Ontario Car Insurance

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Being behind the wheel comes with its own set of risks that motorists in Ontario need to be prepared for in case they're involved in an accident. At BrokerLink, we’re here to help you navigate the ins and outs of Ontario car insurance, so you’re prepared the next time you’re up for an expired car insurance renewal.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

Mandatory and optional auto insurance in Ontario

All motorists in Ontario are required by law to have car insurance, which is a critical requirement that plays an essential role in ensuring the safety of both drivers and the community as a whole. This legal requirement not only sets a standard for responsible car ownership, but it also acts as an essential mechanism for dealing with the unexpected challenges and risks associated while you're travelling to your destination.

That said, only some types of auto insurance policies are mandatory, while others are optional coverage. We’ve outlined these policies for you in more detail below:

Mandatory

Optional

Liability car insurance is a critical, mandatory safeguard that protects you from any financial obligations that may arise as a direct consequence of an accident in which you are found at fault. Medical costs, rehabilitation expenses, and property repairs are all included in this policy. The legally required minimum amount of coverage in Ontario is $200,000.00. That said, most drivers choose a higher level of liability car insurance to ensure they are completely protected if something goes wrong.

Accident benefits are also a required element of Ontario car insurance. The goal of this policy is to provide financial assistance to you as well as anyone else in your car in the event of an incident, regardless of who was at fault. This insurance provides coverage for a wide range of injuries and health-related costs. It can also be expanded to include extra costs like funerals or caregiving. In 2023, the Ontario Provincial Police (OPP) reported over 400 traffic-related deaths on OPP-patrolled roadways in Ontario.

Although accident benefits coverage is mandated by law, the conditions and scope of coverage may differ depending on your insurance company and the type of policy you choose.

This coverage is required in the event of an accident involving an underinsured, unidentified, or uninsured driver. When the at-fault driver lacks adequate insurance, it steps in to cover medical expenses, property damage, and related costs. It serves as a financial safety net, protecting you from bearing the entire financial burden in such circumstances.

When you are involved in an accident caused by another driver in Ontario, a specific type of insurance comes into play. Instead of dealing with the insurance of the other driver, your own provider handles your property damage claim, thereby simplifying the claims process. It saves you the trouble of dealing with the other driver's insurance company directly, with your own insurance company serving as your representative and ensuring a quick and fair resolution of your claim. Ultimately, this policy is designed to make the post-accident process less stressful for you.

This type of auto insurance coverage protects your vehicle by providing financial assistance in the event of extensive damage or the requirement for emergency repairs or replacements as a result of a collision. It's essential to remember that you may have to pay a deductible before your collision car coverage kicks in. This deductible is a predetermined amount you will be advised when you begin your car insurance policy. While choosing collision coverage is a personal choice, it is especially important if you have an outstanding vehicle loan or lease because it remains in effect until the vehicle has been fully paid off.

Comprehensive insurance provides a comprehensive shield for your vehicle, protecting it against a wide range of risks. This includes theft, fires, vandalism, severe weather conditions, natural disasters, and wildlife interactions. While comprehensive car coverage is not required by law, it is frequently required when financing a vehicle through a dealership, bank, or other lending institution. Ultimately, this policy acts as an extra layer of defence, shielding your investment from a variety of unpredictable and unanticipated occurrences.

Car insurance includes accident forgiveness. It assists drivers in avoiding having to pay more for insurance if they are found to be at fault in a collision. Insurance rates tend to rise after your first at-fault accident, which can be financially stressful. However, your company will waive the first accident under this policy, so your premium will not rise.

Keep in mind that the amount of accident forgiveness varies by company. It tends to be used for minor collisions that cause damage or injury and does not cover more serious incidents. Furthermore, accident forgiveness is typically limited to the primary policyholder, not secondary drivers.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.

Although accident benefits coverage is mandated by law, the conditions and scope of coverage may differ depending on your insurance company and the type of policy you choose.

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How to save on car insurance in Ontario?

