The average Ontario car insurance cost is $1,655*

Mandatory coverages

• Third-party liability: This benefit covers you from claims from a third party when you have an at-fault accident. It covers you if you cause damage to someone else's property, bodily injury or death. In Ontario, you must carry at least $200,000 in third-party liability.
• Accident benefits: Up to $3,500 is available for minor injuries. Up to $65,000 per person per year (up to five years) is available for non-minor injuries. Up to $1 million is available for catastrophic injury.
• Funeral expense benefits: Up to $6,000 is available to cover funeral expenses (more if you buy indexation coverage, which ensures your benefit grows with inflation).
• Income replacement benefits: You could receive 70% of your gross wages to a maximum of $400 per week and a minimum of $185 per week for 104 weeks (possibly longer). Also included are benefits for dependent non-earners.
• Death benefits: If you die within 180 days of an accident (or if you're left disabled for three years before your passing), your beneficiaries will receive compensation from your insurance company.
• Uninsured automobile protection: This mandatory coverage provides up to $200,000 in compensation for damage to property and injuries. You can top it up to $1 million by purchasing the family protection coverage endorsement (OPCF44).

Optional coverages

• Direct compensation property damage (DCPD) - Covers damage to your vehicle if the other person was responsible for the accident. Your car insurance company compensates you. DCPD is included in standard policies, but some insurance companies offer an endorsement that removes it. We recommend keeping it.
• Collision coverage: Pays for damage caused by collision with another vehicle or object or if your car rolls over. You must pay a deductible for this coverage.
• Comprehensive coverage: Coverage against fire, theft, vandalism, falling objects, windshield damage and other types of damage that are unrelated to a collision. You must pay a deductible for this coverage.
• All perils: This coverage combines collision and comprehensive insurance. With this option, you pay only one deductible.
• Specified perils: Similar to comprehensive coverage but covers fewer perils. It costs less than comprehensive insurance.

Endorsements

• OPCF 20: Coverage for Transportation Replacement - Covers the cost of a rental car, rideshares, or public transportation if you get into a car accident or your vehicle is stolen.
• OPCF 27: Liability for Damage to Non-Owned Automobiles - For when you damage a borrowed or rental vehicle. The coverage limit is around $25,000 to $50,000.
• OPCF 39: Accident Waiver/Forgiveness - Prevents your premium from rising after your first at-fault accident.
• OPCF 43: Waiver of Depreciation - Your insurer won't be allowed to subtract depreciation from your claim. Only for new vehicles with fewer than 5,000 kilometres.
• OPCF 44R: Family Protection Coverage - Provides additional compensation if another party's third-party liability benefit isn't enough to cover the damage.

*IBC with data from GISA exhibits AUTO1010-TER-2020

Mandatory coverages

• Third-party liability: Minimum of $200,000 per accident; your insurance will cap payment for property damage at $10,000 for a claim that involves bodily injury and property damage.
• Direct compensation property damage (DCPD): Covers the cost of replacing your vehicle and pays for replacement transportation costs. You have to be found not at fault for causing the accident.
• Accident benefits: Up to $50,000 per person
• Funeral expense benefits: $6,150
• Disability income replacement benefits: 80% of gross weekly wages to a maximum of $600 per week. Available for a maximum of 104 weeks. You aren't compensated during the first seven days of disability.
• Non-earner benefit: The non-earner benefit (an unemployed person 18 years or older) is $200 per week up to 104 weeks.
• Death benefits: If the head of household dies, each dependent survivor gets $10,000, plus 20%, plus $15,000 for the first survivor and $4,000 for each remaining survivor; $15,000 is available for the spouse/partner of the head of household; If a dependent relative dies, the maximum award is $3,000; The benefit for grief counselling is $500 per family.
• Right to sue for pain and suffering: Yes. If the injury is deemed "minor" under provincial legislation, the maximum award will be $5,365
• Right to sue for economic loss in excess of no-fault benefits: Yes.

