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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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What car insurance is mandatory for drivers in Ontario?

Ontario’s standard auto insurance policy is comprised of four mandatory types of coverage, including:

Third-Party Liability: Covers claims as a result of lawsuits arising out of injury, death, property damage in an accident. Drivers must hold a mandatory minimum of $200,000 in liability coverage, though many drivers opt for more.

Accident Benefits: Covers medical expenses, rehabilitation, caregiver expenses, and income replacement in the event of injury, regardless of who is at fault.

Direct Compensation-Property Damage (DC-PD): Pays for damage to your vehicle and its contents in the event of an accident where you are not at fault, provided there is at least one other insured vehicle involved.

Uninsured Automobile: Covers expenses related to injury or death caused by an uninsured driver, in the event of a hit-and-run, or for damage caused to your vehicle by an unidentified uninsured motorist.

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Optional Auto Insurance Coverage in Ontario

Some additional benefits* can be added on to your mandatory policy to further protect yourself and your vehicle. The most common optional car insurance coverages are collision and comprehensive insurance.

Collision coverage/Upset Coverage:
Covers the costs of repairing/replacing a vehicle following a collision with another vehicle, an object, or property.

Comprehensive Coverage:
Covers damages caused by the named perils identified under Specified Perils coverage, as well as losses from perils such as falling/flying objects, theft, fire, hail, windstorms, missiles, and vandalism.

Specified Perils Coverage:
Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lighting, windstorm, hail, rising water, earthquakes, and also other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc.

All Perils Coverage:
Combines collision/upset and comprehensive coverage and provides additional protection in the event of theft of vehicle by a household member or an employee.

*A deductible may apply to these additional coverages

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Recent Auto Quotes in Ontario

Shopper from PORT ELGIN, ONTARIO
2017 NISSAN TRUCK/VAN ROGUE S 4DR AWD
SGI Canada
$1661
per year
Gore
$1675
per year
Aviva Agency
$1774
per year
CAA Insurance
$1789
per year
Range of quotes $128
Shopper from OSHAWA, ONTARIO
2016 CHEVROLET MALIBU LIMITED LT 4DR
SGI Canada
$1329
per year
Western Assurance Company
$1337
per year
Gore
$1386
per year
Chieftain Insurance
$1452
per year
Range of quotes $123
Shopper from KITCHENER, ONTARIO
2015 SUBARU XV CROSSTREK TOURING 5DR AWD
SGI Canada
$1572
per year
Wawanesa Mutual
$1930
per year
Intact Insurance Company
$1938
per year
Echelon General
$3483
per year
Range of quotes $1911
Shopper from WOODSTOCK, ONTARIO
2012 DODGE/RAM TRUCK/VAN GRAND CARAVAN CREW
CAA Insurance
$790
per year
SGI Canada
$950
per year
Gore
$951
per year
Aviva Product (S&Y)
$956
per year
Range of quotes $166
Updated Dec 14, 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.

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