At BrokerLink, we recognize the importance of having a comprehensive insurance plan for an affordable price. If you're looking to cut costs on your insurance premiums, consider these strategies the next time you're renewing car insurance:

Discounts

Winter tire discount

Winter tires are not required in Ontario, but using them may qualify Ontario drivers for an up to 5% discount. Snow tires perform better in the winter, lowering your chances of being involved in an accident. Therefore, by installing winter tires every year, Ontario insurance providers will deem you less of a risk to insure.

Switch to hybrid or electric vehicles

Another way Ontario drivers can save money on car insurance is by purchasing a hybrid or electric vehicle. Many Ontario auto insurance companies offer incentives in the form of insurance discounts to drivers of hybrid or electric vehicles to encourage people to drive more sustainably.

Look around for the best coverage

Take a little bit of time shopping for various vehicle insurance plans from various companies. Because just about every business has its own unique pricing model, comparing the policies allows you to find the most affordable option that best suits what you are looking for.

Make your deductible more expensive

A deductible is a set amount of money that you must pay in advance of your insurance coverage kicking in. Lower insurance premiums may result from a higher deductible. Just make sure that you can afford a more expensive deductible, as you will need to bear a greater financial burden in the event that your car is damaged.

Savings Options

Drive cautiously

You can reduce the likelihood of accidents and tickets by practicing safe driving practices and staying conscious of road safety. Insurance companies have a tendency to provide discounts to safe drivers because they are thought to be less risky to insure.

Review your policies annually

Your driving habits can change throughout the year. So, when it comes time to renew your car insurance, make sure you're not paying for coverage you no longer need. Speak with an insurance broker about modifying your coverage to sufficiently protect you while staying within your budget. Remember, the key is to balance protection and affordability.

Combine your insurance plans

Consider combining your Toronto car insurance with other forms of coverage offered by the same company, such as business insurance, home insurance, or even Ontario boat insurance. Many insurance companies provide reduced rates for combining these policies under one portfolio. Another plus is that your insurance coverage will be a lot easier to manage.

Opt to pay annually

Another approach that can be taken to save money on Ontario auto insurance is to pay for it annually instead of monthly. Many insurers allow you to pay in one annual payment or monthly installments. However, insurers charge an administrative fee for each payment made, which, in turn, increases your premium costs. So, if you can afford to do so, think about paying for your policy in one lump sum at the beginning of the year.

Factors that determine the cost of your Ontario auto insurance premium

When calculating auto insurance rates in Ontario, insurance companies consider a variety of factors. It may be useful for Ontario drivers to understand what kind of information insurers are looking at. We've compiled a list of a few of the most significant factors influencing the cost of car insurance in Ontario:

Driving history

Driving history is the biggest factor in determining your insurance premium in Ontario, covering both how long you've been on the road and how you drive. That's one of the reasons why new and young drivers tend to have such high car insurance premiums. Having more years of driving experience usually earns you better rates. But it's not just driving experience; you also need a clean driving record. Speeding tickets, at-fault crashes, and impaired driving charges can all push your premiums higher.

According to the Ontario Ministry of Transportation, Ontario saw close to 27,000 personal injury and fatal collisions in 2023, while the OPP issued over 11,000 impaired driving charges that same year. Insurance companies will charge more if your driving record includes infractions or DUI offences. On the other hand, consistently following the rules, like driving safely and avoiding tickets or accidents, can qualify you for lower rates.

Location

Your car insurance rates in Ontario are also affected by where you live and drive. While Ontario as a whole has higher insurance rates, insurance companies will also ask for your address because certain areas within Ontario have higher rates than others. High-traffic environments typically lead to higher insurance premiums due to increased accident risk and crime rate.

For instance, urban centres like Toronto, Ottawa, and Hamilton tend to have higher collision rates than smaller Ontario cities and rural areas, like Stratford or Leamington. For example, Ottawa reported almost 20,000 collisions in 2024, whereas Stratford reported 899 collisions.

