Getting the best auto insurance quotes in Ontario is important as rates continue to rise. Car insurance rates are higher in Ontario and can vary significantly between providers. That's why ThinkInsure offers cheap car insurance for Ontario drivers from the top providers in Canada. We have flexible coverage options and will help you find the lowest car insurance premiums in the Ontario marketplace.
So, no matter where you live in Ontario or what kind of driver you are, we've got cheap auto insurance for you. Find better savings by comparing car insurance quotes from multiple companies in just a couple of minutes. Enter some basic driving information and you can quickly compare cheaper rates online for free. Our licensed brokers will help you get proper coverage while finding you the most affordable Ontario car insurance policy.
Keep reading to learn about how car insurance works in Ontario and find out all the ways you can save on your auto insurance quote.
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I started at 11 and was done and insured on my car before 3pm today March 30th Wednesday! I’m so excited and ecstatic that I’m back on the road, all thanks to the best man on the team Daryl Fardy!
He was even willing to work with me a little extra long, if I needed which we did not. The service was absolutely amazing, I highly recommend Daryl Fardy.
Was provided excellent help from Kimberly Laidis, all my questions and help I needed were provided by her fast and friendly!
I called and spoke to Ryan Arcuri To get insurance he went above and beyond because I was going to lose my insurance and in an hour he got me what I needed thanks again
Great place, quick, easy to deal with, I dealt with Darryl Fardy, very professional!
I was helping my mother insure her car and home with ThinkInsure. Ryan Arcuri was patient and very helpful. He made took us through the steps to get coverage and cancel our existing policy. I would go back to Ryan with any future insurance needs.
Darryl was awesome. Quick easy gave me the best price in town.
Darryl Fardy made my experience with think insure amazing. He's friendly, informative and dependable. Would definitely recommend him to others.
Great service from the get go. Dave answered all of my questions and even found a few mistakes that I made in my initial quote request, which ended up lowering the initial price. He found the best price and I recieved all documents in a timely manner.
I would recommend, especially if you are a "high risk" situation, which I was.
How to compare cheap car insurance quotes in Ontario
Just follow these quick and easy steps to see the lowest car insurance quotes in Ontario.
1) Start your quote
Enter your postal code and some basic information.
2) Enter your driving details
Provide your driving and vehicle information.
3) Compare the cheapest quotes
See quotes from the leading companies in Canada.
Choose your policy
Choose the cheapest rate. Confirm the details with our experts and get insured.
All drivers are subject to auto insurance rules in Ontario. These rules are in place to help regulate drivers and insurers. They define eligibility, policy requirements, how to buy, claims, proof of insurance, cancellation and more. They outline consumer rights and responsibilities. Breaking these rules could result in fines, cancellation, increased premiums, and even criminal charges.
Here are some important things to know about how car insurance works in Ontario.
Ontario vehicle owners must have car insurance to drive on provincial roadways. It is a legal requirement. The penalty for driving without insurance includes fines ranging from $5,000 to $50,000. You could also have your licence suspended for up to one year, vehicle impounded and face increased insurance premiums.
Auto insurance in Ontario and other parts of Canada is required as a means of protection for all drivers. It provides a minimum level of financial protection for those involved in accidents. Without mandatory insurance, some would not have the resources to cover the cost of repairs or healthcare for accident-related injuries.
There is a minimum amount of mandatory coverage required which is part of a standard basic policy. This includes:
Third-party liability (TPL)
Accident benefits (AB)
Direct compensation property damage (DCPD)
Uninsured motorist insurance
You can also add optional coverage:
The Ontario car insurance market operates under a private model. You must purchase your policy from private insurance companies via an insurance broker or agent.
No-fault does not mean no one is at-fault for an accident. No-fault insurance means that each driver goes through their insurer when a claim is made. This is regardless of who is determined to be at-fault for the accident.
You are not automatically eligible for basic car insurance in Ontario. You must meet a series of residency rules to be eligible to get a standard personal use automobile policy:
You must reside in Ontario and be a Canadian resident.
You must have a valid Ontario driver’s licence (G, G2, G1).
Anyone listed on the policy must have a valid licence.
Your vehicle is to be used for personal use only. You will need commercial auto insurance if you use your car for business purposes.
Your vehicle must be roadworthy and pass a car safety inspection. Any modifications must be reported to your insurer.
You do not have previous fraud convictions.
No serious past convictions or payment issues on your driving record.
You must fully disclose all information about yourself, vehicle and driving history.
