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Save On Ontario Car Insurance By Comparing The Cheapest Quotes

Get A Quote In A Couple Of Minutes And You Could Save $500!

Car Insurance QuoteGet a cheap Ontario car insurance quote from one of our friendly insurance experts and you could save big. They'll quickly compare the cheapest auto insurance quotes so you'll get the lowest rate.

They'll provide savings advice and ask the right questions to make sure you get the best car insurance discounts. With ThinkInsure you’ll get the best price, lowest rates and coverage to meet your auto insurance needs. We can help you save on Car Insurance In Alberta also!

Car Insurance In Ontario

When you compare auto insurance quotes with us you can expect :

  • Expert Car Insurance Savings Advice : Our auto insurance experts are licensed and highly trained professionals. They will quickly recommend ways for you to save with our many Ontario car insurance products and discounts we can offer you through our large insurance company partner network.
  • Quickly Compare The Cheapest Quotes : We can quickly get you cheap insurance quotes from the best insurance companies. So you'll get the best rates and coverage for your car insurance needs.
  • One Stop Shopping For Car Insurance : We can take care of all your car insurance needs - shopping for best quotes, providing expert advice, personalized service and much more!
  • Personal Service : All ThinkInsure customers get a dedicated personal service representative to take care of their insurance needs. We take pride in knowing our customers by name and by providing top level customer service.

I'm glad I called ThinkInsure to see if I could save on my car insurance. Denise asked me a few questions then quickly got me a bunch of quotes. She explained the differences in coverage and helped me pick the best one for my needs. She ended up saving me close to $400!
Margaret, Mississauga, Ontario


What Are Some Tips To Get Cheap Car Insurance In Ontario?

Compare Cheap Car Insurance Quotes In Ontario

Working with the top insurance companies, we can get car insurance coverage for any Ontario driver. We understand that you are busy and don’t have hours upon hours to shop around for cheap auto insurance quotes. Let us do the shopping for you and help you get the lowest rates.

Shopping Around For Ontario Car Insurance Quotes Pays Off

Insurance rates for the same car and driver can vary widely between insurance providers. So when you shop around, you’ll get different rates for the exact same car and driver. That’s where our car insurance experts come in. It’s their job to quickly find and compare car insurance quotes based on you as a driver, your vehicle and the coverage you need.

Save Time And Let Us Compare The Cheapest Ontario Quotes For You

Our licensed experts have a wealth of knowledge and a network of insurance providers. They will use their knowledge to source insurance that meets your budget and needs.

Benefit From Our Ontario Car Insurance Expertise And Experience

As licensed professionals, our car insurance experts continually update their education and knowledge. They provide unbiased advice based on your situation and their experience.

Call An Ontario Car Insurance Expert To Get A Cheap Quote

What is your unique driving situation and car insurance needs? Speak to a ThinkInsure car insurance expert. We’ll compare auto insurance quotes and make sure you get the best rates possible. Even though Ontario insurance rates are the highest rates in Canada, you can have peace of mind that our licensed car insurance experts will get the cheapest rates and the best insurance coverage.


How To Get Ontario Car Insurance Quotes

It's easy to get the cheapest Ontario car insurance quotes with ThinkInsure. Simply fill out some information about yourself, your driving history and vehicle, and compare the best quotes. It only takes a couple of minutes. You can also call us to compare quotes.

Step 1 - Start Your Car Insurance Quote

Click here and enter your postal code and some basic information to begin comparing quotes.

Step 2 - Enter Your Driving Information

Enter your driving information and insurance history.

Step 3 - Enter Your Vehicle Information

Select the vehicle you drive and how much you drive it.

Step 4 - Compare Quotes And Get The Cheapest Rate

Compare quotes from 20+ Ontario car insurance companies and select the best coverage and cheapest rate.

OR

Call An Ontario Car Insurance Expert Directly

You can also call our Ontario auto insurance experts directly to compare quotes. They will provide savings advice and look for additional insurance discounts to help you save more. They will also ensure you get the proper insurance coverage for your needs. It's free and only takes a few minutes - 1-855-550-5515.


How Do You Get A Cheap Ontario Auto Insurance Quote?

Cheap Car Insurance Ontario

It's Easy To Get A Cheap Ontario Car Insurance Quote With ThinkInsure

The most effective way to get cheap auto insurance quotes and save money on your coverage is to compare car insurance quotes with multiple providers. ThinkInsure works with the leading car insurance companies in Ontario.

So we can compare the cheapest car insurance quotes to save you money! The best way to do this is to work with an insurance expert.


