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Ontario Car Insurance Rate Tracker

FSRA updates auto insurance rates on a quarterly basis, and we track them. Find out which Ontario auto insurance companies saw rate increases or decreases this quarter.

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Ontario auto insurance rate changes

In Ontario, every insurance company must apply to the Financial Services Regulatory Authority of Ontario (FSRA) if they want to increase (and sometimes decrease) their rates. FSRA makes these rate changes publicly available and publishes them on a quarterly basis. We keep track of the approved changes from each of the last four quarters (one year), to help you keep an eye on the latest Ontario auto insurance rate trends.

Quickly and easily view each company's approved rate changes for the last year with Rates.ca's Ontario auto insurance Rate Tracker

Ontario auto insurance changes by company

View the approved quarterly changes for the past four quarters plus the overall average impact on the market.

InsurerQ1 2019Q2 2019Q3 2019Q4 2019Market Share*
Allstate Insurance Company0.51%n/a2.99%0.02%5.35%
Aviva Generaln/an/an/a3.99%4.92%
Aviva Insurance Companyn/an/a5.41%n/a6.00%
Belair Insurance Companyn/a5.02%0.00%n/a4.85%
CAA Insurance Company0.00%-1.20%n/a3.95%1.58%
Certas Direct Insurance0.00%n/a0.00%n/a2.98%
Certas Home & Auto9.92%2.33%0.00%n/a9.29%
Chubb Insurancen/an/a6.28%n/a0.42%
Coachman Insurancen/an/a7.50%n/a0.20%
Commonwell Mutual Insurance8.61%n/a0.12%n/a0.47%
Co-operators General0.15%/5.01%0.00%6.20%0.00%5.52%
COSECO Insurancen/an/an/a10.12%1.35%
CUMIS General1.93%/5.05%0.00%n/an/a0.41%
Dominion of Canada7.62%n/a15.47%n/a4.18%
Echelon Insurance11.23%n/an/a5.00%0.92%
Economical Mutual11.40%n/a6.20%n/a6.82%
Farm Mutual Reinsurancen/an/a3.50%4.80%1.78%
Gore Mutual Insurance Companyn/an/an/a4.97%1.50%
Guarantee Companyn/a11.31%n/a7.54%0.62%
Heartland Farm Mutual0.00%n/a4.75%n/a0.33%
Intact Insurance Companyn/a5.00%0.00%5.00%8.09%
Jevco Insurance Company5.00%n/an/a6.00%0.65%
Northbridge General Insurancen/an/a10.32%0.48%0.73%
Novex Insurance Companyn/a5.01%0.00%5.00%1.00%
Optimum Insurance Company0.00%n/a7.00%n/a0.18%
Pafco Insurance Companyn/a1.40%0.00%n/a0.32%
Pembridge Insurancen/a0.40%4.00%n/a1.77%
Personal Insurance, The0.00%n/a0.00%n/a4.23%
Portage La Prairie Mutualn/a0.00%n/an/a0.18%
Primmum Insurance0.02%8.87%-0.15%n/a1.50%
Royal & SunAlliance6.46%0.00%n/a5.00%1.09%
Scottish & York Insurance Co. Ltd.n/an/an/a11.05%1.12%
Security National Insurance-0.03%8.81%0.04%n/a6.57%
SGI Canada Insurance10.01%n/an/a9.99%0.37%
Sonnet Insurance Companyn/a20.04%n/an/a0.74%
Sovereign General Insurancen/a0.00%n/an/a0.00%
TD General Insurance Company0.00%8.80%-0.20%n/a1.16%
Traders General Insurancen/an/an/a5.62%1.61%
Unica Insurance Inc.6.35%n/an/a4.78%0.55%
Unifund Assurance Companyn/an/a2.58%/6.03%n/a3.09%
Verassure Insurance0.00%n/an/an/a0.00%
Wawanesa Mutual Insurance4.98%n/a5.02%n/a3.25%
Western Assurance Company7.42%0.05%n/a5.00%1.15%
Zenith Insurance Companyn/an/a-0.04%4.93%0.48%
Q1 2019
+2.70%
Q2 2019
+1.99%
Q3 2019
+2.60%
Q4 2019
+1.56%

The data used is courtesy of the Financial Services Regulatory Authority of Ontario (FSRA). The amounts shown are percentage changes in each carrier's average rate approved each quarter.

This chart represents a small sample of the insurance carriers in Ontario; however, the providers listed are the ones who in the last year had a rate change approved. Errors and omissions are unintentional. Additionally, the rate changes listed are the average for the company. An insured person could see their rates increase or decrease more or less than indicated.

*Last published market share number.

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Save on Ontario auto insurance

Auto insurance rates change often, so how do you know if you're still getting the best deal? By comparing car insurance quotes upon renewal and at other key milestones (such as when you buy a new vehicle, or more to a different neighbourhood) you can make sure your rates remain competitive. Save money by comparing Ontario car insurance quotes today.

Average Ontario car insurance rate increases
Q4 2019 average rate increase
+1.56%
Biggest rate increase
+3.35%
Biggest rate decrease
N/A
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