Ontario Car Insurance Rates

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Best Car Insurance In Ontario

The variety of Ontario car insurance options available to the public helps every family in the province to get their cars insured against accidents, damage and theft. There are so many things that go into an insurance policy that it is best to consider every reason why someone needs car insurance before making a final purchase of a policy.

Car owners in Canada are required to insure their vehicle on some level. This is because car accidents happen every day, and the people who are involved in these accidents need to have protection for themselves, their passengers and their vehicles. Avoiding citations for lack of insurance can be handled simply by purchasing the cheapest insurance policy a driver can find.

Drivers must remember that the province has no interest in how good a policy is, what it costs or what it covers. Officers are only interested in the fact that a car is insured when they pull it over or write up an accident report. Without that insurance, the driver will find themselves in court and paying a fine for driving without insurance.

The insurance policy that people need just to make sure they do not have a problem with the law is a collision policy. Collision coverage on a car ensures the vehicle's body is fixed after an accident. These policies do not cover anything else, and the driver could be saddled with other expenses such as a rental car, if they are in an accident.

Also, these collision policies are good for cars that have little to no value. For example, a person who paid for their car years ago and could only get a few hundred dollars for the car can use a collision policy to save money on car insurance every month. Ontario insurance agents can offer people collision coverage that keeps them legally entitled to drive but not cost them very much every month.

If you live in Toronto, Richmond Hill, Ottawa, Mississauga, London, Kitchener, St. Catharines, Etobicoke, Brampton, Windsor, Oshawa or most other cities in the province of Ontario you can quickly compare car insurance quotes.

Man driving with two hands on steering wheel
Man driving with two hands on steering wheel

High Risk Auto Insurance Ontario

Finding a Better Deal For High Risk Auto Insurance in Ontario

A couple of at-fault collisions, a few traffic violations or an impaired driving conviction is all it takes to get a high risk driver designation from an auto insurance company in Ontario. That sets you up for high auto insurance premiums for several years or perhaps worse, an outright cancellation or non-renewal of your existing Ontario auto insurance policy.

For those placed in this unfortunate situation, there is an insurance pool called the Facility Association, which serves as a last resort for those unable to convince an auto insurance service provider to insure their vehicle with an appropriate policy. However, a checkered driving history and the high risk associated with unsafe driving practices will still work against candidates as far as auto insurance costs go.

Should the high risk driver simply give up and give in to high auto insurance costs in Ontario?

There are alternatives for those who are motivated. The first step is to start shopping for competitive auto insurance rates in Ontario. Using a superior comparison site such as will help any driver find a auto insurance provider in Ontario for a better price than expected. All auto insurance agents and brokers in Ontario do not necessarily operate the same and will arrive at their own assessment, which often means drivers will be presented with a range of insurance options with different cost structures. Even though drivers still fall in the high risk category, it represents an opportunity to start improving your driving record. It’s best to discuss your accidents, infractions and convictions openly and to find out how long a time period they will count against you, as this varies from province to province.

If you’re a relatively new driver and haven’t taken a defensive driving course or a safe driving program, enrolling and completing an approved course may present a welcome opportunity for a discount.

Man giving thumbs up while leaning outside driver window

Similarly, many Ontario auto insurance companies have discounts available to customers who install additional safety features, upgrades or alarms in their vehicle. To save money, high risk drivers should also consider trading in their cars for a different model equipped with better safety equipment or one that rates low in car theft frequency or fares better in collisions. Information is available from the Insurance Bureau of Canada, which issues a Canadian Loss Experience Automobile Rating (CLEAR) that’s used by several Ontario auto insurance companies in setting premiums.

But a new type of insurance policy has arrived in Canada that may be just the ticket to help out the high risk driver. Usage based insurance (UBI) has been adopted by several insurance companies in Ontario that are now placing data collection boxes–run by telematics technology–in the cars of their customers to track and record how they drive, including monitoring such things as quick turns, hard acceleration, braking and overall speed. Several Ontario auto insurance firms now present customers with a five to 10 percent discount to do a trial run. In the course of trying to establish a better driving record, having such objective data in the hands of auto insurance providers is bound to help the high risk driver who conforms to safe driving habits.

Positive feedback from a telematics black box just may help reduce the negative stigma often experienced by high risk drivers and auto insurance premiums to boot.

Latest News: Google to Offer Auto Insurance

January 23, 2015

Would you consider shopping for auto insurance with Google? According to an article by, Americans could soon be able to search for auto insurance through the power of Google. With Google Compare, the lowest auto insurance rates could be a simple mouse click away. Google is planning a slow rollout in four U.S. states this quarter: California, Illinois, Pennsylvania and Texas.

