Several other locales have average premiums that are in the hundreds of dollars. Most are in Northern and Northwestern Ontario, including Summer Beaver, Dryden, and Keewatin (all tied at $586 per year). Kapuskasing's average premium is $888 per year. Chesley, which is in Southwestern Ontario, averages out at $894.
Generally, car insurance rates trend below the provincial average the further away from urbanized areas you get. For example, cities like Toronto and Brampton have some of the highest insurance rates in the province. In contrast, small towns are relatively cheap.
Which city has the most expensive car insurance in Ontario?
According to data from the Rates.ca Insuramap, the Ontario cities with the highest car insurance premiums are all in the GTA.
Brampton has the highest overall premium at $2,707 annually. Toronto is second ($2,325), followed by Mississauga ($2,311), Richmond Hill ($2,188), and Vaughan ($2,158).
Collisions occur more frequently in the GTA, meaning insurance companies pay more claims to customers. The high premiums represent the increased cost of doing business here.
Which car has the cheapest insurance in Ontario?
If you’ve ever wondered whether the car you pick affects your insurance rates, the answer is yes, it absolutely does. Insurance companies pour resources into developing models that help them accurately predict how much it costs to repair and replace each car model on the road.
So, which cars are the cheapest to insure in Ontario?
To find out, we determined which cars were the most popular with Canadians in 2024. Next, we compared quotes for a 36-year-old male driver from Toronto. Our persona had no convictions or tickets and lived in the west-end postal code of M6H.
One of the most-searched used cars was the Ford Mustang. The lowest annual premium for this model was $3,130, beating out the Honda Civic ($3,751) and the Toyota Corolla ($3,299).
There are a few explanations for why the Mustang came out on top for affordability. Sports or muscle cars are generally used as secondary leisure vehicles, meaning owners don’t drive them as frequently as utilitarian models like Toyota or Honda.
Sports cars are also less desirable on the black market, whereas economy cars are frequently targeted due to high demand for their parts. The Honda Civic is one of the most stolen vehicles in Canada, which is part of the reason it is slightly more expensive to insure.
Finally, older drivers are more likely to own sports cars. Younger, inexperienced drivers are more likely to own an all-purpose car, which drives up insurance premiums for that class of car.
Surprisingly, some models of pickup trucks and SUVs have lower insurance rates than compact vehicles.
A 2020 Ford F-150 pickup carries an annual premium of $2,657, while a Toyota Rav4 SUV from the same year costs $2,723 to insure annually.
According to the Insurance Institute for Highway Safety, pickup trucks and SUVs are some of the safest on the road. They are more crashworthy, meaning they offer better protection for occupants when involved in a collision. Insurance companies also associate larger vehicles with safe driving, as they’re often the go-to choice for young families. In turn, this keeps their rates low.
How does your car compare? Check out our complete rankings of the cars that are cheapest to insure in Ontario in 2024, including an analysis of cars by price, body segment, and overall popularity.
What do statutory accident benefits cover?
Statutory accident benefits provide coverage if you are injured in an automobile accident, regardless of who is at fault. This helps cover the costs of medical expenses, including physiotherapy and rehabilitation costs that OHIP doesn't pay. This coverage is mandatory in Ontario and included in a standard auto insurance policy, however the Ontario government proposed making some accident benefits option in the 2024 budget. If passed, the changes are expected to be implemented by 2026.
Here is a more detailed breakdown of what statutory accident benefits cover:
- Income Replacement Benefits: Weekly replacement of 70% of your gross income up to $400 per week.
- Medical, Rehabilitation and Attendant Care Benefits: Up to $65,000 for serious injuries like sprains and broken bones, and $1 million for catastrophic injuries like loss of limb, paralysis, etc.
- Caregiver Benefits: Up to $250 per week for the first dependant and $50 per week for each additional dependant for catastrophic injuries.
- Housekeeping and Home Maintenance Expenses: Maximum of up to $100 payout per week in the case of a catastrophic injury.
- Death and Funeral Benefits: Up to $25,000 payout to the spouse, $10,000 for each dependent, and a maximum of $6,000 in funeral costs.
Additional protection is available for purchase on top of the minimum Statutory Accident Benefits in a basic policy. This includes:
- Income Replacement Benefits: Can be extended to $600, $800, or $1000 per week.
- Medical, Rehabilitation and Attendant Care Benefits: Can be increased up to $1 million for serious injuries and $2 million for catastrophic injuries.
- Caregiver Benefits Expenses: Can be increased to apply to all injuries, not just catastrophic ones.
- Housekeeping and Home Maintenance Expenses: Can be increased to apply to injuries, not just catastrophic ones.
- Death and Funeral Benefits: Can be increased to $50,000 for the spouse, $20,000 for each dependant, and $8,000 for funeral costs.
Why do Ontario car insurance rates change so much?
Insurers in Ontario must go to the Financial Services Regulatory Authority of Ontario (FSRA) to increase (or decrease) rates. FSRA releases a list of these insurance companies, and the approved rate changes shortly after approval is granted.