Auto insurance in Ontario is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). They are a branch of the Ministry of Finance. Insurers cannot increase rates without approval from FSRAO. They can apply to increase or lower premiums on a quarterly basis. The amount of the increase can fluctuate. For example, a company may request an increase because they experienced a large increase in claims payouts because of a severe weather event or increase in collisions. Rate hikes help to offset these costs.
All drivers have certain rights under the Insurance Act
You have the right to purchase car insurance coverage, to be treated fairly and to change or cancel your policy. You also have responsibilities as an insured driver. You are responsible to show proof of insurance, pay your premiums on time, and provide accurate information to your insurance company.
If you are involved in an auto accident that involves significant damage or injury, you need to report it to your insurance company. Report it as soon as possible to start the car insurance claims process.
Here is how the basic process works:
Report the accident to the police or accident reporting centre.
Open a claim by providing the accident information to your insurance company.
An adjuster will be assigned to your case to determine fault.
Get an estimate for the repairs. Determine if repairs are needed or the vehicle is a total loss.
Your insurer will determine who is at-fault.
Your automobile is repaired.
The claim will be closed.
If you are found to be at-fault, your rates will likely go up on renewal.
Claims with injuries can require additional steps. Speak with your provider for more details about the specific steps they required.
Mandatory auto insurance coverage in Ontario
Ontario auto insurance policies have different levels of coverage. You must have a minimum amount that is included in a standard policy. It may not be enough to fully cover the costs of an accident, injuries, and lawsuits. Standard policies cover the repair or replacement of your vehicle, medical expenses, and liability.
There are four types of mandatory auto insurance coverage required by law in Ontario that is included in your basic plan. This applies to vehicles that are leased, financed, or owned.
You must have a minimum of $200,000 in third-party liability insurance. This covers you in the event you cause damage or injure someone. For example, you cause a collision and damage city or private property. TPL would cover you in this situation.
You can have a higher amount of third-party liability coverage. Most have at least $1 million in coverage, but you can increase it to $2 million for more protection.
Scenario: You are driving home from work in a rainstorm. The vehicle in front of you comes to a sudden stop, you were following a little to close. You hit the brakes but your car hydroplanes and rear end the vehicle in front of you. The accident is your fault. The driver and passenger of the other vehicle are hurt in the crash. They decide to sue you for medical costs and damages.
How third-party liability protects you: This coverage will cover the costs of the medical bills of the other drivers, damage to the other vehicle, legal fees and any damages awarded. You have protection up to your policy limit.
You will receive certain medical benefits and other expenses if injured or killed in an auto accident. You can purchase additional accident benefits and change your limits.
Here is the minimum included:
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.
Scenario: You are driving to the grocery store on a Saturday morning. You are driving through a busy intersection when another vehicle runs a red light and T-bones your vehicle. You have extensive injuries to your back and shoulder, preventing you from working.
How accident benefits protect you: This coverage provides you with financial compensation while you recover. You will receive payments to cover the costs of physical therapy and treatments to help your shoulder and back heal. You will also receive income replacement while you are unable to work. You can also receive compensation for caregivers if required.
Direct compensation property damage covers damage to your vehicle in a collision where you are not at-fault. For this to take effect, the accident must occur in the province and must involve another insured vehicle.
Scenario: You are on your way home from visiting relatives out of town. Its winter and the road conditions are not ideal. Its snowing and the roads are slick. The vehicle in the lane beside you loses control and side swipes your car, causing significant damage to your car. Its no longer drivable and it gets towed to the shop. The other driver is 100% at fault for the collision.
How DCPD helps: This will cover the costs to repair your vehicle. You will work with your insurer directly. You’ll also be provided with a loaner car while your vehicle is in the shop being repaired.
Also called uninsured automobile coverage, this protects you in the event of injury or death by an uninsured motorist. You have $200,000 in coverage.
It also applies if you’re involved in a hit and run or if the other driver is unidentified.
Scenario: You are involved in a fender bender with another vehicle. The other driver is the cause of the accident. You get out to talk with the other driver and you find out they do not have valid insurance. They are an uninsured motorist.
How uninsured motorist coverage protects you: Your insurer will cover the costs to repair your vehicle. You will not be stuck having to pay for repairs out of pocket.