We Help Ontario Drivers Find The Lowest Car Insurance Prices And Best Discounts

Ontario Car Insurance Rates Change Often So Shopping Is The Best Way To Save

With car insurance rates being so high it's important for Ontario drivers to save as much as possible on their coverage. Saving money on car insurance is not a one-time event either. Insurance companies change their rates frequently. Driving records, vehicle details and coverage needs also change. If you want to get the lowest auto insurance rates in Ontario it’s important to stay on top of your coverage needs.

Compare The Best Car Insurance Discounts

Car insurance companies have many different types of discounts. They frequently change them or create new discounts to help drivers save or reward them for good driving habits. We work with the leading companies and our car insurance experts will quickly find the best discounts you are eligible for. Learn more about the types of car insurance discounts in Ontario.

It’s important to compare quotes annually, stay up to date with insurance industry news and developments, understand the types of discounts and savings you qualify for, and most importantly, work with our car insurance professionals. We’ll help you get the lowest car insurance quotes in Ontario.


How To Save On Ontario Auto Insurance

Getting online car insurance quotes from us is fast, easy and free! Simply enter your basic driving information into our online car insurance quote tool and then we compare quotes from the top car insurance companies.

This quick one stop shopping allows you to compare all the cheapest prices available. Why get online car insurance quotes from a single company, one by one? Save time and let us do the shopping for you - all in one place. If you live in Ontario and you're looking for the cheapest car insurance rate, you will find it here.

All drivers want to know how to get the cheapest car insurance rates. The good news is there is no secret formula – saving on auto insurance is actually easier than you think!

Here is how you do it :

1. Compare Quotes From Multiple Ontario Car Insurance Companies

There are many insurance companies in Ontario who want to insure you. Having multiple quotes to compare will help get you the cheapest car insurance rates and find the best value for your policy.

2. Stay Up-to-date With The Latest Developments In The Car Insurance Industry

Things change quickly in the insurance industry. Staying up-to-date allows you to use this information to help you make the best car insurance decisions. You'll capitalize on new auto insurance discounts and cost saving opportunities.

3. Be An Educated Car Insurance Consumer

Know what your policy means and the coverage you need. If you are not sure about a specific insurance term, talk with your insurance provider to get clarification. Never make assumptions about your coverage.

4. Focus On Value When Comparing Car Insurance Rates

Price is important, but it’s not the only thing. When comparing car insurance rates, make sure you understand the level of coverage you will receive for your quoted car insurance rates. We’ll make sure you get cost effective coverage that provides you with great value.

5. Consider Car Insurance Factors Before You Buy A Car

The car you drive will impact your car insurance rates. Inquire about the insurance rates of vehicles you are considering before you make your final vehicle purchase decision.


Our Ontario Car Insurance Reviews

Ontario Car Insurance Reviews

ThinkInsure is a leading provider of Ontario car insurance coverage. We help thousands of Ontario drivers get the car insurance coverage they need quickly and professionally at the lowest rates in Ontario. See what our customers are saying about ThinkInsure on Google. We have an average of 4.6 out of 5 stars rating.


How To Get Car Insurance In Ontario?

Getting car insurance in Ontario doesn’t have to be complicated. How you go about getting coverage can make a difference in how much you save and the type of coverage you get.

Review Your Current Car Insurance Policy

In the months leading up to your policy renewal, take some time to review your policy. Does your policy meet your needs still? Do you need to make changes? Add or remove coverage? If you are getting a policy for the first time, think about your driving needs and the type of coverage you may need.

Get Your Driving And Vehicle Information Ready

There is certain information you will need to collect to get a car insurance quote in Ontario. Gather your driver’s license, vehicle information, and driving history. If you have other drivers on your policy, make sure you have their information as well. Make note of any information that needs to be updated in your policy.

Work With An Ontario Car Insurance Expert

Working with a car insurance expert that can get your coverage from multiple insurance companies is your best option to save on Ontario car insurance. You also have more coverage options and discounts to choose from.

Contact Your Car Insurance Provider

You can compare car insurance rates in Ontario by doing a quote online or by speaking with an expert over the phone. Choose the method that works best for you.

Get Multiple Car Insurance Quotes

Enter your information about you, your vehicle, driving history and coverage needs.

Choose The Best Car Insurance Policy And Rate

Based on the information you provide, you will be presented with the best car insurance rates and coverage. Choose the policy that best matches your driving and insurance needs.

Complete Your Car Insurance Policy Application

Complete the necessary steps to secure your car insurance rates with your car insurance expert. They will complete your application and get you your insurance pink slip so you are insured!


Ontario Car Insurance Quotes Comparison

Compare Cheap Ontario Auto Insurance Quotes

Comparing the best car insurance quotes in Ontario is easy with ThinkInsure. We believe that it is important to offer our customers choice so they get the best rates, coverage and policy for their car insurance needs.

