There are more than 13.5 million residents in Ontario 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 the best coverage and protection so you can drive with confidence.
We know Ontario drivers are tired of paying too much for auto insurance. Finding affordable coverage doesn’t have to be difficult. ThinkInsure helps hundreds of drivers save on car insurance coverage every month.
Do you drive in a large city like Toronto? Live in a small town like Bracebridge? You need to understand your auto insurance options. Below you will learn about Ontario car insurance :
It's easy to get the cheapest Ontario car insurance quotes. Quickly compare rates in 3 minutes or less from the leading providers to save.
To get the most accurate quote it is helpful to have :
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We understand that you want to get the cheapest car insurance rates. Here are some great tips to help you get the lowest rates and save on Ontario auto insurance :
Insurance rates vary between providers. When you shop around, you’ll get different rates for the same car and driver. An insurance expert can help you quickly find and compare quotes based on your:
Licenced insurance experts have a wealth of knowledge and a network of providers. They use their knowledge to source insurance that meets your budget and needs. You have more options and greater opportunity to save.
Licenced professionals continually update their education and knowledge. They provide unbiased savings advice based on your situation. Get the clarity you’ve been looking for. Get your insurance questions answered.
Things change quickly in the insurance industry. Staying up-to-date allows you to make the best decisions. You'll capitalize on new discounts, rate changes, and cost saving opportunities.
Know what your policy means and the type coverage you need. If you are not sure about a specific insurance term, talk with your provider to get clarity. Never make assumptions about your coverage. You don’t want to be under insured.
Price is important, but it’s not the only thing. When comparing policies, make sure you understand value - the level of coverage you will receive for your quoted car insurance rate.
The car you drive will impact your rates. Inquire about the insurance rates of vehicles you are considering before you make your final vehicle purchase decision. The vehicle you drive could impact your rates by hundreds of dollars.
A lot can change in a year. Review your policy each year prior to renewal. Does your coverage match your driving needs? Do you need to add or remove coverage types?
Pay your insurance premium in advance to avoid administrative fees. Some insurers offer a slight discount for paying in full.
This is particularly important for new and young drivers. Completing driver training with an accredited driving school helps to lower your rates.
Are you taking advantage of eligible discounts? Our insurers offer many types of car insurance discounts. Here are some of the top discounts we offer. Find out which discounts you qualify for.
Combine your auto and home policy with the same insurer. Save up to 20% on auto insurance and up to 50% on home insurance. Plus, you’ll have the convenience of having all policies insured with the same provider.
Insurers offer a discount for drivers who use winter tires. Install winter tires on your vehicle and save up to 5% right away.
If you have multiple vehicles you can qualify for a multi-line insurance discount. This includes the vehicles of family members living at the same residence. Insure all your vehicles with the same insurer. Save up to 15% on all vehicles included in your policy.
It pays to go green. Reduce your impact on the environment and reduce fuel costs. Save up to 10% when you drive an electric or hybrid vehicle.
It pays to be loyal. Get rewarded for your loyalty with up to 10% in savings. Your savings can increase each year you renew your policy and stay with your current provider.
All drivers who pass an MTO approved driver training course save up to 10%. Young drivers can also take advantage of graduated licensing discounts. If you are in school, save up to 10% on a good student discount. Maintain a “B” average or better.
Retired? Qualify as a senior? Insurers reward driving experience. Save up to 10% on your insurance policy. If you are over 65, you may qualify for a senior or retiree insurance discount.
Anti-theft devices reduce the risk of vehicle theft. Insurers reward you for reducing driving risks. Save up to 15% by installing an anti-theft or burglar deterrent device. You may require proof of purchase and installation.
Staying claims, accident, and ticket free will qualify you for a discount. Through telematics or usage based insurance (UBI) programs, insurers reward you for good driving habits. Save up to 30% when you drive safe and sign up for UBI.
See a complete list of Ontario car insurance discounts.
The average cost of Ontario car insurance is $1,505 according to the Insurance Bureau of Canada (IBC). Car insurance rates are higher for drivers who live in large cities such as Toronto, Mississauga, and Hamilton. Rates tend to be cheaper in more rural areas and in Northern Ontario.
Car insurance rates vary significantly based on the driver profile and record. Younger drivers often pay higher premiums as they have less driving experience. Mature drivers with good records pay less pay much less as they get in less accidents.