Why are car insurance rates in Ontario going up?
Car insurance prices in Ontario are rising, driven by economic pressures and industry challenges.
Repair and replacement expenses – which are costs that insurers pass on to consumers – have been elevated since the worldwide COVID-19 shutdowns.
Factory shutdowns strained parts manufacturers, leaving them struggling to meet demand. Now, layoffs caused by rising prices and shifting demand due to tariff threats from the U.S. make output shortages even more likely.
These factors combined are exacerbating supply issues and driving up prices for vehicles, with inflation adding further pressure.
Car thefts in Canada have also surged, intensifying the problem. While Ontario’s theft rate, which rose 48.3% in 2022, has improved slightly due to government action, it remains higher than pre-pandemic levels.
Theft leads to more comprehensive insurance claims, increasing financial strain on insurers, who raise premiums in response. Additionally, replacing stolen cars is costlier due to limited vehicle supply, which further pushes up insurance costs.
Ongoing industry challenges add to the burden. Repair costs continue to increase as advanced vehicle technologies like sensors and cameras become standard. Collision claims often involve steep legal and medical expenses, with accident benefits and third-party liability claims now dominating payouts.
Ontario drivers face significant financial pressure but exploring and comparing insurance quotes can help reduce premiums.
If you're feeling financially strained from rising insurance premiums, comparing quotes can lead to significant savings, according to the Financial Services Regulatory Authority of Ontario (FSRA).
Drivers save an average of $877* by shopping around with platforms like Rates.ca.
How to get the cheapest car insurance in Ontario
Maintaining a conviction-free driving record is, without a doubt, the best way to keep your premiums down, but there are plenty of other ways to save.
- Compare quotes: Of course, the easiest way to save money is to compare auto insurance quotes on Rates.ca. If you're looking to buy a new car, compare quotes for the vehicles you're considering to see which one is the cheapest to insure.
- Increase your deductible: The deductible is what you must pay out of pocket if you file a claim. The more you agree to pay, the lower your premium will be.
- Bundle home and auto insurance: If you add your home insurance policy under the same insurance company, you can save anywhere from 5% to 15% off both policies. This is also called a multi-line discount.
- Change into winter tires: Ontario roads face some harsh winter conditions. Save 5% on your car insurance by installing winter tires for the season.
- Know what coverage you need: Review your coverage each year and cancel any add-ons you no longer need. For example, cancelling your collision coverage would make economic sense if you drive an older car and buying a new one would be more cost-effective.
- Pay annually: If you can pay your premiums annually rather than monthly, you can often save a bit. Some insurance companies offer a discount on the payment of annual premiums upfront.
- Drive less: The less you drive, the more you save. If you commute to work via car, switching to transit can slash your premiums. If you don't drive as much as you used to, call your insurance company and let them know.
- Driver's education: Most insurance companies offer discounts for new drivers who complete driver training from a Ministry of Transportation accredited driving school. A defensive driving course can also make you eligible for discounts.
- Multi-vehicle discounts: Like multi-product discounts, multi-vehicle discount allows you to insure more than one vehicle under the same insurance company to snag a 5 to 15% discount on your premiums.
- Group discounts; If you are part of a professional association, union, or non-profit association, you may be eligible for group discounts.
Rising car thefts in Ontario: Protect your wheels and secure affordable coverage
Car theft poses a significant challenge in Ontario, with one vehicle stolen every 48 minutes. Unfortunately, this problem is on the rise, and it coincides with an upward trend in car prices. Between 2022 and 2023, car prices surged by 21.3%, resulting in an average new vehicle cost of $66,288. These combined factors are driving up insurance costs for all drivers, not only those with theft coverage. Insurance companies must raise rates for all drivers to some extent to cover the claims of customers whose cars have been stolen. This collective adjustment helps manage the costs associated with theft-related claims.
To safeguard your vehicle and potentially prevent your insurance premiums from increasing, consider trying some of the following measures.
- Choose your car based on insurance cost: Doing some research will help you control your insurance costs before you even take ownership of a car. The make and model significantly influence insurance. If cost reduction is a priority, opt for an entry-level vehicle — used ones are particularly cost-effective to insure since they don’t require specialized parts and labour. Additionally, modest cars are less appealing to thieves (unlike SUVs and crossovers, which tend to attract their attention). The Équité Association keeps track of models that are less prone to theft, and several GM models make the list.
- Park in a private garage: If possible, avoid parking overnight outside. The safest place to park your car is in a private, covered garage. Doing this can impede car thieves and might lower your insurance rate.
- Explore aftermarket security systems: Thieves are outpacing the security measures provided by manufacturers (such as car immobilizers). To enhance protection, consider installing aftermarket devices. Doing so could reduce your risk exposure and potentially lower your car insurance premium. Available products include:
- Steering wheel clubs,
- Wheel locks,
- AirTags,
- OBD port locks,
- Pedal locks,
- Faraday pouches,
- Security cameras for your home and inside your car.