Apparently Google isn’t doing it alone – it’s teaming with a couple well-established insurance comparison websites, offering auto insurance from household names like Esurance, Foremost, Hartford, National General, Plymouth Rock, Progressive, Safeco, Travelers and 21st Century.

A bit of a history lesson: Google introduced its online shopping comparison website Google Compare in the U.K. three years ago. Google Compare is available in the U.S., although currently all you can search for is credit cards. Google is keeping mum on its possible entry into the auto insurance space. However, Google has already been licensed to sell auto insurance in more than 26 U.S. states after working on the project for the past two years, according to Forester Research blogger Ellen Carney.

Would consumers consider buying auto insurance from Google? Although it’s a household name in Internet search, this would be its first time in the auto insurance space. According to a study by Accenture insurance research, two-thirds (67 percent) of U.S. consumers would consider purchasing insurance from sources other than insurance companies, and 23 percent would consider buying online from service providers like Google and Amazon.

Google may seem to have the Midas Touch when it comes to new business ventures, but opinions vary on the impact Google will have in the auto insurance industry.

'Competition in the insurance industry could quickly intensify as consumers become open to buying insurance not only from traditional competitors such as banks but also from Internet giants,' said Accenture managing director Michael Lyman, who directed the study.

While most Google projects have been successes, it’s seen its fair share of failures: Google Wave, Google Video and Google Buzz, to name a few. Retailer giant Wal-Mart recently started offering auto and life insurance and saw mixed results.

Credit reporting company TransUnion isn’t as optimistic about Google’s prospects in the ultra-competitive auto insurance industry. According to the company’s 2014 report, online shopping for auto insurance may have already plateaued, with traffic down three percent in February 2014 versus the last 12 months.

Mark McElroy, executive vice president of TransUnion’s insurance business, believes this makes it a risky business venture for Google.

'We are finding that despite billions of dollars being spent on advertising each year, the percentage of consumers shopping for auto insurance has been dropping for approximately the last two years. This places additional pressure on insurance carriers as their pool of potential customers declines,' he said.

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. 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 in a few minutes, you'll have a low quote from a leading auto insurance provider in Ontario.

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

Auto insurance in Ontario is mandatory as you know, but it's still in your best interest to find a secure and cost-effective policy with all the coverage and benefits you require.

Young female receiving keys from instructor outside car
Young female receiving keys from instructor outside car

Young Drivers In Ontario

Young drivers, those under 25 years of age, can expect to pay considerably more for auto insurance in Ontario. The younger the driver the higher the premiums tend to be. Statistics show that young drivers are much more likely to have traffic violations and be involved in car collisions, probably partly due to lack of driving experience. Auto Insurance companies in Ontario take that into account and as a result charge young drivers much higher premiums to compensate for the risk of insuring them.

If you are a young driver there are ways you can reduce your premiums in Ontario:

  • Progress through the graduated licensing system (G1 to G) as quickly as possible – At every stage you will receive a discount off your auto insurance premium in Ontario
  • Take an approved driver training course – While taking the course costs money it can result in significant savings for the first 3 years you’re licensed
  • Enquire about student discounts – Certain Ontario auto insurance companies provide discount to students who maintain a certain grade point average as well as students who attend school away from home and thus are not likely to drive the vehicle often (while being insured under the parents’ policy)
  • Become an occasional driver under your parents’ policy – Consider being an occasional driver before getting your own car and becoming a primary driver. Occasional drivers pay significantly less for auto insurance. You can build up driving experience while being an occasional driver and end up paying less for auto insurance once you become a primary driver down the road.
  • Research auto insurance rates in Ontario before committing to buy a car – Buying a new sports car can set you back quite a lot financially if you’re a young driver. Consider buying a used car with low theft incidences to ensure you keep your premiums down.
  • Bundling home & auto insurance - bundling your home and auto insurance together usually can lower your auto insurance premiums. You’ll often receive a discount of 10 percent just for going with the same insurance provider. Read the fine print before signing up to ensure the coverage is sufficient.
  • Shop around – Ontario auto insurance companies vary about how they evaluate the risk of ensuring young drivers. Expect big differences in auto insurance rates across auto insurance companies in Ontario. You can use the Auto Insurance Comparison Service to get multiple auto insurance quotes all at once, within minutes. mascot for error, 360 Adelaide Street West, Suite 100, Toronto, ON M5V 1R7, Canada
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