Optional coverages

• Collision: Cover repair and replacement costs when you're at fault
• Comprehensive: Covers non-collision damage (hitting an animal, windshield damage, fire, falling tree limbs, weather, theft, vandalism)
• Specified perils - Similar to comprehensive coverage but covers fewer perils, it costs less than comprehensive insurance.
• All perils: Coverage that combines collision and comprehensive insurance. With this option, you pay only one deductible.

Endorsements

• Comprehensive Cover Limited Glass (SEF 13D): This limits a vehicle's glass coverage for a reduced premium.
• Loss of Use (SEF 20): This add-on covers temporary transportation costs if your car is damaged and unusable due to an event covered by your insurance policy. You can use the money for taxis and public transportation up to a daily dollar limit.
• Legal Liability for Damage to Non-Owned Automobiles (SEF 27): Extends your physical damage insurance to a rental vehicle.
• Accident Rating Waiver (SEF 39): This endorsement protects your premium from rising after you cause an accident. It only applies to scenarios that your insurance company has agreed to cover.
• Limited Waiver of Depreciation (SEF 43R): If your car is a write-off due to an insurable loss, this endorsement prevents the insurance company from factoring in depreciation when calculating your compensation.
• Family Protection (SEF 44): This is excess coverage for when the insured and their immediate family are involved in an accident with an underinsured driver. It comes into effect when the at-fault driver's insurance policy limits are not high enough to cover the total cost of a claim.

Mandatory coverages

• Third-Party Liability: $200,000 of coverage is offered to you in situations where the law allows the other driver to sue. However, Enhanced Care removes the need to sue in B.C.
• Enhanced Accident Benefits: This benefit covers you, your passengers, and household members for medical costs and wage loss (up to 90% of net income, maximum of $105,500 gross annual income). No cap on what you could receive.
• Basic Vehicle Damage: A basic insurance policy includes $200,000 of coverage. You're only compensated if you're not at fault for the collision.
• Underinsured Motorist Protection (UMP): Up to $1 million per insured person. Protects if you make a liability claim against a person who doesn't have enough or has no insurance.
• Inverse Liability: Covers 100% of vehicle repair costs, less if you were partly at fault (e.g., if you are 25% responsible, you would receive 75% of the cost of repairing your car).

Optional coverages

• Collision: Covers repair and replacement costs when you're at fault
• Comprehensive: Covers non-collision damage (hitting an animal, windshield damage, fire, falling tree limbs, weather, theft, vandalism).
• Specified perils: It is similar to comprehensive coverage but covers fewer perils. It costs less than comprehensive insurance.

Endorsements

• Hit and Run: Covers repair and replacement costs caused by a hit and run driver up to $200,000 (already included with collision coverage)
• Off-Highway Third Party Liability: Provides $200,000 in liability coverage if you are at fault for causing injury or property damage while operating a "non-standard vehicle" (like an ATV, golf cart, tractor, etc.).
• Loss of Use: Covers expenses to rent a vehicle, use taxis, and take public transit while your vehicle's fixed.
• Special Risk Own Damage Policy: Recommended for cars worth more than $150,000. Coverage includes collision, comprehensive, and specified perils.
• Income Top-up: Provides additional income replacement to top up what's already available through Enhanced Care, open to BC residents who make $105,000 gross.
• Extended Third Party Liability: Covers costs above the Basic Autoplan limit. You can increase coverage to a limit of $5-million.
• Rental Vehicle Coverage: Extends the coverages included in your basic policy to rental cars (third-party Liability, enhanced accident benefits, underinsured motorist protection, collision, comprehensive and loss of use).
• New Vehicle Replacement Plus (NVR+): Covers the cost of repairing your car with unlimited new parts from the manufacturer. If the vehicle cannot be repaired, you choose to have it replaced or receive a cash payout.
• Limited Depreciation Endorsement: For people who don't qualify for New Vehicle Replacement Plus. It covers if your vehicle is a write-off. You can opt for a new vehicle of the same model year or a payout.
• Unlisted Driver Protection (UDP): Flexibility to be able to lend your car occasionally to a driver not listed on your policy.