The best auto insurance in Ontario 2025
Finding a good price for insurance coverage matters more than ever. But it’s probably not the only factor you care about when you’re shopping for car insurance. For example, knowing that the provider you choose has a track record of being there for policyholders when they need them is important – and that’s hard to judge based on price tag alone.
To find out which insurance companies offer policyholders the most value for their premiums, we turned to the experts: drivers like you.
We collected the opinions of 12,600 drivers for the Rates.ca Annual Best Auto Insurance Study. Below, you’ll find which companies received the highest marks across categories that included convenience, customer service, and claims resolution.
Rates.ca Annual Best Auto Insurance Study 2025
Awards
CAA Insurance: WINNER
About
CAA Insurance is the best overall insurance company, say Canadian drivers surveyed by Rates.ca. It excels in trustworthiness, policy documents, and ease of claims filing.
Drivers see CAA as offering the lowest rates and best value for money. Customers also like its suite of innovative products and for having coverage that fits their needs.
It's the second year in a row that CAA has earned platinum distinctions.
Pros
- Rated highest in overall satisfaction by current customers.
- Most affordable premiums, according to customers.
- Coverage provides good value in return for premiums, customers also say.
- Rated highly for its innovative products and coverage options.
- Market leader in issuing policy documents and billing statements that are easy to understand.
Awards
Gore Mutual
About
Gore Mutual has emerged as one of the study's best rated insurance companies, achieving some of the highest satisfaction ratings among Canadians surveyed.
Gore scores highly in all areas of service. Customers say that policy documents and billing statements are clear and easy to understand, and that the website is user-friendly.
Gore policyholders are more likely to file a claim online than clients of other insurance companies.
Pros
- Won Gold in trustworthiness, best policy documents, and best billing statements
- Ranks highly for innovation; customers rate Gore's website positively, and most file claims by email
- Gore excels in all areas of service and are seen to offer products that meets customers' needs
- Scores highly for quality of policy documents
Awards
Intact Insurance
About
Intact Insurance rates consistently well in all categories, placing third overall. They also placed third in categories of Most Trustworthy, Best Auto Claims Experience, and Best Billing Documents.
Customers with Intact are most likely to contact the insurance broker first to open a claim and were much more likely to use Intact's online app compared to other carriers. They were also more likely to receive policy documents electronically.
Pros
- Customers are likely to say that Intact is a trustworthy brand.
- Intact scores high for its claims service, with more customers likely to file a claim via online app than other carriers.
- Intact customers are also more likely to receive status updates on their claims by telephone; in general, customers with Intact had higher than average contact with the insurer than other companies.
How we got this ranking
Customer reviews abound online, but they only capture one person’s experience.
To accurately measure how most consumers feel about Canada’s leading insurance providers, you need a much larger sample size.
That's why Rates.ca surveyed 8,875 drivers in Ontario and Alberta, asking them to rate their insurance company's performance in various areas. Nabbing a high score meant made the insurer eligible for three awards: Best Overall, Most Trustworthy, and Best Auto Claims Experience. Below are the criteria customers used to rate their insurer:
- Trustworthiness: This section assessed whether an insurance company provides good value for the premiums charged and whether their products meet the current needs of drivers.
- Claims experience: We asked drivers how easy filing a claim is with a company and asked them to rate the service they received. For example, did they do a good job of outlining next steps and was it resolved in a timely manner?
- Policy documents: We asked whether Canada’s insurers make it to understand what coverages are (and are not) included in a policy and whether they make it clear who you should contact in different situations.
- Billing statements: We wanted to know if the bills issued by Canada’s insurers are easy or crazy making. For example, is the premium amount and payment schedule clearly outlined?
- Customer portal/app: The design of an app can make or break your opinion about your insurance company. We asked customer whether about their insurer’s app makes it easy to find to complete a task.
We took the scores for each category and found the average score to determine the best overall score.
Why car insurance costs differ across Ontario
Car insurance in Ontario gets cheaper the further away you get from the Golden Horseshoe (the area that hugs the western end of Lake Ontario, stretching from Niagara Falls to Oshawa and extending north to Barrie and Peterborough).
The region is home to 54% of Ontario's population. Densely populated areas record higher theft rates, fraud, and collisions, increasing the average car insurance premium for drivers living within it.
For example, in Mississauga, drivers pay about $2,311 a year for insurance. But in Thunder Bay, in Northwestern Ontario, a person with an identical car and driving record pays $1,450, or 37% less than their counterpart in Mississauga.
Car insurance relies on pooled risk. When many people pay into the pool, the funds are used to compensate the few who file claims. If insurers didn’t have to recover as many losses from theft, fraud, and collisions in Mississauga, car insurance rates in Thunder Bay could be lower than they are now
However, an unprecedented number of drivers in Ontario are filing claims for stolen cars, particularly in the Greater Toronto Area (GTA). The unprecedented volume of claims — thefts rose 72% between 2014 and 2021 and by 14% in 2023 — is a leading reason that insurers are raising premiums for all drivers in the province.