Certain cities also have higher crime rates than others, which also affects your premium. Higher crime rates lead to an increased risk of car theft. For instance, according to the Insurance Bureau of Canada, the top three worst cities in Ontario for car theft, as of 2023, were:

Toronto
Brampton
Mississauga

Lastly, certain areas prone to severe Ontario weather, such as low-lying regions susceptible to flooding, including Ottawa and parts of the GTA, may lead insurance companies to adjust premiums to cover the likelihood of comprehensive claims.

Vehicle make, model, and year

What you drive can significantly impact your Ontario car insurance costs. Insurers look at factors like your vehicle’s age, make, and model because newer, high-end cars are more expensive to fix or replace and, therefore, riskier to insure.

According to the Équité Association, 7 out of 10 vehicles stolen in Ontario in 2024 were 2017 models or newer. While auto thefts in the province declined slightly in 2024, newer vehicles, especially popular SUVs like the Lexus RX, are still being heavily targeted.

Driving commonly stolen models could lead to higher premiums as insurance companies may adjust your coverage to cover the possibility of a car theft claim. On the other hand, if your car is equipped with strong anti-theft systems or has a lower replacement value, you could benefit from lower rates. As a general rule, the more basic or budget-friendly your vehicle is, the more affordable your insurance is likely to be.

How frequently you drive your vehicle

Your driving habits also affect how much you pay for Ontario auto insurance. The more time you spend on the road, especially on major routes like the 401, 400, or 417, the greater your exposure to accidents, traffic, and unpredictable conditions. Longer commutes and frequent nighttime driving can push your insurance premiums higher because of the increased accident risk.

But if your car mostly stays parked or you only drive occasionally, you might be eligible for lower rates. Insurance providers often reward low-mileage drivers, so if you don’t use your vehicle often, let your Ontario insurance broker know.

Local insurance laws

Finally, Ontario car insurance laws also shape what you pay for car insurance. Ontario has a private insurance system regulated by the Financial Services Regulatory Authority of Ontario (FSRA), which approves all rate changes proposed by insurers. This means insurance providers can’t raise premiums without government oversight, but they still calculate rates based on local risk factors.

Ontario law also requires a specific set of minimum coverages, including $200,000 in third-party liability, accident benefits, and uninsured motorist coverage. These mandatory coverages form the base of your policy and influence your costs.

How to file a car insurance claim in Ontario?

Dealing with the aftermath of a collision is stressful, which is why the team at BrokerLink is here to help you navigate the claims process from start to finish. If you've recently been in a collision or your vehicle has suffered damage from other means, and you have yet to inform your insurance company, here are the steps you need to take moving forward:

1. Contact your insurance company

Report the accident to your insurance company as soon as possible. Contact Your Insurance Company: As soon as possible, notify your car's insurance provider of the accident. Contact information can be found on your policy documents. Prepare to provide all accident-related information, including where it took place, the date and time, and an explanation of what went wrong.

2. Claim procedure

Your insurer will be assigning a claims adjuster to you who will walk you through every step of the claim process. It is likely that they'll request additional information, including the police report, testimonials from witnesses, and repair estimates.

3. Estimates for repairs

Obtain repair quotes from professional auto repair shops. Your insurance company might have a preference for shops or a list of authorized repair facilities.

4. Prepare to pay your deductible

Understand the amount of your deductible, which is the amount you must pay before your automobile insurance will cover the remainder. You must pay this when and where your vehicle is serviced.

5. Vehicle inspections

To find out the extent of damage and the estimated cost of repairs, an insurance adjuster may inspect the car's condition or rely solely on the repair shop's estimates.

6. Rental car

If you have a plan that includes rental car insurance, your auto insurance company can arrange for you to have a rental car while yours is in the shop.

7. Obtaining a settlement

Once your claim has been dealt with, your insurer will provide you with a settlement. This pays for repairs up to the amount of your deductible. If your vehicle is declared a total loss, you will receive the vehicle's determined value minus your deductible. It is critical to maintain a direct line of communication with your insurance adjuster throughout the process. To ensure a smooth and effective claims process, be truthful while providing all of the necessary details.