Mandatory coverages

Public

• Accident benefits: No time or amount limit; includes rehabilitation. Covers lost income (90% of net wages up to $83,000), impairment benefits (up to $258,947), death benefits, funeral expenses ($5,534).
• Uninsured automobile: This benefit provides compensation if an uninsured driver causes damage to your property and they are at fault.

Private

• Civil liability coverage: Minimum of $50,000 (limited to property damage claims within Quebec; outside of Quebec, it extends to both personal injury and property damage)
• Direct compensation property damage: This covers damage to your vehicle caused by another person found to be wholly or partly at fault for the accident. Your insurance company will compensate you even though someone else caused the damage.

Optional coverages

• Collision: Helps to pay to repair your car if you're at fault for causing an accident with another vehicle or object. Single-vehicle rollovers are also covered.
• Comprehensive: Covers against fire, theft, vandalism, falling objects, windshield damage, and other damage unrelated to a collision.
• All perils: Coverage that combines collision and comprehensive insurance. With this option, you pay only one deductible.
• Specified perils: Similar to comprehensive coverage but covers fewer perils. Therefore, it costs less than comprehensive insurance.

Endorsements

• QPF No 2: Insurance for drivers who do not own a vehicle. Provides compensation if you damage property, or injure or kill another person in a rented car. It also covers physical damage to the rental.
• Increased Civil Liability Coverage: This increases your liability coverage above the minimum benefit.
• Replacement Cost Coverage: This coverage is ideal for newer cars. Suppose your vehicle is stolen or damaged beyond repair. In that case, you'll get a replacement car that matches the purchase price of your vehicle and not its depreciated value.

Mandatory Coverages

Physical damage coverage

• Third-party liability coverage: $200,000 liability coverage for any one accident. Covers insured vehicle owner with coverage for damages caused by the insured vehicle

Personal injury benefits

• No-fault option: Your insurance will cover you regardless of fault, providing comprehensive coverage but limiting your right to sue.
• Tort option: Registered drivers in Saskatchewan can change their coverage to Tort coverage, which is less comprehensive but allows you to sue for additional damages. It's subject to a $5,000 deductible.
• Uninsured automobile coverage: Provides coverage if you're injured or killed by an unidentified or uninsured driver.

Optional coverages

• Additional personal injury benefits: Increases accident benefits.
• Loss of use coverage: Your insurance company will provide a replacement vehicle or reimburse you for reasonable transportation costs while your car is being fixed, but only if it's in the shop due to an insured peril.
• Replacement or repair cost coverage: Your vehicle will be repaired or replaced if deemed a total loss after being involved in an insurable accident.
• Road hazard glass coverage: You agree to waive your car's glass insurance for a reduced premium.
• Increase liability coverage: Increases liability coverage beyond the $200,000 minimum amount.
• Comprehensive: Covers against fire, theft, vandalism, falling objects, windshield damage, and other damage unrelated to a collision.
• Collision: Helps to pay to repair your car if you're at fault for causing an accident with another vehicle or object. Single-vehicle rollovers are also covered.
• All perils: Coverage that combines collision and comprehensive insurance. With this option, you pay only one deductible.

Mandatory coverages

• Personal Injury Protection Plan: All Manitobans have this coverage, regardless if they own a car; it covers losses stemming from injury or death due to a car accident, with few limits or restrictions.
• Basic All-Perils: Up to $70,000 is offered for damage from collision, "upset" (your vehicle tips or rolls over), and other perils (vandalism, theft, hail, fire, etc.)
• Basic Third-Party Liability: $500,000 in coverage. Protects you against damage or injury claims others make against you. Protects you within Manitoba, as well as in the rest of Canada and the U.S.
• Loss of Use Coverage:
  • Stolen Vehicles: It covers the costs of using other transportation if your car is stolen. Daily allowance of $34 daily up to $1,020, including taxes.
  • Damage: Compensation for alternative transportation if your vehicle has been damaged in a collision and you are found to not be at fault. You must choose the least expensive option.

