Compare Ontario car insurance quotes

According to the insurance bureau of Canada, the average price of car insurance in Ontario is $1,505 per year. However, there are many factors that go into your Ontario car insurance quote including your driving history, the type of car you drive, and the area where you live. 

In Ontario, so long as they have a valid driver's license, anyone can drive your car under your insurance. If they're regularly driving your vehicle, you should list them on your insurance policy as an occasional driver. In Ontario, car insurance follows the car, not the driver. 

Yes, it’s the law. There is basic mandatory Ontario insurance coverage you need to legally operate a vehicle in the province and a slew of additional options to further protect yourself.

In Ontario, you will always need your own insurance in order to operate legally operate a vehicle. Uber and Lyft offer full coverage via their commercial policies  when you are logged in and actively working as one of their ridesharing drivers. However, you can nullify your own insurance if you have not informed your insurer. As a best practice we recommend that you contact your car insurance company to inform them of your ridesharing intentions. Failing to notify your auto insurer could result in repercussions, such as the cancellation of your auto policy.

According to the Ministry of Transportation (MTO), you don't need Ontario car insurance to own a car, but to drive it you'll need license plates and you can't get license plates without insurance. 

Call your Ontario insurance company, they may send out an adjuster to review the scene. The number is typically listed on the pink slip and people often keep this slip in their glove box. Gather all important details such as make, model, and year of all cars involved, license plate and insurance slip numbers, and take as many photos as possible. If you believe the damage to be greater than $2,000, call the non-emergency police line. 

The amount of insurance fraud and claims settlements being statistically high are the primary reasons why Ontario’s 9.7 million drivers pay so much for car insurance. Other factors include dense urban sprawl leading to an increase in congestion resulting in more collisions on the road. Poor drivers in any given neighbourhood increase the rates for all involved. 

No, but it can save you money on car insurance in Ontario. It’s also great for peace of mind in case of a battery failure, tire puncture, or you need a tow. CAA, for instance, starts at $70/year and members can save up to 20% (or roughly $280) on car insurance.

A moving violation in Ontario will stay on your record for 3 years following a conviction (not the offense date). If you are in an at-fault accident, it will stay on your record for 6 years.