Our car insurance experts will quickly find you the best coverage from the 40+ insurance companies we work with. This means we can help you find affordable car insurance at the most competitive rates.

We are also an independently owned company so we are unbiased. That means you get the best Ontario car insurance policy for your driving needs.


We Are Much More Than An Ontario Auto Insurance Quote Comparison Site

ThinkInsure is much more than a comparison site for Ontario car insurance rates. Unlike other comparison sites such as www.lowestrates.ca or www.insurancehotline.com, we do not sell your car insurance quote information to another insurance provider.

We want to help you with all your auto insurance needs, from getting the best rates and coverage to providing top level customer service. We will be there for you when you really need help and work hard to save you money on your insurance year after year.



Compare Ontario Car Insurance Quotes Online

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Car Insurance Savings Tip

Call us to get additional car insurance discounts and expert savings advice. A quick call could save you a lot more!


Get A Car Insurance Quote With ThinkInsure And You Could Save Big!

Car Insurance Quote Ontario

We understand that you are busy and taking the time to get an online auto insurance quote can be a challenge. This is where we come in! Let ThinkInsure do the insurance shopping for you. Just fill out your information on our website and we’ll handle the rest. The best part is that it only takes a few minutes of your time!

What are you waiting for? Just call us toll-free 1-855-550-5515 OR click and start the online insurance quote so you can start saving today!

Once completed, you will instantly see the quotes from multiple companies - all looking to win your business! Choosing the best coverage at the cheapest rate has never been so easy!


How Do I Compare Cheap Ontario Car Insurance Quotes?

Getting a car insurance quote with ThinkInsure is quick, easy and can save you a lot of money. In fact, you can compare many car insurance quotes with us at one time and save on your car insurance premiums. To get a quote you can :

Call A ThinkInsure Car Insurance Expert At 1-855-550-5515

A licensed insurance expert will answer all your questions, compare quotes from our 40+ insurance partners and give you savings advice – all in a few minutes. You’ll get the best rates for car insurance with the best coverage – tailored to your circumstances.

Try Our Online Car Insurance Quote Comparison Tool

In just a couple of minutes you’ll get quotes based on your postal code, your vehicle type, and drivers of the car from multiple insurance companies for you to compare.


About Auto Insurance In Ontario

Ontario is our countries most populated province. There are more than 13.5 million residents and this number continues to grow. This means more drivers, more traffic congestion, and a greater risk for auto accidents on roadways.

You need a car insurance policy that provides you with the coverage and protection you need to drive with confidence.

At ThinkInsure, we can find you the perfect policy for drivers who commute daily on the 401, spend their weekends driving in cottage country, enjoy driving through Niagara wine country, or love to explore the natural wonders of Northern Ontario. No matter how or where you drive, we have a policy for that!

So if you live in an urban city, small town or rural area in Ontario, we can help you get the cheapest auto insurance quotes and save on your coverage.


What Determines The Cost Of Auto Insurance Rates In Ontario?

Auto Insurance Ontario

Many considerations determine car insurance rates across Ontario. Where you live, the car you drive and your driving experience are only some of the factors that impact your auto insurance rates.

Here are some of the key factors car insurance companies consider when determining the cost of a car insurance policy :

  • Your Driving Experience : How long have you been driving? What level of graduated license do you have? Your rates lower the longer you’ve been insured.
  • Your Age : Insurers see older drivers as lower risk – as you get older, you are more likely to be a more careful driver and you will qualify for additional car insurance discounts.
  • Your Gender : Studies show that women are less likely to be in accidents.
  • Your Driving Record : How is your driving record? Do you have recent tickets or claims? They can increase car insurance rates.
  • Your Car : What car do you drive – SUV or a sedan? How old is your car? How often does the car get stolen? How safe is the vehicle? Learn more about car related factors that impact car insurance costs what are the cheapest cars to insure.
  • Car Usage : Do you use your car to drive to work? How many kilometers do you drive annually? Do you use your car for business?
  • Where You Live : Insurers take where you live into consideration. If your neighbourhood has higher statistics for car theft and accidents, your insurance premiums will reflect the higher risk.
  • Your Car Insurance Coverage And Deductible Amount : The type of coverage you select will also impact your rates. Choosing comprehensive insurance coverage over basic coverage. Adjusting your deductible amount for collision insurance or comprehensive insurance will impact the cost of car insurance premium.


Ontario Car Insurance Changes Proposed In 2019 Budget

The Ontario Government has announced significant changes to the auto insurance system as part of the 2019 Ontario budget. The proposed changes seek to simplify the auto insurance system, make it more competitive, and reduce insurance costs for drivers.