Complete ranking of car insurance rates by Ontario city
| Rank | City | 2023 premium | 2021 premium | Change (%) |
|---|---|---|---|---|
| 1 | BRAMPTON | $2,707 | $1,976 | 37% |
| 2 | TORONTO | $2,325 | $1,953 | 19% |
| 3 | MISSISSAUGA | $2,311 | $1,971 | 17% |
| 4 | RICHMOND HILL | $2,188 | $2,025 | 8% |
| 5 | VAUGHAN | $2,158 | $2,179 | -1% |
| 6 | PICKERING | $1,985 | $1,959 | 1% |
| 7 | MARKHAM | $1,870 | $1,744 | 7% |
| 8 | OSHAWA | $1,839 | $1,833 | 0% |
| 9 | HAMILTON | $1,810 | $1,564 | 16% |
| 10 | SCHOMBERG | $1,801 | $1,766 | 2% |
| 10 | KING CITY | $1,801 | $1,766 | 2% |
| 10 | STOUFFVILLE | $1,801 | $1,582 | 14% |
| 10 | AURORA | $1,801 | $1,582 | 14% |
| 10 | NOBLETON | $1,801 | $1,766 | 2% |
| 11 | BOWMANVILLE | $1,796 | $1,378 | 30% |
| 12 | NEWMARKET | $1,763 | $1,582 | 11% |
| 13 | BRADFORD | $1,754 | $1,636 | 7% |
| 13 | HOLLAND LANDING | $1,754 | $1,582 | 11% |
| 14 | WINDSOR | $1,743 | $1,491 | 17% |
| 15 | LONDON | $1,730 | $1,505 | 15% |
| 16 | AJAX | $1,726 | $2,104 | -18% |
| 17 | CALEDON | $1,696 | $1,717 | -1% |
| 18 | WHITBY | $1,690 | $1,792 | -6% |
| 19 | OAKVILLE | $1,683 | $1,408 | 20% |
| 19 | GEORGETOWN | $1,683 | $1,526 | 10% |
| 19 | ACTON | $1,683 | $1,526 | 10% |
| 20 | GUELPH | $1,676 | $1,391 | 21% |
| 21 | CAMBRIDGE | $1,669 | $1,412 | 18% |
| 22 | PRICEVILLE | $1,660 | $1,459 | 14% |
| 22 | MULMUR | $1,660 | $1,689 | -2% |
| 22 | ORANGEVILLE | $1,660 | $1,766 | -6% |
| 22 | CANNINGTON | $1,660 | $1,351 | 23% |
| 22 | SHELBURNE | $1,660 | $1,636 | 1% |
| 22 | KESWICK | $1,660 | $1,582 | 5% |
| 23 | KITCHENER | $1,654 | $1,346 | 23% |
| 24 | WATERDOWN | $1,622 | $1,368 | 19% |
| 24 | BINBROOK | $1,622 | $1,368 | 19% |
| 25 | SELKIRK | $1,617 | $1,580 | 2% |
| 26 | AMHERSTBURG | $1,616 | $1,383 | 17% |
| 26 | COMBER | $1,616 | $1,383 | 17% |
| 26 | LASALLE | $1,616 | $1,383 | 17% |
| 26 | PELEE ISLAND | $1,616 | $1,383 | 17% |
| 26 | ESSEX | $1,616 | $1,383 | 17% |
| 27 | MILTON | $1,612 | $1,498 | 8% |
| 28 | BRANTFORD | $1,602 | $1,369 | 17% |
| 29 | WATERLOO | $1,594 | $1,351 | 18% |
| 30 | INNISFIL | $1,588 | $1,582 | 0% |
| 31 | BURLINGTON | $1,586 | $1,374 | 15% |
| 32 | WELLESLEY | $1,581 | $1,318 | 20% |
| 32 | ST GEORGE BRANT | $1,581 | $1,368 | 16% |
| 32 | CAMPBELLVILLE | $1,581 | $1,368 | 16% |
| 33 | DUBREUILVILLE | $1,578 | $1,398 | 13% |
| 34 | THESSALON | $1,564 | $1,398 | 12% |
| 34 | FOLEYET | $1,564 | $1,398 | 12% |
| 34 | MANITOWANING | $1,564 | $1,398 | 12% |
| 35 | FORT ERIE | $1,560 | $1,327 | 18% |
| 35 | NIAGARA FALLS | $1,560 | $1,327 | 18% |
| 36 | SHEDDEN | $1,535 | $1,318 | 16% |
| 36 | COURTICE | $1,533 | $1,378 | 11% |
| 36 | NEWCASTLE | $1,533 | $1,378 | 11% |
| 37 | ELMVALE | $1,518 | $1,351 | 12% |
| 37 | SUNDERLAND | $1,518 | $1,351 | 12% |
| 37 | UXBRIDGE | $1,518 | $1,351 | 12% |
| 38 | DEVLIN | $1,516 | $1,283 | 18% |
| 39 | LAKEFIELD | $1,492 | $1,351 | 10% |
| 39 | KENDAL | $1,492 | $1,175 | 27% |
| 40 | HURON PARK | $1,491 | $1,318 | 13% |
| 40 | OIL SPRINGS | $1,491 | $1,318 | 13% |
