Jamie MacDonald
2026-05-07 14:59:32
★★★★★
Dylan Smith was a fantastic rep! Enjoyed our conversations and he was incredibly helpful and quick to get my policy replaced with a new one. Thank you.
Protect yourself and vehicle with the right type of auto coverage
ThinkInsure makes it easy for Canadians to compare and buy the right car insurance coverage. With one dedicated team, we help you find protection that fits your vehicle, driving habits, and budget.
Whether you are insuring your first car, renewing your current policy, or looking for better car insurance coverage options, we are here to help. From basic liability to comprehensive and collision coverage, we guide you through your choices so you can feel confident behind the wheel.
We also offer coverage for specialty vehicles. Compare coverage options from top Canadian insurance companies and choose a policy designed for the way you drive.
Types of car insurance quick facts
- ThinkInsure compares car insurance coverage from Canada's top insurance companies.
- Comparing coverage options through ThinkInsure is 100% free with no obligation to buy.
- Helping Canadians compare and buy insurance coverage for over 50 years, rated 4.7 stars across 1,500+ Google reviews.
- Many drivers save by comparing coverage. Premiums vary significantly by carrier, even for the same coverage.
We've got you covered for all types of auto coverage needs
ThinkInsure will help you find the best auto insurance coverage to protect you while you are behind the wheel. We will make sure you get the best value for your policy and save.
Mandatory car insurance
All drivers must have car insurance in Ontario to drive. At a minimum, you need $200,000 in third-party liability coverage, accident benefits, and uninsured motorist coverage. It is recommended that drivers increase their liability coverage and add optional coverage to stay protected in all driving situations. Compare car insurance quotes for mandatory coverage from Canada's top providers, including coverage for high-risk drivers who have unique needs.
Optional car insurance
Optional car insurance coverage can be added to your policy to expand your protection. You can increase existing coverage limits and add extra coverage for a range of driving threats and liabilities. The most common optional coverages are collision, comprehensive, and DCPD, and we can help you choose from a wide range of extra coverage to meet your specific driving needs.
How to compare car insurance coverage
1
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2
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3
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Choose the best rate and confirm your policy details with us.
Helping drivers save on auto insurance!
Mandatory and optional types of automobile coverage
Types of mandatory car insurance coverage
Third-party liability (TPL)
Covers claims against you from an at-fault accident. Basic plans start at $200,000, and you can increase coverage to $2 million. Most drivers carry at least $1 million.
Learn moreAccident benefits
Protects drivers and passengers injured in an accident, including costs above OHIP, such as medical, rehabilitation, attendant care, and income replacement. As of July 1, 2026, some benefits will become optional.
Learn moreUninsured motorist
Covers you if you are injured by an uninsured driver or in a hit and run. Standard coverage is $200,000, and you can increase it up to $1 million.
Learn moreTypes of optional car insurance coverage
Collision insurance
Provides protection if you are in an accident with another vehicle or object. It covers the cost of repairing your vehicle.
Learn moreComprehensive car insurance
Protects you from loss in a non-driving event, paying to repair your vehicle after vandalism, theft, weather damage, and other non-driving damage.
Learn moreAll perils insurance
Combines collision and comprehensive protection. You are covered against all threats unless they are specifically excluded from your policy.
Learn moreSpecified perils car insurance
Covers only what is specified or named in your policy. Anything not listed is not covered. It is a more affordable option than comprehensive.
Learn moreDirect compensation property damage
Covers damage to your vehicle in collisions that are not your fault. Loss of use coverage is also included.
Learn moreAccident forgiveness
Protects drivers after a first at-fault collision, so your premium does not increase after your first at-fault accident.
Learn moreMandatory vs optional coverage compared
Not sure how the two types differ? Here is a side-by-side comparison of mandatory and optional coverage:
| Feature | Mandatory coverage | Optional coverage |
|---|---|---|
| Required by law | Yes | No |
| Purpose | Basic protection and legal compliance | Enhanced financial protection |
| Customization | Limited | Highly customizable |
| Cost | Lower (minimum required) | Additional premium costs |
| Coverage scope | Covers others primarily | Covers your own vehicle and broader risks |
Additional coverage endorsements (OPCF)
Ontario Policy Change Forms (OPCFs) are endorsements you can add to customize your coverage. Here are some of the most common:
| Endorsement | What it does |
|---|---|
| OPCF 19A: Agreed value | Guarantees payment of the full pre-agreed value of your vehicle in a total loss. |
| OPCF 20: Transportation replacement | Provides transportation while your vehicle is being repaired. |
| OPCF 23: Lienholder protection | Protects lienholders in total loss situations, with direct insurer payment up to the loan amount. |
| OPCF 27: Rental car coverage | Physical damage protection for vehicles you drive that are not your own, including rentals. |
| OPCF 28: Reducing coverage for named persons | Lets you remove someone you live with from your policy to help reduce premiums. |
| OPCF 39: Accident forgiveness | Protects your driving record and rating after a first at-fault accident. |
| OPCF 43: Waiver of depreciation | Removes your insurer's right to deduct depreciation when settling a claim. |
| OPCF 44R: Family protection | Protects you if an at-fault driver does not have enough coverage to compensate injured victims. |
| OPCF 49: Agreement not to recover | Removes direct compensation property damage (DCPD) coverage from your policy. |
Types of coverage for Alberta drivers
Car insurance requirements for coverage can vary between provinces such as Ontario and Alberta. While Alberta offers similar coverage, the rules, coverage, and policy options differ. Learn more about Alberta car insurance coverage if you live in the province.