The key areas of the plan are :

  • Driver care plan
  • Fraud prevention
  • More insurance coverage options
  • More ways for drivers to save
  • Reduced regulation
  • Increase online access to insurance services, payments, communication with insurers

Read more about the proposed auto insurance changes in the 2019 Ontario budget.


What’s The Cheapest Car Insurance In Ontario?

Getting the cheapest car insurance in Ontario is unique to each driver. There are many factors that contribute to getting cheaper rates. Insurance deductibles, coverage limits for collision and comprehensive coverage, driving record, claims history, experience, type of vehicle, and insurance discounts all can affect your insurance premiums.


Is Auto Insurance Required In Ontario?

Yes. All drivers are required to have valid car insurance coverage in order to own or lease a vehicle. You must carry the minimum required auto insurance coverage.


What If I Am Caught Driving Without Insurance In Ontario?

Car Insuranc Rules Ontario

Drivers convicted of driving without insurance face steep fines and license suspensions.

  • First offense : $5,000 - $25,000 fine.
  • Second offense : $10,000 - $50,000 fine, plus a driver’s license suspension for up to one year.

In addition to the fines, you will be considered a high risk driver and be subject to significantly higher auto insurance rates.


Who Regulates The Ontario Car Insurance Market?

The auto insurance market is overseen by the Financial Services Commission of Ontario (FSCO). They regulate car insurance rates in the province. Rates are set by private insurers and then reviewed and approved by the FSCO. Auto insurance rates are updated quarterly.


Does Ontario Have No Fault Insurance?

Ontario operates under a no fault insurance system. This means you deal with your insurance company directly for all claims. Your insurer pays for your damages and other drivers deal with their insurance provider.


How Much Does Car Insurance Cost In Ontario?

How Much Does Car Insurance Cost In Ontario

Ontario is one of the most expensive provinces for car insurance rates. Ontario car insurance costs can vary greatly based on many factors. Your location, diving history, age, the type of vehicle you drive, and many other factors all affect car insurance costs.


What Is The Average Cost Of Car Insurance In Ontario?

According to the Insurance Bureau of Canada (IBC), the average cost of car insurance in Ontario is $1,445 per year. Car insurance rates are higher for drivers who live in large cities such as Toronto and Ottawa. Rates tend to be cheaper in more rural areas and in Northern Ontario.

Learn more about Average Car Insurance Costs In Ontario.


How Much Is Car Insurance In Ontario Per Month?

Based on the annual average of $1,445, the average cost for auto insurance per month in Ontario is approximately $120.


Are Car Insurance Rates In Ontario Higher Than Other Provinces?

Ontario has the second highest car insurance rates in Canada, behind British Columbia. The average cost for auto insurance in Canada is approximately $1030. Ontario drivers, on average, pay more than $400 more per year for car insurance.


Ontario Car Insurance Rate Changes

Will Ontario Car Insurance Rates Drop?

Auto insurance rates in Ontario are adjusted quarterly by the Financial Services Commission of Ontario (FSCO). They oversee insurance regulation in the province.

Insurers can apply to have their rates increased. This occurs because of changes in coverage offerings, and to help offset the costs associated with claims. Requests to increase rates must be deemed reasonable. The FSCO can also require insurers to adjust and lower rates when changes are made to the auto insurance system.

Ontario car insurance rates have increased by for 6 consecutive quarters (Oct 1, 2017 to March, 31 2019). Here is a summary of FSCO insurance rate changes since 2014 :

Here is a summary of FSCO insurance rate changes since 2014 :

QuarterOverall Rate Change
Q1 2019+2.70%
Q4 2018+3.35%
Q3 2018+2.06%
Q2 2018+1.1%
Q1 2018+2.23%
Q4 2017+1.03%
Q3 2017-0.10%
Q2 2017+0.76%
Q1 2017+1.24%
Q4 2016-0.14%
Q3 2016+1.50%
Q2 2016+0.33%
Q1 2016-3.07%
Q4 2015-0.15%
Q3 2015-0.50%
Q2 2015+0.60%
Q1 2015-0.95%
Q4 2014-0.54%
Q3 2014-0.11%
Q2 2014+0.22%


Why Are Ontario Auto Insurance Rates So High?

Factors That Impact The Cost of Car Insurance In Ontario

Average Car Insurance Ontario

There are a number of key factors that affect car insurance costs in Ontario :

  • Insurance fraud : Fraud drivers up the cost of coverage costs.
  • Increasing claims costs : There is an increase in the number and cost of auto insurance claims.
  • Greater driving risk : There is a higher volume of drivers and traffic on Ontario roads. High population density and poor road conditions are also factors.
  • Increased auto theft : Auto theft rates are on the rise.