Here’s a sample of car insurance rates from Ontario drivers who did an online quote with us.
|Driver Type||Average Quote (per year)|
|Mature Drivers (35-45 years old)||$2,220|
|Senior Drivers (60-70 years old)||$1,642|
|Young Drivers (20-25 years old)||$4,128|
|Male Drivers (all ages)||$2,890|
|Female Drivers (all ages)||$2,515|
|Drivers With 2 Tickets (all ages)||$2,940|
|Drivers With 1 At-fault Accident (all ages)||$3,065|
Wondering how much you could save on your auto insurance? Here are some recent quotes and savings from Ontario drivers who used ThinkInsure.
|Shopper||Province||Vehicle||Cheapest Rate||Highest Rate||Savings|
|Female, 45 years old||Ontario||2015 BMW 328D||$1,214/yr||$2,460/yr||$1,214|
|Male, 32 years old||Ontario||2016 Volkwagen Golf 1.8 TSI||$811/yr||$1,327/yr||$516|
|Male, 50 years old||Ontario||2017 Acura TLX||$1,440/yr||$2,568/yr||$1,246|
|Female, 33 years old||Ontario||2018 Honda CRV EX-L||$1,256/yr||$1,746/yr||$490|
|Male, 58 years old||Ontario||2018 Audi Q5||$992/yr||$1,812/yr||$820|
The average rates data comes from the Insurance Bureau of Canada.
|Province||Average Annual Rate|
|Newfoundland & Labrador||$1,168|
|Prince Edward Island||$816|
The Financial Services Regulatory Authority of Ontario FSRA regulates the insurance industry and car insurance in Ontario.
Insurers can apply to have their rates increased. This occurs because of changes in coverage offerings. It helps to offset claims costs. Requests to increase rates must be reasonable. The FSRA can require insurers to lower rates when auto insurance system changes occur.
Ontario rates have increased for 9 consecutive quarters (Oct 1, 2017 to Dec, 31 2019). Here is a summary of insurance rate changes since 2014 :
|Quarter||Overall Rate Change|
There are a number of key factors that affect rates in Ontario :
Getting a car insurance quote online is simple. Even if you aren’t tech savvy, you can easily follow the steps. Save time and take advantage of the convenience of shopping for quotes online :
Insurers use many factors to set car insurance rates across Ontario. Here are some of the key factors that impact the cost of a policy :
Driving experience is a key factor. Experienced drivers are less likely to get into accidents compared to novice drivers. How long have you been driving? What level of graduated licence do you have? A clean driving record and a longer insurance history lower rates over time.
Insurers consider personal information such as your age, gender and marital status. Why? New drivers have less experience. Younger drivers, males, and single people are more likely to engage in risky driving. They are more likely to be in accidents and get tickets. Studies show that women are less likely to be in accidents.
A clean driving record can make a huge difference in how much you pay for coverage. How is your driving record? Do you have recent tickets or claims? Accidents, traffic violations, and claims will increase your rates. Rates can decrease when tickets are removed from your driving record. Drive safe!
What vehicle do you drive – SUV or a sedan? How old is your car? Is it a common target for thieves? Does it have a good safety rating? The car you drive, its MSRP, vehicle features, repair costs, and vehicle type can make a big difference.
Do you use your car to drive to work? How many kilometers do you drive per year? Do you use your car for business? If you drive occasionally, you may qualify for a low kilometer discount.
Insurers consider :
Location, location, location. It can matter just as much for insurance as it does for real estate. Insurers consider where you live. If your neighbourhood has higher statistics for car theft and accidents, your insurance premiums will reflect the higher risk. City, neighborhood, and even postal code matter.
The type of coverage you select will impact your rates. More coverage will increase costs. It will also provide you with greater protection. Adjusting your deductible amount for collision or comprehensive insurance will impact premium costs. As a general rule, increasing your deductible will lower your premiums. Choose your coverage and deductible amounts wisely.
Your history as an insured driver matters. Gaps in coverage, payment issues, or too many claims will impact your ability to get coverage. It will also increase your rates.
Ontario is home to more people and drivers than any other province. There are more than 14 million people and more than 10 million registered drivers across the province.
Do you commute daily on the 401 or QEW? Spend your weekends driving in the country side or cottage country? Enjoy Niagara wine country? Or, do you love to head up north to explore the natural wonders of Northern Ontario? You need a good insurance policy.
Drivers need to understand driving and auto insurance in Ontario. Here are key stats and facts :
All drivers are subject to car insurance rules in Ontario. Insurance laws are regulated by the Financial Services Regulatory Authority of Ontario (FSRA). These rules are in place to help regulate drivers and insurers.