Optional car insurance for Ontario drivers
You can add extra auto insurance in Ontario that is above the minimum coverage amounts. There are also different types of optional coverage available for better protection:
There are a lot of threats to your vehicle when it’s parked in the driveway, in a parking lot or on the street. It’s not just when you are driving that you have to consider. Comprehensive insurance protects against non-collision damage. This includes vehicle damage from weather events, theft, vandalism, fire, earthquake, and falling objects. For example, you’ll be covered if a tree falls on your car or if it is scratched in the parking garage. While options, this may be required by auto lenders if you lease your vehicle.
Scenario: Your vehicle is parked in the driveway. Overnight, a big storm passes through your neighbourhood. Lightning strikes a nearby tree and a large branch falls onto your car breaking the windshield and causing damage to the roof and hood.
How comprehensive helps: Since this coverage protects you from non-collision damage, your insurer would cover the damage, up to your plan limit. You would have to pay a deductible. But, without comprehensive, your insurance would not cover the damage and you would have to pay for repairs out of pocket.
Collision insurance (upset coverage) protects against damage from a collision by another vehicle or object. This applies to most types of collisions where you are fully or partially at fault. For example, you back into another vehicle when backing out of your driveway.
Scenario: You are at the mall. You are backing out of a parking spot, and you hit a light pole. You cause a significant dent in your bumper. It needs to be replaced because your trunk won’t open properly anymore.
How collision helps: This will cover the cost of the damage. Most people assume that standard car insurance in Ontario will cover collision damage. It will if you are didn’t cause the collision. But if you have fault, and do not have collision, you may not be covered.
Specified perils protect against pre-defined risks named in your policy. This can include theft, fire, wind, hail, water, and other types of damage.
If a peril is listed, you have protection. If it is not, you will not be covered. Even though it may be cheaper than comprehensive insurance, you could open yourself up to greater exposure to threats.
Scenario: You head downtown for dinner on a Friday night. You park at a public lot and then head off to have your meal. When you return, your vehicle is not where you left it. It’s nowhere to be found. Someone has stolen your car.
How specified perils coverage helps: Luckily, you included theft as one of the perils that are covered under your policy. Your insurance will help cover the costs of damage or to replace your vehicle if its not recovered. If you chose not to include theft, you would not have coverage.
All perils combine comprehensive and collision. You are covered for all types of risk unless they are explicitly excluded.
This is the most thorough type of plan. You will have peace of mind in knowing you are covered for most things. But, if you see an exclusion listed, you are not covered. For example, if earthquakes are listed as an exclusion, you will not be covered for damage to your automobile because of an earthquake.
Scenario: Your 14-year-old teenage son decides to take your car out for a joyride around the block with some friends. They lose control and drive into a ditch, damaging the car in the process.
How all perils helps: This combines collision and comprehensive. It also provides protection if someone in your household steals your vehicle. So, you would have coverage for the damage they caused.
Emergency roadside assistance is a service that covers you if your vehicle has mechanical issues or breaks down. You can add it to your plan to five you peace of mind in knowing you can get help when you need it most. It is offered by many providers as an additional service. It can also be purchased separately from CAA or other providers.
Scenario: You are driving down a busy road during rush hour traffic. You hit a pothole when changing lanes and get a flat tire. You pull over to the side of the road and cannot drive your vehicle any further.
How roadside assistance helps: Call the number provided by your insurer to assistance. This service will cover the cost of the tow truck.
There are also optional Ontario Policy Change Forms (OPCF) or endorsements that drivers can add for optional coverage. The most common OPCF endorsements that people add are:
OPCF 27: This allows you to drive another person's vehicle and is also known as Legal Liability For Damage To Non Owned Automobiles.
OPCF 20: This covers expenses for a rental car if your vehicle is being repaired or replaced after an accident.
OPCF 43: Also called Removing Depreciation Deduction, this endorsement removes depreciation from the value of a claim settlement when a vehicle is a total write-off.
Accident forgiveness / OPCF 39: Accident forgiveness is sometimes included by some insurers as part of a plan. It can also be added as an optional endorsement called OPCF 39 which forgives you for your first at-fault accident.
OPCF 44: The Family Protection endorsement covers you or a family member with additional protection if you are in an accident with an at-fault driver who is underinsured or has no coverage.
OPCF 44: The Family Protection endorsement covers you or a family member with additional protection if you are in an accident with an at-fault driver who is underinsured or has no coverage.
Tips to get cheap Ontario car insurance
We all want to find the cheapest car insurance in Ontario and lower our premiums. Here are some great tips for better savings:
Compare to find the best quotes: Car insurance quotes vary between providers and change often. Shopping for rates with multiple companies is the best way to find the lowest price.
