Cheap Ontario Car Insurance Quotes

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Compare auto insurance Ontario

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

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

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Why do we need car insurance in Ontario?

Why do we need car insurance in Ontario?

Car owners in Ontario are required by law to have car insurance. This is in part because Ontario operates on a no-fault insurance system, which means drivers go through their own insurance company no matter who is at fault in an accident or incident. Beyond this, car insurance is important in the unfortunate event that you are ever involved in an accident. It helps to ensure that you, your vehicle, and your passengers are protected.

From a legal perspective, if you’re pulled over by law enforcement you’ll be asked to show your license, registration, and proof of insurance. Your proof of insurance is your “pink slip,” which is provided to you when you purchase or renew your auto insurance. It contains the name of your insurance provider, your policy number, and the names and addresses of the insured parties.

If you fail to provide your pink slip, not only can you face hefty fines, but your auto insurance rates may also go up! Be sure to keep your pink slip in your vehicle at all times, as mandated by the Auto Insurance Consumers’ Bill of Rights. This will also be helpful in the event you need to provide another driver with your insurance details.

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What is the average car insurance rate in Ontario?

What is the average car insurance rate in Ontario?

Ontario drivers pay an average of $1,445 per year for car insurance, according to the Insurance Bureau of Canada. While the province no longer holds the title of most expensive car insurance in the country (that crown now goes to British Columbia), Ontario drivers still face rates higher than the majority of Canadians.

This is why provincial regulators recommend comparing Ontario auto insurance rates before you purchase a policy. It’s the best way to ensure you’re getting the cheapest rate available.

Compare using Rates.ca today to see if you could be getting a better Ontario car insurance rate!

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Where in Ontario can I get the cheapest rates?

Where in Ontario can I get the cheapest rates?

When it comes to saving money on your Ontario car insurance, comparing quotes is the best way to find the cheapest rates. If you live in Toronto, Richmond Hill, Ottawa, Mississauga, London, Kitchener, St. Catharines, Etobicoke, Brampton, Windsor, Oshawa or anywhere else in Ontario, you can quickly compare car insurance quotes at Rates.ca.

Find the cheapest rate instantly by comparing quotes from more than 30 top insurance providers.

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Car insurance for young drivers in Ontario

Young drivers, considered to be those under 25 years of age, can expect to pay considerably more for auto insurance in Ontario. The younger the driver the higher the car insurance premiums tend to be.

Statistics show that young drivers are much more likely to have traffic violations and be involved in car collisions, 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 and is thus an initial investment, it can result in significant savings for the first three years you’re licenced, if not longer.
  • Inquire 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/tenant 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 Rates.ca auto insurance comparison service to get multiple auto insurance quotes all at once, within minutes.

Recent Auto Quotes in Ontario

Shopper from PETAWAWA, ONTARIO
2018 MITSUBISHI TRUCK/VAN OUTLANDER ES 4DR AWD
Chieftain Insurance
$1848
per year
Dominion of Canada
$1877
per year
Wawanesa Mutual
$3674
per year
CAA Insurance
$3848
per year
Range of quotes $2000
Shopper from BURLINGTON, ONTARIO
2013 HONDA CIVIC EX 4DR
Dominion of Canada
$1102
per year
Chieftain Insurance
$1188
per year
Aviva Agency
$1548
per year
Pembridge Insurance Company
$1621
per year
Range of quotes $519
Shopper from CAMBRIDGE, ONTARIO
2017 HONDA ACCORD TOURING 4DR
Dominion of Canada
$1509
per year
Chieftain Insurance
$1644
per year
Pembridge Insurance Company
$1740
per year
Aviva Agency
$1857
per year
Range of quotes $348
Shopper from NEPEAN, ONTARIO
2012 FIAT 500 SPORT 2DR
Aviva
$1361
per year
Wawanesa Mutual
$1530
per year
Pembridge Insurance Company
$1695
per year
Gore
$1809
per year
Range of quotes $448
Updated Mar 24, 2019

High-risk auto insurance Ontario

Find 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 you auto insurance company. High-risk also means high auto insurance premiums, often for a period of several years or perhaps worse, an outright cancellation or non-renewal of your existing Ontario auto insurance policy.

For those 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 comparison site such as Rates.ca will help any driver find an auto insurance provider in Ontario at a better price than expected.

Auto insurance companies 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, comparing quotes represents an opportunity to start improving your driving record. It’s best to discuss your accidents, infractions and convictions openly with your provider 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.

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 might also want to consider trading in their cars for a different model equipped with better safety equipment, or one that rates lower 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 when setting base premiums.

Usage-based insurance (UBI) is another option that has been adopted by several insurance companies in Ontario. This takes the form of a device–run by telematics technology–planted in the cars of customers to track and record how they drive, including monitoring quick turns, hard acceleration, braking and overall speed. Several Ontario auto insurance firms now present customers with a five to 10 per cent 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 may help the high-risk driver who conforms to safe driving habits. The data cannot be used to increase your premium.

Get notified when it’s time to save.

Let us know your renewal date and we’ll let you know the best time to shop the market for the cheapest car insurance rates.

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