There are rules for :
All drivers should become familiar with all Ontario car insurance rules and laws. Breaking these rules could result in fines, loss of coverage, increased premiums, and even criminal charges.
ThinkInsure car insurance experts are on your side. We work for you, not the insurers. We are an independently owned company so we’re unbiased. We can help you compare quotes from many insurers. Find the cheapest rates and best coverage.
Here are some great reasons to choose ThinkInsure :
Get The Cheapest Quotes And Save Money
Drivers can save up to $500 or more on their auto insurance policy when comparing quotes. We can quickly get quotes from the best insurance providers in Ontario. It only takes 2 minutes to compare the lowest rates and save. It’s that quick and easy.
Expert Savings Advice
Our auto insurance experts are licenced and trained professionals. We can answer all your insurance questions. We provide you with the guidance you’re looking for.
One Stop Shopping And Personal Service
All customers get a dedicated personal service representative. We’ll take care of ALL your insurance needs. We take pride in helping our customers and by providing top level customer service. If you need assistance, just give us a call!
Safe And Secure
Your information is safe with us. We never share your information without your consent.
24/7 Claims Service
Accidents can happen at any hour. You can get 24/7 claims service from the leading insurers in Ontario. We will be there to help you in the event of an accident when you need us most.
Car Insurance Needs Coverage Assessment
Get a car insurance needs assessment to find the proper coverage and understand your policy details. We will also recommend ways for you to save with our wide range of products and discounts.
ThinkInsure is much more than a comparison site for auto insurance rates. Unlike other comparison sites, we do not sell your quote information to insurance providers.
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 need help. We’ll work hard to save you money on your insurance year after year.
ThinkInsure is a leading provider of Ontario car insurance coverage. We have helped thousands of Ontario drivers quickly get the coverage they need at the lowest rates. See what our customers are saying about ThinkInsure on Google.
We Have Hundreds Of 5 Star Reviews!
Average of 4.7 out of 5 stars in 708 Google reviews
Sandy Kerr was the broker that I worked with. She made the process of finding an insurance policy that fit my needs and my budget extremely easy. She was very knowledgeable and personable which made the process that much easier for me. I would highly recommend Sandy for those shopping for an insurance policy.
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Auto insurance policies have different levels of coverage. All drivers must have a minimum amount of coverage. It may not be enough to fully cover costs of an accident, injuries, and lawsuits. Car insurance policies cover the repair/replacement of your vehicle, medical costs, and liability.
Get the auto insurance policy that meets your unique driving needs. Choose from standard, optional, and enhanced coverage to customize your policy.
In Ontario, there are four types of coverage required by law to be included in your policy. They are liability coverage, accident benefits, direct compensation property damage, and uninsured motorist. This applies to vehicles leased, financed or owned by the driver.
All drivers must have a minimum of $200,000 in third party liability coverage. This coverage protects you in the event you cause damage or injure someone. You can increase your coverage amount for added protection.
Drivers get certain medical benefits and other expenses if injured or killed in an auto accident. You can purchase additional coverage for most accident benefits.
Here is the minimum coverage included in a standard auto insurance policy :
This covers damage to your vehicle in accidents where you are not at fault. For this coverage to take effect, the accident must occur in Ontario and must involve another insured vehicle.
This provides coverage in the event of injury or death by an uninsured driver. It also applies if you’re involved in a hit and run.
You have insurance options. Choose from a variety of policy options to get more coverage above and beyond the minimum :
Your rates will not increase if you have you first at fault accident.
Ensure you are covered when you drive a rental car.
Get access to roadside assistance through your insurer.
Run a small business? Get coverage for your vehicle when you are driving for business purposes.
Your deductible will decrease each year you don’t make a claim.
Get coverage for the actual amount of money it will cost to replace your car without depreciation.
Ontario drivers can add extra coverage that is above and beyond the minimum insurance. Optional coverage includes :
Comprehensive coverage provides you with protection for vehicle damage by weather events, theft, vandalism, fire, earthquake, and falling objects.
Collision coverage protects against damage from a collision by another car or object. This coverage applies to most types of accidents. This includes hit and runs and if you hit stationary objects such as a street sign.
Specified perils protects against pre-defined risks outlined in your policy. Specified perils can include theft, fire, wind, hail, water, and other types of damage. You have coverage for the perils listed in your policy only.
All perils coverage combines comprehensive and collision. You have coverage for all types of risk unless they are explicitly excluded in your policy.