| 41 | OWEN SOUND | $1,484 | $1,318 | 13% |
| 41 | ROSTOCK | $1,484 | $1,318 | 13% |
| 41 | PORT ELGIN | $1,484 | $1,318 | 13% |
| 41 | MEAFORD | $1,484 | $1,318 | 13% |
| 41 | COURTLAND | $1,484 | $1,318 | 13% |
| 41 | PARIS | $1,484 | $1,318 | 13% |
| 41 | SARNIA | $1,481 | $1,256 | 18% |
| 42 | FORT FRANCES | $1,479 | $1,283 | 15% |
| 43 | GODERICH | $1,471 | $1,318 | 12% |
| 43 | STRATFORD | $1,471 | $1,318 | 12% |
| 43 | ST MARYS | $1,471 | $1,318 | 12% |
| 43 | HANOVER | $1,471 | $1,318 | 12% |
| 43 | WOODSTOCK | $1,471 | $1,331 | 11% |
| 43 | TILLSONBURG | $1,471 | $1,318 | 12% |
| 43 | ELMIRA | $1,471 | $1,318 | 12% |
| 43 | FERGUS | $1,471 | $1,318 | 12% |
| 43 | INGERSOLL | $1,471 | $1,318 | 12% |
| 43 | STRATHROY | $1,471 | $1,318 | 12% |
| 43 | NEW HAMBURG | $1,471 | $1,318 | 12% |
| 43 | KINCARDINE | $1,471 | $1,318 | 12% |
| 43 | LISTOWEL | $1,471 | $1,318 | 12% |
| 44 | PORT COLBORNE | $1,463 | $1,327 | 10% |
| 44 | THOROLD | $1,463 | $1,327 | 10% |
| 44 | GRIMSBY | $1,463 | $1,368 | 7% |
| 44 | WELLAND | $1,463 | $1,327 | 10% |
| 45 | SHUNIAH | $1,450 | $1,369 | 6% |
| 45 | THUNDER BAY | $1,450 | $1,369 | 6% |
| 45 | NEEBING | $1,450 | $1,369 | 6% |
| 46 | KENORA | $1,445 | $1,283 | 13% |
| 46 | KASABONIKA | $1,445 | $1,283 | 13% |
| 46 | INGOLF | $1,445 | $1,310 | 10% |
| 46 | SIOUX LOOKOUT | $1,445 | $1,283 | 13% |
| 47 | KINGSVILLE | $1,440 | $1,383 | 4% |
| 47 | BORDEN | $1,440 | $1,636 | -12% |
| 47 | MIDLAND | $1,440 | $1,351 | 7% |
| 47 | SIMCOE | $1,440 | $1,318 | 9% |
| 47 | MINESING | $1,440 | $1,351 | 7% |
| 47 | WALLACEBURG | $1,440 | $1,383 | 4% |
| 47 | PORT STANLEY | $1,440 | $1,278 | 13% |
| 47 | WASAGA BEACH | $1,440 | $1,582 | -9% |
| 47 | LEAMINGTON | $1,440 | $1,383 | 4% |
| 47 | ST THOMAS | $1,440 | $1,278 | 13% |
| 47 | AYLMER | $1,440 | $1,318 | 9% |
| 47 | ORILLIA | $1,440 | $1,351 | 7% |
| 47 | CHATHAM | $1,440 | $1,383 | 4% |
| 47 | COLLINGWOOD | $1,440 | $1,318 | 9% |
| 47 | DELHI | $1,440 | $1,318 | 9% |
| 47 | PENETANGUISHENE | $1,440 | $1,351 | 7% |
| 47 | DUNNVILLE | $1,440 | $1,394 | 3% |
| 48 | LIVELY | $1,429 | $1,258 | 14% |
| 48 | ESPANOLA | $1,429 | $1,378 | 4% |
| 48 | VAL CARON | $1,429 | $1,258 | 14% |
| 48 | ELLIOT LAKE | $1,429 | $1,398 | 2% |
| 48 | GARSON | $1,429 | $1,258 | 14% |
| 48 | HANMER | $1,429 | $1,258 | 14% |
| 49 | ST CATHARINES | $1,410 | $1,327 | 6% |
| 50 | KIRKLAND LAKE | $1,397 | $1,306 | 7% |
| 50 | SOUTH PORCUPINE | $1,397 | $1,398 | 0% |
| 50 | TIMMINS | $1,397 | $1,378 | 1% |
| 50 | HEARST | $1,397 | $1,398 | 0% |
| 50 | COBALT | $1,397 | $1,351 | 3% |
| 50 | IROQUOIS FALLS A | $1,397 | $1,398 | 0% |
| 51 | NOVAR | $1,379 | $1,187 | 16% |
| 51 | GRAVENHURST | $1,379 | $1,187 | 16% |
| 51 | ROSSEAU | $1,379 | $1,187 | 16% |
| 51 | HUNTSVILLE | $1,379 | $1,187 | 16% |
| 51 | NORTH BAY | $1,379 | $1,351 | 2% |
| 51 | MCKELLAR | $1,379 | $1,187 | 16% |
| 51 | STURGEON FALLS | $1,379 | $1,351 | 2% |
| 51 | LORING | $1,379 | $1,351 | 2% |
| 51 | KILWORTHY | $1,379 | $1,187 | 16% |
| 51 | BRACEBRIDGE | $1,379 | $1,187 | 16% |
