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Ontario Car Insurance Rate Tracker

Find out which Ontario auto insurance companies had rate increases or decreases this quarter.

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.

Compare approved rate changes

Easily view each company's approved rate changes with RATESDOTCA's Ontario Auto Insurance Rate Tracker. Select your preferred insurance companies to see the latest rate changes.

Insurer Approved Rate Change Insurer Group Renewal Effective Date

Ontario Auto Insurance Approved Rate Changes for 2022

Insurer

Insurer Group

Market Share (%)

Approved Rate Change (%)

Renewal Effective Date

Total Avg Market Impact

Aviva General Insurance Company Aviva 3.16% 0.20% Jan. 1, 2022 0.00%
Farm Mutual Reinsurance Plan Inc.  FMRe 1.66% 0.00% Jan. 1, 2022 0.00%
CAA Insurance Company CAA 2.28% 0.00% Jan. 15, 2022 0.00%
S&Y Insurance Company Aviva 0.24% -0.06% Feb 1, 2022 -0.01%
Intact Insurance Company Intact 8.29% 0.00% Feb 5, 2022 0.00%
Belair Insurance Company Inc. Intact 5.29% -0.43%

Feb 6, 2022

-2.27%
Scottish & York Insurance Co. Ltd. Aviva 1.10% -0.68% Feb 15, 2022 -0.75%
Aviva Insurance Company of Canada Aviva 5.29% -0.76% Feb 15, 2022 -4.02%
Traders General Insurance Company Aviva 1.55% -0.67% Feb 15, 2022 -1.04%
Sonnet Insurance Company Economical 0.81% 4.00% Mar 23, 2022 3.25%
Security National Insurance Company TD 6.68% -0.02% Mar 25, 2022 -0.13%
Belair Insurance Company Inc. Intact 5.29% -0.74% Mar 31, 2022 -3.91%
Federated Insurance Company of Canada Northbridge 0.03% 0.29% Apr 14, 2022 0.01%
Zenith Insurance Company Northbridge 0.48% 0.03% Apr 14, 2022 0.01%
Northbridge General Insurance Corporation Northbridge 0.83% -0.20%

Apr 14, 2022

-0.17%
Unifund Assurance Company RSA 3.38% -0.67% May 1, 2022 -2.26%
Heartland Farm Mutual Inc. Heartland 0.32% 0.64% May 1, 2022 0.21%
Sonnet Insurance Company Definity 0.81% -0.30% May 5, 2022 -0.24%
2022 Q1 avg market impact
-0.74%

Ontario Auto Insurance Approved Rate Changes for 2021

 

Insurer

Insurer Group

Market Share (%)

Approved Rate Change (%)

Renewal Effective Date

Total Avg Market Impact

Gore Mutual Insurance Company

Gore

1.43%

-4.96%

Jan 1, 2021

-0.0711%

Heartland Farm Mutual Inc.

Heartland

0.30%

-0.42%

Jan 1, 2021

-0.0013%

Aviva General Insurance Company

Aviva

4.11%

0.00%

Jan 1, 2021

0.0000%

Federated Insurance Company of Canada

Northbridge

0.03%

0.00%

Jan 15, 2021

0.0000%

Belair Insurance Company Inc.

Intact

4.96%

-1.85%

Jan 15, 2021

-0.0918%

Primmum Insurance Company

TD

1.51%

0.00%

Jan 15, 2021

0.0000%

Security National Insurance Company

TD

6.53%

0.00%

Jan 15, 2021

0.0000%

TD General Insurance Company

TD

1.82%

0.00%

Jan 15, 2021

0.0000%

Portage la Prairie Mutual Insurance Company (The)

Portage

0.18%

-0.03%

Feb 1, 2021

-0.0001%

Co-operators General Insurance Company

Co-op

5.77%

0.34%

Feb 7, 2021

0.0196%

Commonwell Mutual Insurance Group (The)

Commonwell

0.53%

-0.10%

Mar 1, 2021

-0.0005%

Allstate Insurance Company of Canada

Allstate

5.33%

0.00%

Mar 15, 2021

0.0000%

Pembridge Insurance Company

Allstate

2.05%

0.00%

Mar 15, 2021

0.0000%

Sonnet Insurance Company

Economical

0.84%

4.99%

Mar 30, 2021

0.0417%

Dominion of Canada General Insurance Company (The)

Travelers

3.70%

0.00%

Apr 1, 2021

0.0000%

Belair Insurance Company Inc.