Mandatory Insurance Coverage In Ontario

In Ontario, there are four types of car insurance coverage required by law to be included in your policy – liability coverage, accident benefits, direct compensation damage, and uninsured motorist. This is applicable to vehicles leased, financed or owned by the driver.

Drivers in Ontario are required to carry a minimum amount of mandatory insurance coverage :

  • $200,000 in third party liability coverage
  • Direct compensation property damage (DCPD) coverage

Additional Minimum Coverage Included In Your Policy

  • Medical payments : up to $65,000 for non-catastrophic injuries or up to $1 million for catastrophic injuries
  • Funeral expenses : up to $6,000
  • Disability income benefits : $185/week for 104 weeks
  • Death benefits : minimum of $25,000 to spouse and $10,000 to dependants
  • Income replacement : 70% of gross wages. Maximum of $400 per week

Optional Car Insurance In Ontario

Get A Car Insurance Quote

Ontario drivers have the option to add extra coverage that is above and beyond the minimum insurance requirements. Optional car insurance coverage includes :

  • Comprehensive coverage : Protection against all insured damage caused to your vehicle.
  • Collision or Upset : Protection from damage caused by a collision by another car or object.
  • Specified perils : Protect your vehicle from specific risks such as flood, fire, hail, or theft.
  • All perils : Combines comprehensive and collision and increased theft protection.

You can also increase your coverage limits for third party liability and accident benefits.


How Much Is My Car Insurance Deductible In Ontario?

All car insurance policies in Ontario included a deductible – the amount of money you pay when to file a claim. Deductible amounts can vary based on your insurer and your preferences. The standard amounts are :

  • $500 for collision coverage
  • $300 for comprehensive coverage

Your deductible amount will impact your car insurance rates. Opting to increase your deductible will lower your auto insurance rates. But, it also means you will pay more out of pocket when you file a claim.


High Risk Auto Insurance For Drivers Who Have Had Some Challenges

Has your car insurance company cancelled or not renewed your insurance policy? Are you considered a high risk driver because of ticket issues, accidents or payment challenges? Don't worry, we can help!

We are high risk auto insurance experts and we work with all the Ontario high risk insurance companies. We'll compare quotes to get you the cheapest rates and help you save as much as possible. We understand that being a high risk driving is challenging and expensive. Our experts will help you get your car insurance back on track and get you back into regular car insurance.


ThinkInsure Can Help You Get The Best Ontario Car Insurance

Best Car Insurance Ontario

ThinkInsure car insurance experts are on your side. We work for you, not the insurance company. This means that it’s in our best interest to ensure that you get the best insurance coverage and rates, given your current situation. It's our job to help our customers with ALL their Ontario auto insurance needs.

Here are some key reasons why choosing ThinkInsure for your auto insurance makes sense. Our insurance experts will :

  • Needs : Help you assess your personal car insurance needs.
  • Unbiased : Provide you with timely and unbiased advice.
  • Compare : Compare rates and coverage options from a variety of insurance providers.
  • Explain : Explain your insurance coverage and terms so you can better understand what is included in your policy.
  • Questions : Answer any of your car insurance related questions.
  • Claims : Help you during the claims process and be your advocate if issues arise.
  • Savings : Help you save money on car insurance.

A knowledgeable insurance experts will help you find a car insurance policy that makes sense for you!


Why Should You Get A Car Insurance Quote With ThinkInsure?

Our experts auto insurance can help you effectively compare quotes and ensure you make an educated and informed decision about your car insurance coverage. Working with our auto insurance experts in Ontario is one of the key ways for you to save money today and into the future.

Taking a few minutes to get a quote and compare rates can save you more money than you think. Plus, when you work with ThinkInsure, you will ensure you are getting value and coverage that meets all your driving needs.


More Information To Help You Get The Lowest Ontario Car Insurance Rates

Car Insurance Rates Ontario

There are many factors that go into getting the cheapest car insurance. Here are some articles that you might find helpful. You can always call us at 1-855-550-5515 and we'll be happy to answer any of your questions.

General Car Insurance Savings Tips

Everyone wants to save on their car insurance. Here are some tips to help you save and get the cheapest rates : Top 45 Car Insurance Savings Tips

Car Insurance Tips For Young & New Drivers

New and young drivers have some different challenges when it comes to getting the cheapest car insurance. Here are some helpful savings tips : Car Insurance Savings Tips For New And Young Drivers

The Car You Drive Impacts Your Car Insurance Rate

Insurance rates are different for all cars. Some are safer and some are less likely to get stolen. Learn which ones are the cheapest to insure : What Are The Cheapest Cars To Insure?

