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 your vehicle with the right 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 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.
Quick car insurance coverage 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 for over 50 years, rated 4.7 stars across 1,500+ Google reviews.
- Premiums vary significantly by carrier, even for the same coverage, so many drivers save by comparing.
Mandatory
the legal minimum: liability, accident benefits, uninsured
Optional
collision, comprehensive, all perils, DCPD, and more
100% free
compare coverage with no obligation to buy
50+ years
helping Canadians find the right coverage
How to compare car insurance coverage
1
Driving details
Enter your vehicle and driving information.
2
Compare quotes
Instantly see quotes from multiple insurance companies.
3
Get insured
Choose the best rate and confirm your policy details with us.
Helping drivers save on auto insurance!
All car insurance coverage types
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.
Mandatory car insurance coverage
Third-party liability
Covers claims against you from an at-fault accident. Basic plans start at $200,000 and can increase to $2 million.
Learn moreAccident benefits
Protects drivers and passengers injured in an accident, including costs above OHIP. Some benefits will become optional on July 1, 2026.
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 can increase to $1 million.
Learn moreOptional car insurance coverage
Collision insurance
Protects your vehicle if you are in an accident with another vehicle or object, covering the cost of repairs.
Learn moreComprehensive insurance
Protects against non-driving losses such as vandalism, theft, and weather damage.
Learn moreAll perils insurance
Combines collision and comprehensive, protecting you from all risks unless specifically excluded.
Learn moreSpecified (named) perils
Covers only the perils named in your policy. A more affordable option than comprehensive.
Learn moreDirect compensation property damage
Covers damage to your vehicle for collisions that are not your fault. Loss of use coverage is also included.
Learn moreAccident forgiveness
Protects your record after your first at-fault collision, so your premium does not increase.
Learn moreMandatory vs optional car insurance coverage
Mandatory 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 |
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. |
Alberta car insurance coverage
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.
Why choose ThinkInsure for your auto policy?
We've served the Ontario insurance market for over 50 years.
RIBO licensed advisors to assist you with all your insurance needs.
Compare 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.
Car insurance coverage FAQs
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.
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 car insurance coverage
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.
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 with a new automobile policy on the same day.
Speak with an advisor today!
Call us if you have questions about which coverages 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!
Monday-Friday: 8am-6pm
Sources
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.
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.
Insurance Blog And News
Read our insurance blog to get helpful tips, information and news.
2026-06-22
What is the Statutory Accident Benefits Schedule (SABS) in Ontario?
The Statutory Accident Benefits Schedule in Ontario ensures certain benefits are available to any person injured in a car accident. In this blog, we’ll discuss what the statutory accident benefits schedule is and the role it plays in insurance and accident benefits claims.
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Ontario Demerit Points System
Accumulated a few demerit points on your driving record? Here are some of the most common questions about demerit points in Ontario, how the demerit points system works, and if they can impact insurance.
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OPCF – Explaining Ontario Policy Change Forms
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).
2026-06-02
What Is The Total Cost Of Owning A Car In Canada?
The cost of owning a car has surpassed $1,000 per month. Here’s how you can calculate how much it costs to own a car in 2026.