Bundle policies: Combine your auto and home insurance with the same company and enjoy discounts up to 20% or more.
Look for discounts: There are many different types of insurance discounts. Ask your insurer which discounts you qualify for and see how much you can save.
Use winter tires: Install winter tires and save with up to a 5% discount.
Multi-vehicle discount: Have all your vehicles together with the same insurance company and receive up to 15% in discounts.
Don't drive as much: You can save a lot by driving less. Consider using public transit to go to work and tell your insurance company.
Don't have more coverage than you require: Make sure you only have the amount of coverage you require and don't pay for extra protection. If you drive an older vehicle consider dropping optional coverage to save money.
Increase your deductible: Your deductible is the amount you pay if you make a claim. If you increase it from $500 to $1,000 you could save up to 10%.
Drive a safe vehicle: Driving a vehicle with a high safety rating will help keep you costs down. You have a better chance of staying accident and claims free by driving a safer vehicle.
Review your policy each year: A lot can change in a year. Review your plan each year prior to renewal. Does your coverage match your needs? Has there been a change in your driving history?
Pay annually: Pay your annual premium in advance to avoid administrative fees. You may also get a discount for paying in full.
Take drivers training: Completing a drivers training course with a government accredited driving school helps to lower your rate.
Install a dash cam: Even though it will not lead to direct savings, a dashboard camera can help settle disputes related to collisions, indirectly saving you money by proving who was at fault. It can also help protect you if you were targeted by fraudsters.
How much is car insurance in Ontario?
The average cost of Ontario car insurance is $1,655 according to the Insurance Bureau of Canada (IBC).
How much you pay for car insurance in Ontario is unique to your situation. Rates vary greatly based on your driving record, insurance history, and location. A good driver with a clean record can pay significantly less than someone with tickets or at-fault accidents on their record. It literally pays to drive safely.
Your location is also a key factor. Car insurance in Toronto and other large cities like Mississauga or Brampton can be more expensive than the provincial average. There is more traffic and risk associated with these regions. Rates tend to be cheaper in more rural areas and in the Northern part of the province.
How much is car insurance per month in Ontario?
Your monthly insurance prices in Ontario are based off your annual premiums. At the average cost of car insurance being $1,655, this means your monthly payment would be approximately $138.
Ontario auto insurance rates continue to rise
Auto insurance rates in Ontario have been rising for some time. However, there was a slight decline in 2021.
“In March, 2021, the largest auto insurers comprising more than 95% of the Ontario market voluntarily committed to additional rate reductions for their customers,” says FSRAO.
Here’s an overview of premium changes from 2008 to 2020:
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How do Ontario car insurance premiums differ from other provinces?
Ontario is the second most expensive province to purchase car insurance in behind British Columbia. Annual premiums increased by $129 in 2020 to $1,634 from $1,505 in 2019. See how much drivers pay compared to other provinces in Canada in 2019.
Car insurance companies can apply to have their rates increased in Ontario. The increases must be approved by the Financial Services Regulatory Authority of Ontario (FSRAO). This occurs because of changes in offerings or expenses. Requests for changes must be reasonable. The FSRAO can require providers to lower rates when system changes occur.
Here is a summary of rate changes for the last few years that were approved.
Overall Rate Change
Why do Ontario auto insurance rates keep going up?
Ontario auto insurance rates continue to go up. Why is it so expensive? Automobiles are more sophisticated and expensive to repair or replace. Insurance companies are paying out more. Here are the top factors:
Inflation: Operating expenses rise each year due to inflation and other economic considerations.
Crime: More crime and fraud are increasing the amount providers have to payout.
More collisions: The number of claims submitted each year is on the rise. Distracted driving is one of the main causes of collisions in the province.
Costs for repairs: The cost of expense repairs continues to go up as vehicle features and technologies become more sophisticated.
What factors impact Ontario car insurance quotes?
Insurance companies in Ontario can use many things to determine your car insurance quote. Here are some of the key considerations that impact your rate:
Experience behind the wheel: Experienced drivers are less likely to be in a collision compared to novice drivers.
Your age, gender and marital status: Insurers consider personal information such as your age, gender and marital status when determining rates.
Your driving record: A good driving record can make a huge difference in how much you pay. At-fault accidents and traffic violations will increase your quote.
Your car: The type of vehicle, make and model, age, safety ratings, price, theft, and repairs. These all have a big impact on your rate.