| 51 | UTTERSON | $1,379 | $1,187 | 16% |
| 51 | PARRY SOUND | $1,379 | $1,187 | 16% |
| 52 | OTTAWA | $1,321 | $1,257 | 5% |
| 53 | CASSELMAN | $1,307 | $1,206 | 8% |
| 53 | RUSSELL | $1,307 | $1,206 | 8% |
| 53 | CURRAN | $1,307 | $1,255 | 4% |
| 53 | NAVAN | $1,307 | $1,206 | 8% |
| 53 | HAWKESBURY | $1,307 | $1,239 | 5% |
| 53 | ROCKLAND | $1,307 | $1,206 | 8% |
| 54 | BOBCAYGEON | $1,305 | $1,351 | -3% |
| 55 | CORNWALL | $1,289 | $1,132 | 14% |
| 55 | MARTINTOWN | $1,289 | $1,132 | 14% |
| 56 | IROQUOIS | $1,276 | $1,132 | 13% |
| 56 | KEMPTVILLE | $1,276 | $1,185 | 8% |
| 56 | PORT HOPE | $1,276 | $1,175 | 9% |
| 56 | PICTON | $1,276 | $1,175 | 9% |
| 57 | TRENTON | $1,259 | $1,175 | 7% |
| 57 | COBOURG | $1,259 | $1,175 | 7% |
| 57 | PETERBOROUGH | $1,259 | $1,351 | -7% |
| 57 | LINDSAY | $1,259 | $1,351 | -7% |
| 57 | KINGSTON | $1,259 | $1,132 | 11% |
| 57 | BELLEVILLE | $1,259 | $1,175 | 7% |
| 57 | AMHERSTVIEW | $1,259 | $1,132 | 11% |
| 58 | SUDBURY | $1,249 | $1,258 | -1% |
| 59 | CARLETON PLACE | $1,232 | $1,206 | 2% |
| 59 | GANANOQUE | $1,232 | $1,132 | 9% |
| 59 | SMITHS FALLS | $1,232 | $1,185 | 4% |
| 59 | ELIZABETHTOWN | $1,232 | $1,132 | 9% |
| 59 | PERTH | $1,232 | $1,206 | 2% |
| 59 | BROCKVILLE | $1,232 | $1,132 | 9% |
| 60 | BARRIE | $1,225 | $1,582 | -23% |
| 61 | SAULT STE. MARIE | $1,185 | $1,398 | -15% |
| 62 | PEMBROKE | $1,175 | $1,206 | -3% |
| 62 | NAPANEE | $1,175 | $1,175 | 0% |
| 62 | PETAWAWA | $1,175 | $1,206 | -3% |
| 62 | ARNPRIOR | $1,175 | $1,206 | -3% |
| 62 | RENFREW | $1,175 | $1,206 | -3% |
| 62 | BARRYS BAY | $1,175 | $1,253 | -6% |
| 63 | ALLISTON | $1,152 | $1,636 | -30% |
| 64 | ORONO | $1,047 | $1,351 | -23% |
| 64 | PORT PERRY | $1,047 | $1,351 | -23% |
| 65 | CHESLEY | $894 | $1,318 | -32% |
| 66 | KAPUSKASING | $888 | $1,306 | -32% |
| 67 | KEEWATIN | $586 | $1,283 | -54% |
| 67 | DRYDEN | $586 | $1,283 | -54% |
| 67 | SUMMER BEAVER | $586 | $1,310 | -55% |
| 68 | CLOYNE | $546 | $1,185 | -54% |
Source: Rates.ca
Why age and gender matter for your car insurance rate
A driver's age and gender are two factors that significantly impact insurance costs. These rating factors hold the most weight for young drivers, especially males.
We pulled quotes for drivers of different ages to illustrate this. Except for age, each applicant:
- Drove a 2022 four-door Honda Civic
- Parked in a private driveway
- Drove five kilometres daily
- Has a clean driving record
- Standard insurance with no optional coverages and no discounts applied
- No collision and comprehensive coverage
All things equal, a 17-year-old boy with a G2 licence would pay an eye-watering $8,000 a year for an insurance policy, and a girl of the same age would pay $6,000, according to Rates.ca data.
However, each year they remain claims and are free of traffic convictions, premiums decrease by hundreds of dollars.
Men and women end up paying equal rates by age 30. Premiums continue to decrease each decade if they remain claims and conviction-free.