Have you been in an accident? If so, give the team at BrokerLink a call. Our dedicated brokers are here to help you get through the claims process as quickly and easily as possible. We'll answer all your questions and serve as your advocate and liaison between you and your provider.

What it means to be ‘at fault’ in Ontario

Determining who is "at fault" in a car accident is critical in Ontario as it affects how insurance claims are dealt with and who bears the responsibility for covering the associated costs. Being "at fault" means that you are the individual who caused the accident.

When you are deemed "at fault" for a traffic accident, it usually means that your auto insurance company is mainly responsible for covering the costs of the collision's damages and injuries. Your insurer will handle claims from your policy as well as the other parties involved.

To determine fault in accidents, Ontario employs a set of rules known as the "Fault Determination Rules" (FDR). These rules specify particular circumstances and criteria to be used when deciding which driver or drivers are to blame. Traffic violations, right-of-way violations, and the decision-making of each driver leading up to the collision are all considered.

Occasionally, multiple drivers who are part of an accident may each have a small part in the division of fault. In such cases, each driver's insurance provider is liable for their proportionate share of the damages. In order to determine a level of fault, Ontario employs a percent-based criteria.

If you are at fault in an accident, the cost of your insurance may rise. The extent of the increase is determined by your insurer's policies, as well as the nature and severity of the accident. Multiple at-fault accidents on your driving record can lead to significantly higher car insurance premiums, which is why it is absolutely essential to stay up to date on safe driving tips and practices to ensure your safety as well as the safety of others while you are on the road.

Why are insurance rates different throughout the province?

The fact of the matter is that the cost of insurance tends to vary across metropolitan areas due to a variety of factors that point to the unique characteristics and hazards associated with a given area. All of these differences are founded on empirical evidence as well as real-world evaluations. Let's take a look at a few of the reasons for this in greater depth below:

Density of the population

Urban areas in Ontario with a higher population density, like Kitchener–Cambridge–Waterloo and London, are more likely to have substantial traffic delays, as well as increased volume of traffic, which increases the likelihood of a car accident. The more significant number of accidents can result in higher demands for reimbursements from the insurance provider, which can result in a more substantial cost of insurance in comparison to rural areas with fewer people living there.

Vandalism and theft

Urban areas in Ontario with a higher percentage of vehicle theft, such as Vaughan, Markham, and Oakville, and break-ins are considered to be less safe by insurance companies. The likelihood of these types of events affects the comprehensive coverage component of insurance rates, meaning if you opt for this additional coverage, you'll need to pay more for it.

Natural catastrophes

Ontario’s been hit hard by extreme weather lately, and it’s making an impact on car insurance. The Insurance Bureau of Canada (IBC) reported that severe storms and flash floods in summer 2023 caused about $340 million in insured damage, with over $80 million of that going toward repairing or replacing vehicles alone.

Then in March 2025, a major ice storm swept across Ontario (and Quebec), racking up $342 million in insured losses, again with a large number of damaged vehicles.

If you live in areas prone to these kinds of weather events, like parts of Southern or Eastern Ontario, your car insurance rates might be higher. Insurers factor in the increased risk of damage when setting premiums, especially for places that frequently deal with flooding, hail, or ice storms.

Uninsured drivers

The large number of drivers who do not have insurance may also have an impact on rates. Insurance companies may be obligated to account for potential damages from people who do not have insurance when calculating rates in cities, which tends to be more prevalent in areas with a larger number of residents.

Why work with a broker?

Working with an insurance broker can provide you with numerous benefits that you may not be aware of. Take a closer look at some of the advantages you can experience when partnering with the team at BrokerLink:

Insurance brokers work separately from insurance companies

First and foremost, insurance brokers operate separately from insurance providers, unlike traditional agents. This enables us to prioritize your needs above all else. We'll take the time to understand what your needs are before providing unbiased advice on what policies you can benefit from as a motorist.