Usage: Do you use your vehicle to commute to work? How many kilometres do you drive per year? The less you drive the cheaper your insurance will be.
Your postal code: Where you live is a big factor when companies are determining premiums. If your neighbourhood has higher statistics for claims, your premium will be higher.
Coverage amounts: The type and amount you select will impact your rates. Adding more coverage and endorsements will increase your premium but offers better protection.
Your insurance history: Policy gaps and payment issues will affect insurance history how much you pay.
Claims expenses: Car insurance claim expenses are surging. New technology in cars and more accidents in the province is contributing to the climb. As the costs go up, so do your premiums.
Approved rate changes: Providers are allowed to ask for increases quarterly. These are approved by the FSRAO. They request these increases because of climbing costs and other considerations.
Insurance companies: They determine rates on an individual basis. The provider you choose will impact how your driving profile is assessed. Premiums for the same driver can vary by hundreds of dollars based on the company you choose.
Helping all types of drivers shop for the best car insurance rates in Ontario
Demographics play a role in setting car insurance rates in Ontario. Even though you can’t control your age and current status, you can still find ways to get better insurance by exploring what insurance companies can offer. Learn more about insurance for your demographic:
Ontario car insurance for newcomers and immigrants
One of the many things you will need to get organized as a newcomer to Ontario is your car insurance.
New permanent residents are required by the government to have an Ontario driver’s licence and auto insurance from a provider in the province. This is the case whether you are moving from another province or another country.
You need to exchange your licence from your previous province or country within 60 days of moving. The provincial government officially recognizes licences from many countries, including the United States, Australia, France, Germany, Great Britain, and others.
If your country is not part of the licence exchange agreement with the province, you will have to complete the graduated licencing process.
It is advisable to obtain a record of insurance from your previous insurer. This can help you show proof of your history. It can also help you get cheaper Ontario car insurance. If you have minimal driving experience, limited time as an insured driver or you are getting insurance for the first time, you can expect higher rates initially.
Ontario car insurance for drivers over 50
Being over 50 has its advantages when it comes to getting insurance. A long history of insurance with minimal claims and a clean record will result in extensive savings. People in this age grouping have some of the lowest rates.
As a student, you can benefit from potential discount for having strong grades or being part of a specific post secondary school. But, you’ll experience the most savings when you are on a parent or guardian policy as a secondary driver. This will also allow you to gain the necessary experience you need when you are ready to take out a policy yourself.
Ontario car insurance for drivers with a not so great driving record
Not every driver has a perfect record. And, that’s okay. Whether you’ve had a few accidents, accumulated more tickets than you should have or have other driving related issues, our team can still help you get insured through high risk insurance.
What are the best car insurance companies in Ontario?
It’s understandable for people to want to use the best car insurance companies to find the lowest car insurance rates in Ontario. But it’s challenging to offer up a definitive list of providers because there is so much variation in what they offer in terms of products, claims services, discounts, and coverage options.
Fortunately, we’ve partnered with many of the leading auto insurance companies in the country. Our team has worked closely with these brands for years. Our customers have also built loyalty with these providers over time. Here are some of the insurers we can get you quotes and coverage with:
The most important thing is that you find the car insurance company that is best for you. So, it’s important to get Ontario car insurance quotes from multiple insurers. This way you can see which one offers you the best price and coverage. Get started online or speak with our advisors to help you check prices and select coverage options and ensure you have the right protection to match your driving needs.
What cities in Ontario have the cheapest car insurance?
Where you choose to live matters. Planting roots in a smaller town or rural area will also help you save with more affordable car insurance in Ontario.
Statistics show that less populated areas have fewer cars and accidents, less theft and crime. This means a lower chance of a claim being made. Drivers in towns such as Brockville, Cornwall, Kincardine, Trenton, and Perth have some of the cheapest car insurance.
The further you are from a large city, the less you will generally pay. Here are prices for some of the larger cities in the province:
There is no single company that has the cheapest car insurance in Ontario. Some companies prefer good drivers and others will accept a couple of accidents or tickets. Some offer good prices in cities while others do in rural areas.
Companies also change their rates often based on claims experience and other considerations they use to determine premiums. A good way to find out who has the lowest rate is to compare quotes from multiple providers.
Auto insurance rates in Ontario are some of the highest in Canada.
British Columbia is the only province with more expensive insurance. One of the main reasons why it is so expensive is the prevalence of fraud in the province. This raises the amount paid out by insurance companies for claims.