Ontario car insurance premiums by age cohort
| Age | Male premium | Female premium |
|---|---|---|
| 17 | $7,824 | $5,972 |
| 18 | $5,323 | $5,188 |
| 19 | $4,954 | $4,366 |
| 20 | $3,772 | $3,865 |
| 30 | $2,069 | $2,069 |
| 40 | $1,363 | $1,363 |
| 50 | $1,096 | $1,096 |
| 60 | $1,096 | $1,096 |
Source: Rates.ca
Understanding Ontario’s high auto insurance premiums
At about $2,000 per year or $167 per month, Ontario's average auto insurance premium is higher than that of other provinces.
There are many reasons for this. Ontario, being Canada’s most populous province, has a high concentration of people living in urban areas. This density results in more insurance claims, which ultimately contributes to higher car insurance premiums for everyone.
Another factor is that a standard auto insurance policy in Ontario offers substantial benefits, including the following:
- Third-party liability coverage
- Accident benefits
- Uninsured automobile protection
- Direct compensation for property damage (also known as DCPD; as of 2024, Ontarians can apply to remove it from a standard auto insurance policy)
In Ontario, drivers can also sue for damages after a car accident. Depending on your car insurance, your provider may cover all (or a portion) of your legal fees, which can cost insurance companies millions. To cover their costs, insurers need to increase auto insurance rates.
Car theft and insurance fraud are twin pressures that lead to increased premiums, and both are exceptionally high in Ontario. According to the Insurance Bureau of Canada, fraud costs each Ontario driver an estimated $236 a year and theft adds an extra $130.
More factors that could trigger rate increases in 2025 and beyond include:
- U.S.-imposed tariffs on the North American automotive industry
- Vehicle theft, which remains prevalent, although rates of theft have decreased thanks to Canada-wide coordination
- The demand for parts and labour exceeds Ontario’s supply.
- Inflation raises the cost of claims, which eats into funds reserved for future claims. Therefore, insurers may raise rates to bring in more cash.
- Car insurance fraud is also on the rise.
- The frequency of fatal car accidents is increasing in Ontario.
When the price of everything is going up, it's essential to keep an eye on how your premium compares to the average and to shop around for a better deal.
Ontario's average car insurance rate (2012-2024)
| Year | Average car insurance premium |
|---|---|
| 2024 | $2,006* |
| 2023 | $1,796 |
| 2022 | $1,674 |
| 2021 | $1,651 |
| 2020 | $1,655 |
| 2019 | $1,634 |
| 2018 | $1,505 |
| 2017 | $1,445 |
| 2016 | $1,432 |
| 2015 | $1,455 |
| 2014 | $1,486 |
| 2013 | $1,540 |
| 2012 | $1,549 |
*As of October 2024, according to FSRA.
Source: Insurance Bureau of Canada, General Insurance Statistical Agency, Financial Services Regulatory of Ontario
Ontario car insurance rates: trends to know for 2025
After two years of significant rate hikes, auto insurance premiums in Ontario are finally showing signs of stabilizing, according to the Rates.ca Auto Insurance Rate Index.
The index's methodology involves tracking and analyzing approved rate change filings from insurers operating in Ontario.
Data from the first quarter of 2025 reveals that prices are trending positively for consumers. Insurers are now raising rates at a slower pace, with the rate of increases dropping 23% between the last quarter of 2024 and the first quarter of 2025, followed by an additional decrease of 17% between the first and second quarters of this year. This change suggests that insurers have recovered from revenue shortfalls brought on by the COVID-19 pandemic. With financial stability restored, insurers are settling into a steadier, maintenance-focused phase.
Drivers have faced a series of price shocks in recent years. Insurance premiums were roughly 10% higher each quarter throughout 2023 compared to the previous year. This was primarily due to artificially low rates during the pandemic, when insurers collected less in premiums.
Source: Rates.ca
The graph above shows the average change in premiums compared to the same quarter of the prior year. While prices are still increasing in Ontario, the pace of the increases slowed by the second quarter of 2024 compared to the previous six quarters.
Ontario car insurance rates spiked post-pandemic
Under Ontario regulations, the Financial Services Regulatory Authority (FSRA)—which oversees car insurance in the province—only approves rate increases if insurers can provide data showing they are justified under current economic conditions.
At the height of the pandemic in 2020 and 2021, many insurance companies offered rebates to drivers since many reduced their coverage, kept their cars parked, and dealt with financial challenges. However, when they returned to their pre-pandemic habits, claims costs surged, enabling insurers to justify rate increases.
The cost per physical damage claims also rose significantly. In 2021, the average cost of a claim in Ontario was $8,320. By 2022, it had increased to $10,282, and by 2023 it had grown to $10,955.
Supply shortages during the pandemic, especially of semiconductors, caused by factory shutdowns, led to higher prices for both new and used vehicles.
The rising cost of parts and labour has also made insurers more likely to declare a car a total loss, which is when repairs exceed 70%-80% of the car’s depreciated value.
Advanced security features in new cars reduce the risk of death and severe injury but also increase the cost of repairs or replacements due to their complexity. As a result, the cost of repairs, rental vehicles, and delays may exceed the value of the car, making it more economical for insurers to write a cheque for the car’s value.