Optional coverages

• Increased Third-Party Liability: You can increase your protection to $1 million, $2 million, $5 million, $7 million, or $10 million.
• Rental Vehicle Insurance: You are covered for up to $10 million if you cause damage to someone else while driving a rental car. Includes a daily stipend for replacement transportation anywhere in Canada and the US.
• Excess Value Coverage: The maximum insured value for a passenger vehicle, truck, or truck tractor is $70,000. This endorsement increases your coverage to a higher limit.
• Lay-Up Coverage: Protects a car in storage and reduces your base premium since the vehicle is not in use.
• Extension Loss of Use: This endorsement covers the cost of temporary alternative transportation if your car is damaged or stolen, regardless of fault.
• New Vehicle Protection: Protects the total purchase price of your vehicle, including against inflation.
• Leased Vehicle Protection: Protects your down payment or trade-in allowance if your vehicle is written off but only for cars that are less than two years old.
• Excess Value Coverage: Extra compensation if a high-value car is damaged by an insurable peril.
• Extra Income Protection: This endorsement increases the coverage offered to all Manitobans through the Personal Injury Protection Plan (PIPP). It protects against losses that are caused due to a disabling injury.
• Collector Vehicles: Offers Basic Autopac coverage and basic all-perils insurance to cars that are over 25 years old, driven infrequently, in good repair, and are worth more than $5,000.
• Motorcycle Extension: Offers increased third-party Liability, collision coverage, and comprehensive coverage.
• Passenger Vehicle for Hire: Mandatory if you want to drive for a rideshare company (Uber or Lyft, for example). Provides essential coverage and the ability to purchase more optional insurance.
• Off-Road Vehicle Extension: Provides increased third-party liability benefits, collision and comprehensive insurance, accident benefits, and coverage for damaged riding gear.

Mandatory Coverages

• Third-Party Liability (Public Liability and Property Damage): $500,000 minimum benefit.
• Uninsured Automobile: Provides coverage if you're injured or killed by an unidentified or uninsured driver.
• Direct Compensation Property Damage (DCPD): Covers damage to your vehicle if you are wholly or partly not at fault for the accident. Paid by your car insurance company.
• Accident Benefits: Coverage for income replacement, medical or funerary expenses, benefits for non-earners, and more. $50,000 in medical benefits per person and $2,500 in funeral benefits.

Optional coverages

• Comprehensive: Covers against fire, theft, vandalism, falling objects, windshield damage, and other damage unrelated to a collision.
• Collision: Helps to pay to repair your car if you're at fault for causing an accident with another vehicle or object. Single-vehicle rollovers are also covered.
• All Perils: Coverage that combines collision and comprehensive insurance. With this option, you pay only one deductible.

Endorsements

• Family Protection Endorsement: Excess coverage that protects the insured and their immediate family when an underinsured driver causes an accident that leads to severe injuries. It comes into effect when the at-fault driver's insurance policy limits are not high enough to cover the total cost of a claim.
• Loss of Use: Your insurance company will provide a replacement vehicle or reimburse you for reasonable transportation costs while your car is being repaired for damage caused by an insured peril.
• Waiver of Depreciation: Coverage that provides replacement value if a new car is stolen or written off due to an insurable peril.
• Rental Vehicle: Provides collision coverage for rental cars.
• Rideshare Endorsement (SPF 9): Provides coverage once a driver has logged into a ridesharing app, has accepted a fair, and once the trip has ended.

Mandatory Coverages

• Third-Party Liability: The minimum benefit is $200,000. It provides coverage for accidents you're found to be liable for. It will pay for damage to another person or vehicle.
• Direct Compensation for Property Damage: Coverage for damage to your vehicle if another person was wholly or partially at fault for the accident. Your insurance company will compensate you.
• Uninsured Automobile: Provides coverage if you're injured or killed by an unidentified or uninsured driver.

Optional coverages

• Collision Coverage: Helps to pay to repair your car if you're at fault for causing an accident with another vehicle or object. Single-vehicle rollovers are also covered.
• Comprehensive Coverage: Compensation for physical damage to your car not caused by a collision. For example, fire, theft, vandalism, and falling objects.
• All Perils Coverage: Coverage that combines collision and comprehensive insurance. With this option, you pay only one deductible.