Some drivers do not qualify for standard auto insurance. Accidents, tickets, and too many claims can affect your rates. It can affect your ability to qualify for a standard auto insurance policy. It could also require you to get high risk auto insurance coverage. Our insurance experts can help you compare quotes from ALL high risk insurers.
All car insurance policies in Ontario include a deductible. This is 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:
Your deductible amount will impact your rates. Opting to increase your deductible will lower your rates. But, it also means you will pay more out of pocket when you file a claim. Choose a deductible amount you are comfortable paying.
Do you have the right amount of coverage? You could be under or over insured. Get your car insurance needs assessed by an insurance expert to ensure you are getting the coverage you need.
Learn about coverage options and adjust your policy to serve your specific driving needs. You will also be able to compare quotes and find new savings.
Get into an accident? Is your vehicle damaged? The insurance claims process can be stressful. We can help you, when you need us the most. We help make the claims process worry free for you. Get step by step guidance throughout the claims process.
Get expert advice about if you should file a claim and how to file a claim. Get answers to your questions. We’ll advocate on your behalf, ensure insurers manage your claim fair and you receive compensation promptly.
In general, here is how the basic car insurance claims process works :
Claims with injuries can require additional steps.
Making a few extra bucks on the side working as an Uber or Lyft driver? Ontario drivers can get ridesharing insurance for Uber, Lyft, and other ridesharing services.
Now Uber drivers, Lyft drivers, and other ridesharing providers can have the ridesharing insurance they need. You are covered when on the clock.
Uber drivers require specific coverage. Get coverage the second you log into the Uber app to accept a ride. When you are not driving Uber, your normal insurance policy will take effect.
Get ridesharing coverage as soon as you turn on your Lyft app and accept passenger rides. When the app is off, use your personal car insurance policy.
Drivers in Ontario can choose usage based insurance (UBI) coverage to help lower their insurance premiums. The safer you drive, the greater the reward. Get immediate savings when you sign up for the program with your insurer. You could save up to 30%.
There are no penalties based on the information collected about your driving habits. How UBI works varies by insurer. Speak with your insurer for more details.
Ontario has a graduated licence system. All drivers must complete all levels to become a fully licenced driver.
Here is a quick breakdown of the Ontario Graduated Driver’s Licensing System :
The G1 is your learners permit. You must be at least 16 and pass a written test. A fully licenced driver must accompany you to drive. Driving restrictions apply.
To get a G2 licence, you must have your G1 for one year. It can be 8 months if you complete driver training. You must pass the G1 exit road test. Driving restrictions apply.
To get a full licence 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.
Adding a new driver to your policy will increase your insurance costs. Teenage drivers with a G1 or G2 have the highest insurance rates. Ensure they complete driver training to qualify for an insurance discount.
Still have questions about Ontario car insurance? Check out these frequently asked questions and answers we get :
Auto insurance rates in Ontario are some of the highest in the country. British Columbia is the only province more expensive car insurance rates. One of the main reasons why it is so expensive is the prevalence of insurance fraud. This increases claims costs.
Other factors that impact car insurance rates include higher repair costs, more accidents, and increased average claims costs.
Getting the cheapest car insurance in Ontario is unique to each driver. There are many factors that contribute to getting lower rates. Insurance deductibles, coverage limits for collision and comprehensive coverage impact how much you pay.
Other factors like your driving record, claims history, vehicle, and insurance discounts also affect your insurance premiums.
The cheapest cars to insure in Ontario change on an annual basis. Insurance friendly vehicles have strong safety ratings, are more affordable to repair and are not targets for theft.
Vehicles that appear on the list of most affordable car insurance include :
Your driving record, claims history, and other factors will also impact the cost of your insurance premium. Learn more about the cheapest cars to insure in Ontario .
Toronto and the GTA is the most expensive region. Other cities like Ottawa and Hamilton also have higher rates.
Smaller towns in rural areas have the most affordable rates. So areas in Southwestern and Northern Ontario tend to have lower auto insurance rates.
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. The aim is to make it more competitive and reduce insurance costs for drivers.
The key areas of the plan are :
Read more about the proposed auto insurance changes in the 2019 Ontario budget.
No. Credit score checks are not required to get car insurance coverage in Ontario. They also have do not have any impact on the price of premiums.
Ontario uses a no fault insurance system. This means you deal with your insurance provider for all claims. Your insurer pays for your damages and other drivers deal with their insurance provider.
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