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Compare auto insurance Ontario

Compare auto insurance Ontario

With dozens of auto insurance companies in Ontario to choose from, it is a considerable task to sift through that long list to find the lowest cost and best service possible. Rates.ca can eliminate that time and effort by providing a quick quote from leading auto insurance firms in Ontario.

If you have your vehicle and driver information handy, you can begin entering the data into our comparison tool and within a few minutes, you'll have a low quote from a leading auto insurance provider in Ontario.

As you'll see, Rates.ca simplifies the process of finding the best auto insurance in Ontario for all drivers regardless of age or experience.

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How to get Ontario car insurance quotes on Rates.ca

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1. Tell us about your vehicle

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

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2. Compare your quotes

See quotes from 30+ insurance companies side by side.

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3. Choose the right coverage

Find the right protection for your vehicle.

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4. Secure your rate

Connect with the provider and secure your rate.

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Why do we need car insurance in Ontario?

Why do we need car insurance in Ontario?

Car owners in Ontario are required by law to have car insurance. This is in part because Ontario operates on a no-fault insurance system, which means drivers go through their own insurance company no matter who is at fault in an accident or incident. Beyond this, car insurance is important in the unfortunate event that you are ever involved in an accident. It helps to ensure that you, your vehicle, and your passengers are protected.

From a legal perspective, if you’re pulled over by law enforcement you’ll be asked to show your license, registration, and proof of insurance. Your proof of insurance is your “pink slip,” which is provided to you when you purchase or renew your auto insurance. It contains the name of your insurance provider, your policy number, and the names and addresses of the insured parties.

If you fail to provide your pink slip, not only can you face hefty fines, but your auto insurance rates may also go up! Be sure to keep your pink slip in your vehicle at all times, as mandated by the Auto Insurance Consumers’ Bill of Rights. This will also be helpful in the event you need to provide another driver with your insurance details.

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What is the average car insurance rate in Ontario?

What is the average car insurance rate in Ontario?

Ontario drivers pay an average of $1,445 per year for car insurance, according to the Insurance Bureau of Canada. While the province no longer holds the title of most expensive car insurance in the country (that crown now goes to British Columbia), Ontario drivers still face rates higher than the majority of Canadians.

This is why provincial regulators recommend comparing Ontario auto insurance rates before you purchase a policy. It’s the best way to ensure you’re getting the cheapest rate available.

Compare using Rates.ca today to see if you could be getting a better Ontario car insurance rate!

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Where in Ontario can I get the cheapest rates?

Where in Ontario can I get the cheapest rates?

When it comes to saving money on your Ontario car insurance, comparing quotes is the best way to find the cheapest rates. If you live in Toronto, Richmond Hill, Ottawa, Mississauga, London, Kitchener, St. Catharines, Etobicoke, Brampton, Windsor, Oshawa or anywhere else in Ontario, you can quickly compare car insurance quotes at Rates.ca.

Find the cheapest rate instantly by comparing quotes from more than 30 top insurance providers.

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What car insurance is mandatory for drivers in Ontario?

Ontario’s standard auto insurance policy is comprised of four mandatory types of coverage, including:

Third-Party Liability: Covers claims as a result of lawsuits arising out of injury, death, property damage in an accident. Drivers must hold a mandatory minimum of $200,000 in liability coverage, though many drivers opt for more.

Accident Benefits: Covers medical expenses, rehabilitation, caregiver expenses, and income replacement in the event of injury, regardless of who is at fault.

Direct Compensation-Property Damage (DC-PD): Pays for damage to your vehicle and its contents in the event of an accident where you are not at fault, provided there is at least one other insured vehicle involved.

Uninsured Automobile: Covers expenses related to injury or death caused by an uninsured driver, in the event of a hit-and-run, or for damage caused to your vehicle by an unidentified uninsured motorist.

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Optional Auto Insurance Coverage in Ontario

Some additional benefits* can be added on to your mandatory policy to further protect yourself and your vehicle. The most common optional car insurance coverages are collision and comprehensive insurance.

Collision coverage/Upset Coverage:
Covers the costs of repairing/replacing a vehicle following a collision with another vehicle, an object, or property.

Comprehensive Coverage:
Covers damages caused by the named perils identified under Specified Perils coverage, as well as losses from perils such as falling/flying objects, theft, fire, hail, windstorms, missiles, and vandalism.

Specified Perils Coverage:
Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lighting, 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:
Combines collision/upset and comprehensive coverage and provides additional protection in the event of theft of vehicle by a household member or an employee.

*A deductible may apply to these additional coverages

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Recent Auto Quotes in Ontario

Shopper from PETAWAWA, ONTARIO
2013 FORD TRUCK/VAN F150 XLT SUPERCREW 4WD
CAA Insurance
$1732
per year
Pembridge Insurance Company
$1747
per year
SGI Canada
$1774
per year
Zenith Insurance
$1780
per year
Range of quotes $48
Shopper from GLOUCESTER, ONTARIO
2015 HYUNDAI AZERA LIMITED 4DR
CAA Insurance
$945
per year
Desjardins General Insurance
$1061
per year
Allstate
$1086
per year
SGI Canada
$1255
per year
Range of quotes $310
Shopper from GLOUCESTER, ONTARIO
2015 HYUNDAI ELANTRA GL 2DR
CAA Insurance
$950
per year
Allstate
$1089
per year
Desjardins General Insurance
$1107
per year
SGI Canada
$1247
per year
Range of quotes $297
Shopper from OSHAWA, ONTARIO
2019 HYUNDAI IONIQ PREFERRED ELECTRIC 4DR HATCHBACK
Western Assurance Company
$1182
per year
Royal & SunAlliance
$1319
per year
Aviva
$1473
per year
SGI Canada
$1528
per year
Range of quotes $346
Updated Feb 22, 2020

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