Endorsements

• Loss of Use: Your insurance company will provide a replacement vehicle or reimburse you for reasonable transportation costs while your car is repaired due to damage from an insured peril.
• Rental Vehicle: Provides collision coverage for rental cars.
• Depreciation Waiver: Coverage that provides replacement value if a new car is stolen or written off due to an insurable peril.
• Roadside Assistance: Pays for towing, replacement battery, tire change, gas deliveries, winching, and unlocking car doors.
• Accident Benefits: Coverage for medical care and rehabilitation is not included in basic insurance. Instead, you apply for coverage after you've been involved in an accident, according to changes in 2019 to the Automobile Insurance Act.
• Accident Forgiveness: Guarantees that your first at-fault accident will not increase your premium.

Mandatory Coverages

• Third-Party Liability: $200,000 minimum benefit. Coverage for accidents where you're found to be liable. Your benefit will pay for damage done to another person or vehicle.
• Direct Compensation Property Damage: Coverage for damage to your vehicle if another person was wholly or partly at fault for the accident.
• Accident Benefits: Coverage for income replacement, medical or funerary expenses, benefits for non-earners, and more. $50,000 in medical benefits per person and $2,500 in funeral benefits.
• Uninsured Automobile and Unidentified Automobile: Provides coverage if you're injured or killed by an unidentified or uninsured driver.

Optional Coverages

• Collision or Upset: Helps to pay to repair your car if you're at fault for causing an accident with another vehicle or object. Single-vehicle rollovers are also covered.
• Comprehensive: Compensation for physical damage to your car not caused by a collision. For example, fire, theft, vandalism, and falling objects.
• All Perils: Coverage that combines collision and comprehensive insurance. With this option, you pay only one deductible.
• Specified Perils: Similar to comprehensive coverage but only covers the perils you specifically request protection from. Specified perils cost less than comprehensive insurance.

Endorsements

• SEF 44 Family Protection Insurance: Excess coverage protects the insured and their immediate family when an underinsured driver causes an accident leading to severe injuries. It comes into effect when the at-fault driver's insurance policy limits are not high enough to cover the total cost of a claim.
• GAP Insurance: This is coverage for cars that are being leased or financed. Suppose the vehicle is declared a total loss. In that case, this coverage will pay the difference between what the person owes and that vehicle's actual cash value.
• Loss of Use: Your insurance company will provide a replacement vehicle or reimburse you for reasonable transportation costs while your car is repaired due to damage from an insured peril.
• Rental Vehicle: Provides collision coverage for rental cars.
• Depreciation Waiver: Coverage that provides replacement value if a new car is stolen or written off due to an insurable peril.
• Roadside Assistance: Pays for towing, replacement battery, tire change, gas deliveries, winching, and unlocking car doors.

Mandatory Coverages

• Third-Party Liability: The minimum amount of insurance you must purchase is $200,000. It provides coverage for accidents where you're deemed at fault. It will compensate the other party for property damage and bodily injury.
• Direct Compensation Property Damage: This covers damage to your vehicle caused by another person who was found to be wholly or partly at fault for the accident. Your insurance company will compensate you, even though someone else caused the damage.
• Accident Benefits: Coverage for income replacement, medical or funerary expenses, benefits for non-earners, and more. $50,000 in medical benefits per person and $2,500 in funeral benefits.
• Uninsured Automobile and Unidentified Automobile: Provides coverage if you're injured or killed by an unidentified or uninsured driver.

Optional Coverages

• Specified Perils: Similar to comprehensive coverage but covers fewer perils. It costs less than comprehensive insurance.
• Comprehensive: Compensation for physical damage to your car not caused by a collision. For example, fire, theft, vandalism, and falling objects.
• Collision or Upset: Helps to pay to repair your car if you're at fault for causing an accident with another vehicle or object. Single-vehicle rollovers are also covered.
• All Perils: Coverage that combines collision and comprehensive insurance. With this option, you pay only one deductible.