Where You Live Effects How Much You Pay For Car Insurance

Ontario has the highest car insurance rates in Canada. In particular, the GTA area has the highest rates because of the volume of drivers and traffic. Learn what the government and insurance companies are doing to help lower rates : Lowering The Average Cost Of Car Insurance In Ontario

Comprehensive Insurance And Collision Insurance Deductibles

The insurance deductible amounts you choose for comprehensive and collision coverage on your car insurance policy will impact the overall premium amount. The higher the deductible amount the cheaper your premium will be. Learn more about comprehensive and collision insurance : Comprehensive Insurance And Collision Insurance Explained


Getting An Ontario Auto Insurance Quote Online Is Quick And Easy

Our online car insurance quoting tool is a fast and easy way to compare the cheapest quotes. It's a simple tool that you can use from your computer, smartphone or tablet. All you need to do is answer a few questions.

  • Enter your basic personal information
  • Enter your vehicle information
  • Enter your driving habits
  • Enter your insurance history
  • Enter your coverage and deductible needs

Then you'll instantly receive multiple quotes with the lowest rates available from our insurance partners. In most cases you can save even more by calling us. Our insurance experts can give you advice and find additional discounts that may not be available in our quick quote.


How Do I Get An Accurate Car Insurance Quote In Ontario?

You’ll get your most accurate quote when you speak to an expert. Have your information ready so your insurance provider can get to work for you. The more accurate your information, the more accurate your car insurance quote.

Be Open About Your Driving History

We are working for you. When you share driving details accurately, you will get a customized, accurate quote based on your information. There won’t be any surprises for you.

Have Your Driving And Insurance Information Ready

Provide your car insurance provider with the following information :

  • Driver’s license
  • Make, model and year of your vehicle
  • Number of licensed drivers in your household
  • How many drivers for each vehicle
  • Vehicle usage: personal, business, both
  • Number of claims you’ve had
  • Any moving violations in the last 3 years
  • Insurance coverage and liability you need


How Long Does It Take To Get A Car Insurance Quote?

Getting a quote is fast and easy. In about 5 minutes or less, you can quickly compare quotes from multiple car insurance companies. 5 minutes could save you $500! Do you have 5 minutes to spare?


Try An Ontario Car Insurance Calculator

How Is Car Insurance Calculated In Ontario?

Using a car insurance calculator allows you to easily compare car insurance options and understand what the market has to offer. It allows you to make an educated decision about your car insurance, ensuring that you make the best decision possible when renewing your policy.

Insurance companies change their rates frequently so using a car insurance calculator to get an estimate and assess your options is becoming even more important. Learn our Ontario car insurance calculator and how it helps you more efficiently compare auto insurance options and save.


Driving In Ontario – Graduated License System

Ontario has a graduated license system. All drivers must successfully complete all levels to become a fully licensed driver.

Here is a quick breakdown of the Ontario Graduated Licensing System :

What Is The Minimum Legal Driving Age In Ontario?

In order to qualify for a drivers license and to be able to drive, you must be 16 years of age.

G1 Driver’s License

The G1 is your learners permit. You must be at least 16 and pass a written test. To drive you must be accompanied by a full licensed driver. Driving restrictions apply.

G2 Driver’s License

To get a G2 license, you must have your G1 for one year (8 months if you complete driver training). You must pass the G1 exit road test. Driving restrictions apply.

Full G License

To get a full license you must have your G2 for at least one year. You must pass the G2 exit test. No driving restrictions apply if you are over 21.

Does Adding A G1 or G2 Driver To My Insurance Affect Premium Costs?

Adding a new driver to your policy will increase your insurance costs. Teenage drivers with a G1 or G2 have the highest insurance rates. If you are adding a new driver to your policy, ensure they complete driver training to qualify for an insurance discount.

Learn more about Ontario's graduated licensing system.


Make Sure You Compare "Apples To Apples" When Comparing Car Insurance Quotes And Coverage

Car Insurance Ontario Quotes Online

When you compare car insurance coverage options, it’s important to ensure you are comparing the same thing. As they say, you need to compare apple to apple to get an accurate comparison.

Make sure that you use the same coverages, deductible amounts, vehicles and driver information for the car insurance quotes you get. These things impact your quote. If you don’t use the same variables, you won’t be able to accurately compare the prices you are quoted.

When you use the same information to compare quotes, you’ll have a more accurate assessment of which are the cheapest rates and the coverage options that you should consider. If you’re in doubt, an insurance expert can help you compare insurance coverage.