While the rate of price growth for parts has slowed, mostly returning to pre-pandemic levels, overall prices have not decreased. The segment of the Consumer Price Index that tracks passenger vehicle parts, maintenance, and repairs was 22.3% higher in December 2024 compared to 2019.
Thefts and storms created the perfect conditions for rate hikes
Rising car theft levels in 2022 and 2023 fuelled further rate hikes. According to the Insurance Bureau of Canada, auto theft claims cost insurers $1.5 billion nationally in 2023, with Ontario accounting for $1 billion of the total.
Car theft claims fall under the comprehensive portion of an auto insurance policy, which covers the replacement of stolen vehicles. Nationally, the claims ratio for comprehensive insurance soared, hitting 100% in 2021 and a staggering 190% in 2023. This meant insurers paid out significantly more in comprehensive claims than they collected in premiums, straining profits.
Replacing a stolen car has become increasingly costly. Since 2019, vehicle prices in Canada have risen sharply. By 2024, the median price of a new car had climbed to $65,219, compared to $40,386 five years earlier. Used car prices also saw a steep increase, rising from $18,900 to $34,445 during the same period.
Factors such as advanced safety features, sensors, electric and hybrid motors had already been driving prices higher before the pandemic. However, closures, labour shortages, and supply chain disruptions further aggravated cost pressures.
Another challenge for insurers has been the increasing frequency of natural disasters. While most catastrophic claims impact home insurance, the ripple effects can also affect auto insurance. Record years for catastrophic claims in 2022 and 2023 resulted in $3 billion in losses. With rising car prices, every claim adds pressure on insurers whose margins are already razor thin.
Fortunately, auto thefts fell in 2024. Thefts in Canada were down by nearly 20% following a $121 million federal investment and collaboration among provincial governments, law enforcement, and industry players. Ontario pledged $51 million, contributing to a 37% reduction in thefts in Toronto and a 45% drop in Peel Region, Canada’s hardest-hit area.
Smaller rate hikes predicted for 2025
With these improvements, Rates.ca's experts predict smaller rate increases going forward. Insurers are expected to request adjustments that result in an overall year-over-year premium increase of 5%-6% by the end of 2025.
However, challenges persist. U.S. tariffs on auto parts that do not meet free trade agreement standards, as well as tariffs on Canadian steel and aluminum, may push rates higher if unresolved. Due to Ontario’s strict regulations, any impact on premiums would take months to materialize.
For now, the outlook for Ontario drivers appears more stable, offering a welcome reprieve after years of sharp premium increases.
Find the best Ontario car insurance on Rates.ca
Back in the day, comparing car insurance quotes was a time-consuming chore that involved calling several insurance companies one by one and reciting the same information over and over. Thankfully, technology has made comparing insurance companies much easier.
Rates.ca runs your details through a database of quotes from Ontario insurance companies. Then, we bring you a list of quotes from more than 50 insurance companies, allowing you to compare quotes side-by-side easily.
Our service is free, and Ontario drivers who use Rates.ca save an average of $877.*
*Shoppers in Ontario who obtained an auto insurance quote on Rates.ca from January to December 2023 saved an average amount of $877. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by Rates.ca.
**The Registered Insurance Brokers of Ontario (RIBO) is the self-regulatory organization in charge of overseeing insurance brokers working in the province. Its mandate is to protect the public by ensuring that brokers meet provincial standards for licensing, professional competence, and ethical conduct. It maintains a public database of registered brokers, which displays a broker's licensing status and their standing within RIBO.
*** The Rates.ca Auto Insurance Index accounts for new business activity, ensuring the analysis captures real shifts in the marketplace. To provide an accurate representation of the industry, we weigh insights based on each insurer's market share in Ontario. Industry professionals then validate the data. Keep in mind, the data are not necessarily reflective of what a person renewing their policy with the same insurer may experience.
Alexandra Bosanac, Content Manager
Alexandra Bosanac has been a content manager for Rates.ca since 2021, specializing in auto insurance. She began covering auto insurance in 2017. Alexandra has a bachelor's degree in journalism from Toronto Metropolitan University. Before joining the Rates.ca editorial team, she reported for the Canadian Business, the Toronto Star, the National Post, and the CBC.
Latest auto insurance articles:
You could be found at fault in any collision. An at-fault collision will remain on your driving record for up to six years, and it will affect your car insurance premium at renewal.
No matter what province you're in, you need car insurance to drive. But every province has slightly different rules and approaches. Here's what you need to know about driving in Canada.
In Canada, your insurance won’t cover your car’s lost value after an accident—it’s up to you to fight for it or sue.
Car seats provide the best protection when they're properly installed. Here's how to choose the right one for your child and follow key safety guidelines in Canada.
How much your car insurance premium may rise as a result of two convictions can vary between insurers, and it depends on what those convictions are.
The first rule of driving in Canada is to get insured. The second rule of driving in Canada? Stay insured.