Why choose ThinkInsure for your auto coverage?
We've served the Ontario insurance market for over 50 years.
RIBO licensed advisors to assist you with all your insurance needs.
Compare types of coverage and rates from our large selection of auto insurance providers.
Get exceptional customer service. We like happy customers and have a 4.7/5 Google rating.
Auto insurance coverage types FAQs
All drivers have unique driving needs. Choosing the right amount of car insurance coverage is about balancing legal requirements, financial protection, and personal risk tolerance. While minimum coverage may be enough to drive legally, it may not fully protect you if you are in a serious accident. Choose the amount of coverage that gives you the protection you need based on your driving habits and fits within your budget. Speak with our insurance experts if you have questions.
Full coverage refers to a policy that includes mandatory coverage as well as collision and comprehensive coverage. It does not mean you are protected from everything or that your limits are maxed out. It is ideal for drivers with new or expensive vehicles and those who want peace of mind knowing they are covered.
It is not required, but it is highly recommended. Mandatory coverage provides basic protection for limited situations. Optional coverage expands your financial protection and allows you to customize your policy to meet your specific driving needs.
No. While auto insurance is mandatory nationwide, each province and territory sets its own rules, coverage requirements, and system structure. Things that can differ include the insurance system (public or private), mandatory coverage requirements, minimum liability requirements, coverage limits, the types of optional coverage available, and the types of car insurance discounts on offer.
Yes. Generally, insurers let you increase or decrease policy limits, add or remove optional coverage, adjust your deductible, add or remove drivers, and update how you use your vehicle. You cannot change mandatory coverage, and any changes must still meet the requirements of your financing or lease agreement.
5 star auto insurance reviews
KCAP KCAP
2026-05-07 14:46:38
★★★★★
Big shout out to Darryl for helping me out and turning a sour experience to a splendid one Shubham left me in the wind for a couple days even after I had a his team member reach out to him and left a voicemail . Called back the next day and Darrly handle everything on the spot so thank you Darryl
Zhiqing Xu
2026-04-30 20:06:56
★★★★★
Had a great experience with Sohel Rahman. The whole process is easy and clear without any unnecessary back and forth. Got the insurance exactly as I wanted in 1 day. Highly recommended!
Chris Arsenault
2026-04-21 20:09:51
★★★★★
Great experience with Todd Allen at ThinkInsure. Very professional and helpful. Thanks Todd!
Russell Turner
2026-04-21 14:26:53
★★★★★
Gabe was great and looked after my issue
Sandy Kerr
2026-04-19 13:47:28
★★★★★
I would like to recognize our Broker, Jeff Plesman to thank him for always providing us with outstanding and professional customer service. Thank you so much Jeff, we appreciate you. ;-)
Tony Sturino
2026-04-17 20:37:33
★★★★★
Gabe, as usual takes care of my demanding insurance issues, very professional, I like the way he calls to update me on any new features Thanks again
Anna Kacina
2026-04-16 15:29:05
★★★★★
Excellent service, great price
Talk to an advisor about your coverage types
With mandatory and optional coverage types to choose from, building the right policy can be confusing. Our RIBO licensed advisors can help you choose the right mix for your situation and find you the best rate.
Personalized coverage
Our advisors help you build a policy from the right mix of mandatory and optional coverage for your vehicle, your budget, and how you drive.
Compare multiple quotes
We instantly compare coverage and rates from our large selection of insurance providers to find you the lowest price.
Get your auto policy
Choose the provider that offers the best coverage and rate for your needs. We often can get you insured the same day.
Speak with an advisor today!
Call us if you have questions about which coverage types to add, your limits, or endorsements. We often can get you insured the same day.
Get expert savings advice
Start with the mandatory coverage you are required to carry, then add optional coverage based on your vehicle value and how you drive. For most drivers, collision and comprehensive are worth it, and increasing your liability limit above the minimum costs little. Compare a few quotes before you decide.
Wasim Khan
Insurance Broker (RIBO)
Want to save on your auto policy? We can help!
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Sources
The information on this page is for general guidance about the types of car insurance coverage in Canada. Mandatory coverage requirements, limits, and available options vary by province and territory and can change, so the figures here are provided as a reference. For regulatory details on Ontario auto insurance, see the Financial Services Regulatory Authority of Ontario (FSRA). Speak with a ThinkInsure RIBO licensed advisor to confirm what applies to your policy.
Nolan Wilson
Content Marketing Manager
Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.
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There are situations where you will want or be required to have additional insurance, often in the form of optional enhancements called the Ontario Policy Change Form (OPCF).
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