Brokers do all of the legwork

Another advantage of partnering with a BrokerLink insurance broker is that we'll do all of the legwork. Your experienced insurance broker will be 100% dedicated to delivering you the best possible coverage from the very first time you contact us. They will ask you to clarify your requirements, look at what different companies are offering, and review policies prior to providing you with several tailored options.

Brokers are knowledgeable about auto insurance

Another reason why you should work with an Ontario-licensed insurance broker is because of the professional experience they hold. Brokers are fully licensed and have years of prior experience assisting Ontario drivers like you in finding high-quality auto policies that will make renewing your insurance more manageable and more streamlined from start to finish.

Help with filing claims

In the unfortunate event that you must file a claim, brokers can walk you through each step of the process, ensuring that you are aware of precisely what needs to be taken care of and that your claim will be dealt with as soon as possible.

Long-term assistance is available anytime you need it

Brokers provide ongoing assistance, replying to questions and assisting with any issues or revisions that may be required at any time. You can count on them to provide you with all of the information that you require.

What is the minimum legal driving age in Ontario?

The legal driving age in Ontario is 16 years old. At this age, drivers are entitled to apply for a G1 (learner's) license, which will put them on the road to becoming capable drivers. The province of Ontario employs a three-tiered licensing system—G1, G2, and G.

Each stage has its own unique set of rules and constraints, allowing new drivers to incrementally enhance their driving abilities. A number of conditions apply to the G1 stage, like being only able to drive under the supervision of a fully licenced driver and being unable to drive on the highway. Individuals who advance to the G2 stage will receive additional privileges, such as the freedom to drive on freeways without adult supervision. Last but not least, after meeting all of the criteria and completing the G2 phase, drivers can obtain a full G driver's licence with no restrictions on driving privileges.

Where can I find a competitive auto insurance quote?

Insurance renewal does not have to be complicated. Begin by visiting insurer websites to obtain instant online quotes. Alternatively, you can contact a licensed insurance agent or broker in person, over the phone, or via email for personalized advice. Take the time to compare quotes and identify potential savings you may qualify for. Lastly, before purchasing a car insurance policy, make sure to examine your coverage to ensure it meets your current needs.

Contact BrokerLink today for a free Ontario car insurance quote

Are you in need of car insurance in Ontario? If so, BrokerLink is your one-stop shop for high-quality, customized insurance policies from some of Canada's top insurance providers. When you partner with our team, you can rest assured that your best interests are kept in mind every step of the way.

For a customized insurance quote, check out our free online quote tool or reach out to us over the phone or through email. For those looking for a face-to-face interaction, please do not hesitate to visit us at any one of our locations throughout Ontario! A BrokerLink insurance broker in Ontario will gladly assist you regardless of how you contact us. We look forward to working with you!

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Ontario auto insurance FAQs

Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.

How much is car insurance per month in Ontario on average?

"How much is car insurance per month in Ontario?" is a frequently asked question that many drivers tend to have. The cost of car insurance in Ontario costs around $2,000 per year on average. However, it is very important to keep in mind that this average estimate is meant to be an estimate. The actual cost of insurance can vary greatly depending on a variety of factors that are unique to each driver. As such, we suggest comparing quotes online or speaking with an insurance broker for a more tailored quote.

Do I need more than one policy if I have numerous vehicles?

If you have numerous vehicles under one household, it may make more sense to purchase a multi-car policy rather than separate plans. This type of coverage is ideal for groups of people who share a home and have multiple vehicles. We suggest speaking to your insurance company about whether this option is available to you.

What is specified perils protection?

Specified perils protection is a type of car insurance that protects your vehicle from specific hazards such as theft, fire, windstorms, hailstorms, earthquakes, floods, and other natural disasters. Unlike comprehensive coverage, it pertains only to the risks that are listed in the policy. If you are only worried about the above-mentioned risks, this more limited coverage may be less expensive. However, before deciding on this type of coverage, it is essential to familiarize yourself with the risks and constraints listed by speaking with your insurer.