Other factors include higher car repair expenses and more claims. Get quotes frequently to make sure you are not overpaying.
The make, model, MSRP, safety rating, and chance of being stolen all affect the price of insurance. When it comes to the cheapest car to insure, models like the Honda Odyssey, Jeep Wrangler, and Toyota Prius, and Chevy Silverado are consistently the lowest in their category.
There are many reasons to compare car insurance quotes in Ontario. The most important reason is to save money! Prices change all the time. Companies frequently file to increase or decrease their rates with FSRAO based on claims policyholders make and their overall profitability.
There may also have been some updates to your driving profile such as a ticket falling off your record or maybe you got a new vehicle. Comparing quotes annually from multiple providers is the best way to ensure you are getting the most affordable rates.
Drivers must complete all levels to become fully licenced. The G1 is your learner's permit. You must be at least 16 and pass a written test. A fully licenced driver must accompany you to drive. It is recommended for drivers with this licence to be added to a parents or guardians plan to pay less.
To obtain a G2 licence, you must have your G1 for one year. It can be 8 months if you complete a driver training course. With this licence you can drive alone. Coverage can be expensive because of your age, relative inexperience, and the chance of being in a collision.
To obtain a full G driver’s licence you must have your G2 for at least one year. You must pass the G2 exit test. No restrictions apply if you are over 21. At this point, you will see some savings.
If you are an experienced driver, adding a new driver will cause your rate to go up. Teenagers with a G1 or G2 pay the highest amount. Ensure they take a driving course to qualify for the most savings.
Accident forgiveness is a feature available in Ontario auto insurance. It’s optional coverage that allows you to have one at-fault accident without affecting your rate. It’s a great form of protection to add to your policy. Everyone makes mistakes, right? One mistake behind the wheel could spike your insurance. Accident forgiveness protects your premiums.
It's viewed as a way for an insurance company to reward good driving habits and a having a claims-free record. Not all companies offer this perk. To qualify, you must be in good standing, have a clean record and meet other criteria.
In Ontario, your auto insurance coverage follows the vehicle, not the driver. Anyone you permit to drive your vehicle is insured under your policy. This also means that if they are an accident the claim will go on your record.
For example, you lend out your vehicle to a family member to run to the store to pick up a few things. On their way back from the store they get into a collision. Even though they are a licensed and insured driver, the accident claim would still fall under your policy because your insurance is tied to your vehicle, regardless who is driving it.
It depends on what is included in your policy. The OPCF 27 endorsement, Legal Liability For Damage To Non Owned Automobiles, should be added to your policy. This will cover you if you drive another person’s vehicle. This is often included with comprehensive insurance. If you are not sure if you have this, check with your insurer for clarification.
Yes, there are situations where you can be denied or refused insurance. An insurance company can deny you standard auto insurance coverage in Ontario. Typically, this will happen if you have been charged for driving offences (DUI, careless driving, etc.) have a poor driving record, too many claims, or you have had payment issues in the past.
Even if you are refused, you have the right to receive a written reason why you were denied. If you’ve been denied, there are still ways for you to get car insurance in Ontario. You can still qualify for high-risk insurance or get a policy through the Facility Association.
It is rather straightforward to add a driver to your Ontario auto insurance. You should contact your insurer. Provide them with the driver’s information and licence number. They will ask you some questions about their driving history. Once they are added, your policy will be updated, and your premiums will be adjusted. Remember, adding a driver can increase your costs.
You do not need to add an occasional driver if they are only using your vehicle one time. For example, lending your automobile to a neighbour or a relative who is visiting on vacation. You are required to add licenced drivers who reside in your home and use your vehicle occasionally.
No. Credit score checks are not required to buy car insurance in Ontario. They also do not have any impact on the price of premiums.
Distracted driving continues to be a serious risk to road safety. If you are caught driving while distracted, you can expect to pay higher premiums. Plus, you face further penalties. Fines start at $1,000, a 3-day licence suspension, and 3 demerit points.
After your first conviction, the price could go up to 10% - 20% more. A second conviction could see increases by 30% or more.
Yes. You can be insured with Uber insurance and ridesharing coverage in Ontario. If you are planning to work for a ridesharing service, speak with your insurer. It is important to make sure you have the right coverage in place. Being insured properly will protect you and your customers when the meter is on.
Find lower Ontario car insurance quotes
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Impaired driving in Ontario is a serious offence. Learn about impaired driving fines, penalties, statistics and other important information all drivers in Ontario need to be aware of before they get behind the wheel.