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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
View the approved quarterly changes for the past four quarters plus the overall average impact on the market.
| Insurer | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Market Share* |
|---|---|---|---|---|---|
| Allstate Insurance Company | 0.51% | n/a | 2.99% | 0.02% | 5.35% |
| Aviva General | n/a | n/a | n/a | 3.99% | 4.92% |
| Aviva Insurance Company | n/a | n/a | 5.41% | n/a | 6.00% |
| Belair Insurance Company | n/a | 5.02% | 0.00% | n/a | 4.85% |
| CAA Insurance Company | 0.00% | -1.20% | n/a | 3.95% | 1.58% |
| Certas Direct Insurance | 0.00% | n/a | 0.00% | n/a | 2.98% |
| Certas Home & Auto | 9.92% | 2.33% | 0.00% | n/a | 9.29% |
| Chubb Insurance | n/a | n/a | 6.28% | n/a | 0.42% |
| Coachman Insurance | n/a | n/a | 7.50% | n/a | 0.20% |
| Commonwell Mutual Insurance | 8.61% | n/a | 0.12% | n/a | 0.47% |
| Co-operators General | 0.15%/5.01% | 0.00% | 6.20% | 0.00% | 5.52% |
| COSECO Insurance | n/a | n/a | n/a | 10.12% | 1.35% |
| CUMIS General | 1.93%/5.05% | 0.00% | n/a | n/a | 0.41% |
| Dominion of Canada | 7.62% | n/a | 15.47% | n/a | 4.18% |
| Echelon Insurance | 11.23% | n/a | n/a | 5.00% | 0.92% |
| Economical Mutual | 11.40% | n/a | 6.20% | n/a | 6.82% |
| Farm Mutual Reinsurance | n/a | n/a | 3.50% | 4.80% | 1.78% |
| Gore Mutual Insurance Company | n/a | n/a | n/a | 4.97% | 1.50% |
| Guarantee Company | n/a | 11.31% | n/a | 7.54% | 0.62% |
| Heartland Farm Mutual | 0.00% | n/a | 4.75% | n/a | 0.33% |
| Intact Insurance Company | n/a | 5.00% | 0.00% | 5.00% | 8.09% |
| Jevco Insurance Company | 5.00% | n/a | n/a | 6.00% | 0.65% |
| Northbridge General Insurance | n/a | n/a | 10.32% | 0.48% | 0.73% |
| Novex Insurance Company | n/a | 5.01% | 0.00% | 5.00% | 1.00% |
| Optimum Insurance Company | 0.00% | n/a | 7.00% | n/a | 0.18% |
| Pafco Insurance Company | n/a | 1.40% | 0.00% | n/a | 0.32% |
| Pembridge Insurance | n/a | 0.40% | 4.00% | n/a | 1.77% |
| Personal Insurance, The | 0.00% | n/a | 0.00% | n/a | 4.23% |
| Portage La Prairie Mutual | n/a | 0.00% | n/a | n/a | 0.18% |
| Primmum Insurance | 0.02% | 8.87% | -0.15% | n/a | 1.50% |
| Royal & SunAlliance | 6.46% | 0.00% | n/a | 5.00% | 1.09% |
| Scottish & York Insurance Co. Ltd. | n/a | n/a | n/a | 11.05% | 1.12% |
| Security National Insurance | -0.03% | 8.81% | 0.04% | n/a | 6.57% |
| SGI Canada Insurance | 10.01% | n/a | n/a | 9.99% | 0.37% |
| Sonnet Insurance Company | n/a | 20.04% | n/a | n/a | 0.74% |
| Sovereign General Insurance | n/a | 0.00% | n/a | n/a | 0.00% |
| TD General Insurance Company | 0.00% | 8.80% | -0.20% | n/a | 1.16% |
| Traders General Insurance | n/a | n/a | n/a | 5.62% | 1.61% |
| Unica Insurance Inc. | 6.35% | n/a | n/a | 4.78% | 0.55% |
| Unifund Assurance Company | n/a | n/a | 2.58%/6.03% | n/a | 3.09% |
| Verassure Insurance | 0.00% | n/a | n/a | n/a | 0.00% |
| Wawanesa Mutual Insurance | 4.98% | n/a | 5.02% | n/a | 3.25% |
| Western Assurance Company | 7.42% | 0.05% | n/a | 5.00% | 1.15% |
| Zenith Insurance Company | n/a | n/a | -0.04% | 4.93% | 0.48% |
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.
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.