Intact

4.96%

0.00%

Apr 5, 2021

0.0000%

Certas Direct Insurance Company

Desjardins

2.59%

0.00%

Apr 23, 2021

0.0000%

Certas Home and Auto Insurance Company

Desjardins

10.20%

0.00%

Apr 23, 2021

0.0000%

Personal Insurance Company (The)

Desjardins

4.19%

0.00%

Apr 23, 2021

0.0000%

Farm Mutual Reinsurance Plan Inc. (on behalf of Ontario Mutuals)

FMRe

1.80%

0.00%

May 1, 2021

0.0000%

Economical Mutual Insurance Company

Economical

5.97%

-0.11%

May 1, 2021

-0.0066%

Wawanesa Mutual Insurance Company (The)

Wawanesa

3.75%

-0.04%

May 1, 2021

-0.0015%

Verassure Insurance Company

Northbridge

0.06%

-0.02%

May 14, 2021

0.0000%

Primmum Insurance Company

TD

1.51%

0.00%

May 22, 2021

0.0000%

Security National Insurance Company

TD

6.53%

0.00%

May 22, 2021

0.0000%

TD General Insurance Company

TD

1.82%

0.00%

May 22, 2021

0.0000%

Heartland Farm Mutual Inc.

Heartland

0.32%

-4.95%

Jul 1, 2021

-0.0160%

Echelon Insurance

CAA

1.49%

0.00%

Jul 1, 2021

0.0000%

Sonnet Insurance Company

Economical

0.81%

0.96%

Jul 17, 2021

0.0078%

Aviva Insurance Company of Canada

Aviva

5.29%

0.15%

Aug 1, 2021

0.0079%

Scottish & York Insurance Co. Limited

Aviva

1.10%

0.40%

Aug 1, 2021

0.0044%

Traders General Insurance Company

Aviva

1.55%

0.73%

Aug 1, 2021

0.0113%

Echelon Insurance

CAA

1.49%

0.00%

Aug 15, 2021

0.0000%

Co-operators General Insurance Company

Co-op

6.84%

0.00%

Sep 10, 2021

0.0000%

Intact Insurance Company

Intact

8.29%

-1.90%

Oct 1, 2021

-0.1575%

Gore Mutual Insurance Company

Gore

1.39%

0.00%

Oct 4, 2021

0.0000%

Gore Mutual Insurance Company

Gore

1.39%

0.23%

Oct 4, 2021

0.0032%

Primmum Insurance Company

TD

1.54%

-0.29%

Oct 6, 2021

-0.0045%

Security National Insurance Company

TD

6.68%

-0.31%

Oct 6, 2021

-0.0207%

TD General Insurance Company

TD

2.08%

-0.51%

Oct 6, 2021

-0.0106%

Heartland Farm Mutual Inc.

Heartland

0.32%

-5.60%

Nov 1, 2021

-0.0181%

Wawanesa Mutual Insurance Company (The)

Wawanesa

3.76%

-0.16%

Nov 1, 2021

-0.0060%

Certas Home and Auto Insurance Company

Desjardins

9.58%

4.73%

Nov 2, 2021

0.4531%

Aviva Insurance Company of Canada

Aviva

5.29%

0.00%

Nov 10, 2021

0.0000%

Scottish & York Insurance Co. Limited

Aviva

1.10%

0.00%

Nov 10, 2021

0.0000%

Traders General Insurance Company

Aviva

1.55%

0.00%

Nov 10, 2021

0.0000%

Co-operators General Insurance Company

Co-op

6.84%

0.00%

Nov 12, 2021

0.0000%

Allstate Insurance Company of Canada

Allstate

5.39%

-7.46%

Nov 13, 2021

-0.4018%

Primmum Insurance Company

TD

1.54%

0.00%

Dec 1, 2021

0.0000%

Security National Insurance Company

TD

6.68%

0.00%

Dec 1, 2021

0.0000%

TD General Insurance Company

TD

2.08%

0.00%

Dec 1, 2021

0.0000%

Echelon Insurance

CAA

1.49%

0.00%

Dec 1, 2021

0.0000%

Pembridge Insurance Company

Allstate

2.29%

-3.94%

Dec 21, 2021

-0.0902%

2021 Q1 avg market impact
-0.10%
2021 Q2 avg market impact
-0.01%
2021 Q3 avg market impact
0.02%
2021 Q4 avg market impact
-0.25%

*Based on last published market share of 2019.

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.

*Based on last published market share of 2019.

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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.

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