Endorsements

• Accident Forgiveness: Guarantees that your first at-fault accident will not increase your premium.
• Rental Car: Provides collision coverage for rental cars.
• Limited Waiver of Depreciation: Coverage that provides replacement value if a new car is stolen or written off due to an insurable peril.
• SEF 44 Family Protection Insurance: Excess coverage protects the insured and their immediate family when an underinsured driver causes an accident leading to severe injuries. It comes into effect when the at-fault driver's insurance policy limits are not high enough to cover the total cost of a claim.

Mandatory Coverages

• Third-Party Liability: The minimum amount of insurance you must purchase is $200,000. It provides coverage for accidents where you're deemed to be at fault. It will compensate the other party for property damage and bodily injury.
• Direct Compensation Property Damage: Not offered in the Yukon.
• Accident Benefits: $10,000/person for medical expenses, $2,000 for funerary expenses. Coverage for income replacement, medical or funerary expenses, benefits for non-earners, and more.
• Uninsured Motorist: Provides coverage if you're injured or killed by an unidentified or uninsured driver.

Optional coverages

• Specified Perils Coverage: It is similar to comprehensive coverage but covers fewer perils, so it costs less than comprehensive insurance.
• Collision Coverage: Helps to pay to repair your car if you're at fault for causing an accident with another vehicle or object. Single-vehicle rollovers are also covered.
• Comprehensive Coverage: Compensation for physical damage to your car not caused by a collision. For example, fire, theft, vandalism, and falling objects.
• All Perils Coverage: Coverage that combines collision and comprehensive insurance. With this option, you pay only one deductible.

Endorsements

• Loss of Use: Your insurance company will provide a replacement vehicle or reimburse you for reasonable transportation costs while your car is repaired due to damage from an insured peril.
• Legal Liability for Physical Damage to a Non-Owned Automobile: Provides collision coverage for rental cars.
• Limited Waiver of Depreciation: Coverage that provides replacement value if a new car is stolen or written off due to an insurable peril.

Mandatory Coverages

• Third-Party Liability: The minimum amount of insurance you must purchase is $200,000. It provides coverage for accidents where you're deemed to be at fault. It will compensate the other party for property damage and bodily injury.
• Accident Benefits: Up to $25,000/person, $1,000 for funeral expenses. Coverage for income replacement, benefits for non-earners, and more.
• Uninsured Auto Insurance: Provides coverage if you're injured or killed by an unidentified or uninsured driver.

Optional coverages

• All Perils: Coverage that combines collision and comprehensive insurance. With this option, you pay only one deductible.
• Collision or Upset Coverage: Helps to pay to repair your car if you're at fault for causing an accident with another vehicle or object. Single-vehicle rollovers are also covered.
• Comprehensive Coverage: Compensation for physical damage to your car not caused by a collision. For example, fire, theft, vandalism, and falling objects.
• Specified Perils Coverage: It is similar to comprehensive coverage but covers fewer perils, so it costs less than comprehensive insurance.

Mandatory Coverages

• Third-Party Liability: $200,000 is available per accident. It is coverage for accidents where you're found to be liable. Your benefit will pay for damage caused to another person or vehicle.
• Accident Benefits: Up to $25,000/person, $1,000 for funeral expenses. Coverage for income replacement, benefits for non-earners, and more.
• Uninsured Auto Insurance: Provides coverage if you're injured or killed by an unidentified or uninsured driver.

Optional coverages

• All Perils: Coverage that combines collision and comprehensive insurance. With this option, you pay only one deductible.
• Collision or Upset Coverage: Helps to pay to repair your car if you're at fault for causing an accident with another vehicle or object. Single-vehicle rollovers are also covered.
• Comprehensive Coverage: Compensation for physical damage to your car not caused by a collision. For example, fire, theft, vandalism, and falling objects.
• Specified Perils Coverage: It is similar to comprehensive coverage but covers fewer perils, so it costs less than comprehensive insurance.