Ontario Car Insurance FAQs

Still have questions about Ontario car insurance? Check out these frequently asked questions and answers about auto insurance :

Working with an auto insurance expert is the most effective way to get a car insurance quote. They have access to many private insurance providers, helping you find the coverage you need at the best rates. Get a quote online or call to compare your options.

Yes. Drivers in Ontario can choose usage based insurance coverage to help lower their insurance premiums.

Yes. Ridesharing insurance is available for drivers on Ontario who work for Uber, Lyft, and other ridesharing services.

Yes. Ontario operates under a private insurance system. Drivers get car insurance through private insurance companies.

Yes. You are required to show proof of auto insurance coverage to register any type of vehicle in Ontario.

The cheapest cars to insure in Ontario change on an annual basis. Insurance friendly vehicles have strong safety ratings, are not expensive to repair, and are not frequently targets for theft. Compare car insurance quotes to see which vehicle is the cheapest for you to insure.

Yes. As long as you have permission and the other driver has insurance coverage on the vehicle, you can drive it. Insurance coverage follows the vehicle, not the driver in Ontario.

New drivers pay some of the highest insurance rates in Ontario. You can expect to pay higher than the average car insurance rates. Your insurance costs will depend on many factors such as your age, type of license, the vehicle you drive, and more. Get a car insurance quote to compare your coverage and cost options.

There is no one insurer provider that offers the lowest rates. Insurance costs vary from insurer to insurer. Insurance costs are assessed differently by each insurance company. This is why it’s so important to compare auto insurance quotes. Shopping around is the only way to find the best rates.

Your insurance policy is attached to the vehicle, not the driver. Therefore, anyone you give permission to can drive you vehicle. Any driver you permit to drive your vehicle will be covered under your policy. This also means that if the driver gets into an accident, the claim will go on your insurance record.

Now is always a good time to get a quote. The best times to compare car insurance quotes is when getting insurance for the first time, when your policy is up for renewal, or when your driving situation changes.

Yes. As outlined in Ontario car insurance rules, all drivers are required to a minimum amount of auto insurance coverage.

Getting car insurance is easier than you think. At ThinkInsure, you can get car insurance by comparing quotes online or over the phone. Simply speak to our insurance professionals, provide us with your information and we’ll shop for car insurance for you.

Students can get cheaper can insurance by completing driver education, maintaining a good GPA, and getting added as an occasional driver on their parents’ insurance policy.

Rural town and cities with less traffic and vehicles tend to have the cheapest car insurance in Ontario. There is less risk associated with driving in smaller cities.

Working with an insurance expert is the most effective way to get the cheapest car insurance in Ontario. Our team can help you quickly compare quotes and save.

The cheapest auto insurance in Ontario is the minimum required coverage. Even though it may be cheaper, you could be exposing yourself to greater risk and you may not have coverage for all types of claims.

Auto insurance rates in Ontario are some of the highest in the country. One of the main reasons why car insurance is so expensive is the frequency of insurance fraud. This significantly increases claims costs and rates.

Car insurance rates for new drivers in Toronto are higher than for the average driver. The fact that you’re a new driver and live in Toronto will increase your rates. Compare quotes and shop around to find the best auto insurance policy prices.

There is not a single insurer that offers the cheapest rates. The company with the best rates depends on the type of coverage you need, how they determine rates, how they assess risk, and many other factors. The best way to find the lowest rates is to compare car insurance quotes and comparison shop.

Ontario car insurance policies are made up of four different types of coverage. These are mandatory forms of coverage. They are third party liability, statutory accident benefits, direct compensation property damage (DCPD), and uninsured automobile coverage. There are also a variety of optional coverages you can add to your policy for greater protection.

While rates are set by insurance companies, they must be approved by the FSCO and Superintendent of Financial Services.

Auto insurance rates can change often, usually quarterly. Rate changes are often a result of an increase in claims costs. When they rise or fall, rates do the same. Other factors such as changes to coverage, regulations, and new discounts also affect rate changes in Ontario. All rate changes must be approved by the FSCO.

ThinkInsure takes pride in helping people save on their car insurance and keeping our roadways safer for everyone. We update our site regularly with information and tips on insurance savings, driving safety, news and much more.

The most affordable car insurance in Ontario is a basic policy. This policy has the minimum amount of required coverage - $200, 000 in third party liability coverage and DCPD.

While there is not one specific city that has the lowest car insurance rates, there are many factors that contribute to more affordable rates in certain regions. Less traffic and congestion, smaller communities, less reported theft and fraud, and areas with a higher percentage of affordable vehicles all help contribute to more cost effective car insurance rates.

