Compare car insurance coverage options from Canada's top insurance companies. All car insurance coverage types explained in one place.
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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 policy, or looking for better 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 Canada's top insurance companies and choose a policy designed for the way you drive.
the legal minimum: liability, accident benefits, uninsured
collision, comprehensive, all perils, DCPD, and more
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Car insurance includes mandatory coverage that every driver must carry and optional coverage you can add to expand your protection. All drivers must have car insurance in Ontario, which at a minimum includes $200,000 in third-party liability, accident benefits, and uninsured automobile coverage.
Optional coverage can be added to increase your limits and protect against a wider range of risks. The most common optional coverages are collision, comprehensive, and DCPD. Compare car insurance quotes for the coverage you need, including coverage for high-risk drivers.
Covers claims against you from an at-fault accident. Basic plans start at $200,000 and can increase to $2 million.
Learn moreProtects drivers and passengers injured in an accident, including costs above OHIP. Some benefits will become optional on July 1, 2026.
Learn moreCovers you if you are injured by an uninsured driver or in a hit and run. Standard coverage is $200,000 and can increase to $1 million.
Learn moreProtects your vehicle if you are in an accident with another vehicle or object, covering the cost of repairs.
Learn moreProtects against non-driving losses such as vandalism, theft, and weather damage.
Learn moreCombines collision and comprehensive, protecting you from all risks unless specifically excluded.
Learn moreCovers only the perils named in your policy. A more affordable option than comprehensive.
Learn moreCovers damage to your vehicle for collisions that are not your fault. Loss of use coverage is also included.
Learn moreProtects your record after your first at-fault collision, so your premium does not increase.
Learn moreMandatory coverage is the legal minimum you need to drive, while optional coverage expands your protection. Here is how the two compare:
| 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 |
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. |
Coverage requirements 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.
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All drivers have unique needs. Choosing the right amount of coverage is about balancing legal requirements, financial protection, and personal risk tolerance. Minimum coverage may be enough to drive legally, but it may not fully protect you in a serious accident. Choose the amount that gives you the protection you need within your budget, and speak with our insurance experts if you have questions.
Full coverage refers to a policy that includes mandatory coverage plus 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.
It is not required, but it is highly recommended. Mandatory coverage provides basic protection for limited situations. Optional coverage expands your financial protection and lets you customize your policy for 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 differ include the insurance system (public or private), mandatory coverage requirements, minimum liability requirements, coverage limits, optional coverage types, and available car insurance discounts.
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.
Celeste Raymond
2026-08-04 09:10:34
★★★★★
The insurance broker who supported me was Dylan Smith. Dylan was very knowledgeable, patient, friendly and professional. He took his time walking me through several different options, answered all my questions and made sure that I left the conversation feeling supported and that I left with the right insurance plan to meet my needs. This was truly one of the best customer service experiences I’ve had!
Paula Souza Realtor
2026-07-29 15:53:22
★★★★★
Working with Betsy Bannon was a great experience. She made the process of getting our commercial auto insurance simple and stress-free. She kept us informed every step of the way, responded promptly, and was always friendly and professional. I really appreciated how smoothly everything went and would definitely recommend her.
Nate Smith
2026-07-29 15:45:25
★★★★★
Had a great experience working with Betsy Bannon. She was easy to deal with, answered my questions, and got our commercial auto insurance set up much faster than I expected.
Nate Smith
2026-07-29 15:44:40
★★★★★
Betsy Bannon made the whole process of getting our commercial auto insurance set up really easy. She was friendly, quick to respond, and got everything taken care of without any hassle. Really appreciated all the help.
Accounting Infinite Mechanical Solutions
2026-07-29 15:43:38
★★★★★
Betsy Bannon was a huge help in getting our commercial auto insurance set up! she was super pleasant to deal with, and she was very fast
Michele Jaques
2026-07-22 22:22:43
★★★★★
Patrick worked diligently in insuring that our businness is sufficiently covered given changes to tenants, tyope of business and up grades. He is very conscientious and work collaboratively to build good a good working relationship. Thank you agaib Patrick for all your efforts.
Stephen Johnston
2026-07-09 02:00:38
★★★★★
I contacted ThinkInsure sure for last minute insurance for my house while I was renovating. My sales broker was Dylan Smith, and he was excellent. He was extremely communicative and proactive and talked me through all the steps of applying for my insurance policy. Because it was somewhat last minute, he also bent over backwards and communicated with the insurance company to make sure I got my insurance effective on the day I needed it. I couldn’t have experienced better service.
Steven Liao
2026-07-08 03:49:25
★★★★★
I have been getting parent super visa insurance from Think Insurance for past 2 years. Parminder helped us in getting the coverage needed and everything had been smooth.
With mandatory and optional coverage 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.
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.
We instantly compare coverage and rates from our large selection of insurance providers to find you the lowest price.
Choose the provider that offers the best coverage and rate for your needs. We often can get you insured with a new automobile policy on the same day.
Call us if you have questions about which coverages to add, your limits, or endorsements. We often can get you insured the same day.
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)
Monday-Friday: 8am-6pm
The information on this page is for general guidance about 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.
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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