Will my insurance cover the cost if my car is stolen?

You may get taken care of if your vehicle's insurance plan includes comprehensive coverage. If your comprehensive coverage includes theft, your insurer may be able to help you with the financial burden of replacing your stolen vehicle. Aside from theft, this coverage can also reimburse you for break-ins, fires, water-related damage, and other incidents. Unless it is otherwise stated in your policy, comprehensive coverage is applicable only if the entirety of the vehicle is stolen, not the individual possessions.

Does my credit score affect my premium?

Yes, insurance companies consider your credit score when calculating insurance costs. A higher rating frequently results in lower insurance rates as it implies that you are financially stable. When it comes to insurance firms, people with good credit scores are much less likely to file claims. Keep in mind, however, that the actual effect of your credit history on your premiums can vary from one provider to the next, as each one has its own pricing structure.

What is direct compensation-property damage (DC-PD)?

DC-PD coverage means if you’re in an accident and not at fault, your own insurance company pays to repair your vehicle, even though someone else caused the damage. It simplifies the claims process and helps you get back on the road faster.

How does moving to a different city in Ontario affect my premium?

Moving from a quiet suburb to a busy city like Toronto or Brampton could raise your premium due to higher traffic, theft, and accident risk. On the other hand, moving from a busy city to a rural area could lower it.

What happens if I drive without insurance in Ontario?

Driving without insurance in Ontario is illegal. You could face fines up to $50,000, licence suspension, and your vehicle could be impounded.

Do winter tires reduce car insurance in Ontario?

Yes, many Ontario car insurance companies offer up to a 5% discount if you use winter tires annually.

Is car insurance the same as motorcycle insurance?

No, vehicle and motorcycle insurance aren't the same. While both provide vehicle coverage, the risks and requirements differ. Ontario motorcycle insurance is designed to cope with the particular risks and potential hazards of riding motorcycles, such as bodily harm, property damage, and coverage for custom parts and accessories.

Do you get points on your licence if you drive without insurance?

Operating a vehicle with no insurance does not result in a demerit point being added to the driver's record like some other violations do. Demerit points are often assigned for infractions that pertain to dangerous driving. Keep in mind, however, that while no points are awarded, the penalties for operating a vehicle without an insurance policy are severe. Significant fines can be imposed for this offence, which can also be combined with further penalties such as vehicle forfeiture, the suspension of your licence, and more.

Can I drive another person’s car without insurance of my own?

Driving another person's car, such as a spouse or your parents, without having any insurance is fine if there is an existing auto insurance policy that offers coverage for the car you’re driving. Insurance follows the vehicle, not the driver. You're covered under their policy if the vehicle is insured and you're driving it with the permission of the owner. If you are pulled over by a law enforcement officer, you need to be able to provide proof of the car's insurance.

How long does an accident affect your insurance rates?

In Ontario, an accident typically has a six-year impact on the amount you pay for insurance. Within this time, a motor vehicle collision remains on the driver's licence, which insurance companies can use to assess your risk and set your rates. However, the extent of impact can vary significantly based on the severity of the incident and the criteria they use to calculate rates, which is why it's essential to shop around and compare quotes before purchasing your new policy.

How are Ontario auto insurance rates calculated?

Insurance rates in Ontario are based on factors like your driving history, age, vehicle type, where you live, how much you drive, and your chosen coverage.

Are rideshare drivers (e.g., Uber, Lyft) covered by standard Ontario car insurance?

No, standard car insurance policies don’t cover rideshare driving. However, Uber and Lyft offer commercial car insurance coverage while you’re on the app. Just keep in mind that you’ll still need your own personal car insurance policy for when you're not logged in.

Does Ontario car insurance cover damage from wildlife collisions?

Yes, but only if you have comprehensive coverage. It protects you from damage caused by hitting wild animals like deer or moose.

Can I bundle home and car insurance in Ontario?

Yes. Most insurance companies offer discounts if you bundle your car and home or tenant insurance.