We all know the GTA is the most expensive region. Smaller communities in rural areas tend to have the most affordable rates. Areas in Southwestern and Northern Ontario tend to have better auto insurance rates.

All new drivers will have higher than average rates. With that being said, our we can help new and young drivers find the most affordable rates, given their current driving status. Simply contact us for a quote to explore your car insurance options.


Car Insurance News And Blog

ThinkInsure takes pride in helping people save on their car insurance and keeping our roadways safer for everyone. We update our site regularly with information and tips on insurance savings, driving safety, news and much more.

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Car Insurance For All Types Of Ontario Drivers

There are many different types of drivers in Ontario who need different types of auto insurance. With our large selection of insurance companies we can get drivers the coverage they need at the lowest rates.

Over 50 Drivers Young Drivers New Drivers High Risk Drivers Uber Drivers


Car Insurance Quotes By Province And City

We are a licensed Alberta and Ontario car insurance provider. So if you are an Alberta or Ontario driver we can get you coverage. Since we work with so many insurance companies you'll be able to compare multiple quotes for your region and get the lowest rate.

Alberta Ontario Barrie Belleville Brampton Brantford Burlington Calgary Cambridge Edmonton Etobicoke Fort McMurray Grande Prairie Guelph Hamilton Kingston Kitchener-Waterloo Lethbridge London Markham Medicine Hat Mississauga Newmarket North Bay Peterborough Red Deer Richmond Hill Oakville Oshawa Ottawa Sault Ste Marie Scarborough St. Catharines Sudbury Thunder Bay Toronto Vaughan Windsor


Auto Insurance Quotes By Car Brands

Audi Insurance BMW Insurance Dodge Insurance Ford Insurance General Motors Insurance Honda Insurance Hyundai Insurance Jeep Insurance Kia Insurance Lexus Insurance Mercedes Benz Insurance Nissan Insurance Subaru Insurance Tesla Insurance Toyota Insurance Volkswagen Insurance


Save With The Best Car Insurance Companies In Ontario

We can get you coverage from the top car insurance companies in Canada and Ontario. With over 40 insurance partners we can compare the cheapest insurance quotes to save you money. Here some of the insurance companies we work with :

Allianz Insurance Aviva Insurance Berkley Canada Insurance BMO Insurance Blue Cross Insurance Canada Life Insurance Chieftain Insurance Chubb Insurance Coachman Insurance Commonwell Mutual Insurance Creechurch Insurance Desjardins Insurance Economical Insurance Echelon Insurance Encon Insurance Equitable Life Insurance Green Shield Canada Insurance Hagerty Insurance Humania Assurance Industrial Alliance Insurance Intact Insurance Ivari Insurance Jevco Insurance Manulife Insurance Markel Canada Insurance Novex Insurance Pafco Insurance Pembridge Insurance Perth Insurance Premier Marine Insurance RBC Insurance SGI Insurance Sun Life Insurance Travelers Insurance TuGo Insurance Unica Insurance Wawanesa Insurance

Learn more about the insurance companies that we work with.

Compare Ontario auto insurance quotes by calling us at 1-855-550-5515 OR click and compare quotes online. Start saving today!


Ontario Car Insurance Testimonials

"After being with the same insurance company for years, it was a smart financial decision for us to change our car insurance plans to Thinkinsure. Saving money these days is more of a priority than ever before for us."

Mary & Bob, Toronto, Ontario

"I was expecting a big hassle when I was choosing and purchasing car insurance but I found it very easy. I have had a couple of reasons to call my dedicated broker in the past and always had prompt and very courteous help over the phone. Yes I would recommend Thinkinsure to everyone, in fact I have."

Dave, Mississauga, Ontario

"Quite easy to apply, lots of choice, easy to buy and easy to renew. A user friendly experience."

Manny, London, Ontario

"Thinkinsure's website was so simple to use. In a few minutes I had multiple car insurance quotes and a few minutes later I was speaking and locking in the best rate. I would recommend Thinkinsure's auto insurance to a friend."

Sonya, Ottawa, Ontario

"We have been with Thinkinsure for over 10 years now and haven't had a problem with them the entire time. And I like my assigned account manager-Broker, Gavin. He's always there when we call."

Paul, London, Ontario

"If you're new to car insurance, want to switch to a different auto insurance company or looking for a low car insurance rate, choose Thinkinsure. By shopping for lower car insurance rates, you could save hundreds on your auto insurance."

Hilary, Kitchener, Ontario

"Been with Thinkinsure for over 10 years now and haven't had a problem with them the entire time. And I like my assigned account manager. He's always there."

Andrew, Toronto, Ontario



ThinkInsure.ca - Compare Cheap Ontario Car Insurance Quotes