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Compare cheap Ontario car insurance quotes online

In under five minutes, compare multiple personal Ontario auto insurance quotes from Canada's top providers, for free.

How car insurance in Ontario works

Car insurance in Ontario, and across Canada is a requirement for all drivers, but there are some provincial differences in coverage requirements.

To begin, Ontario operates in a no-fault insurance system. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident.  

Ontario auto insurance is provided by private insurance carriers and is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated.

Available coverage is broken down into two categories - mandatory and optional.

Mandatory Ontario auto insurance coverage includes (full descriptions below)

  • Third-party liability (TPL)
  • Accident benefits (AB)
  • Uninsured automobile insurance
  • Direct Compensation Property Damage (DCPD)

Optional Ontario car insurance coverage includes (full descriptions below)

  • Collision insurance
  • Comprehensive car insurance
  • Specified perils
  • All perils

There are also Optional Policy Change Forms (OPCF) which are endorsements you can add to your coverage. Here are 3 common Ontario endorsements. 

  • OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
  • OPCF 27 - Ports your existing insurance to a rental car or car you borrow
  • OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim

Auto Insurance Quotes

How to compare Ontario auto insurance quotes on

  • Step 1: Share some information

    Tell us a little about yourself and your car insurance coverage needs

  • Step 2: Compare quotes

    We instantly show you dozens of quotes side-by-side from top providers

  • Step 3: Save money

    Choose your quote and secure your insurance rate online, or via one of our licensed brokers

Historical Ontario auto insurance rates

Since the start of the year 2000 the Ontario car insurance industry has seen significant change in the average rates they charge to consumers. On average there has been a +52.35% increase in cost of car insurance in Ontario. The last few years have seen the rates level out a bit more, with subtle increases and decreases, but in the early 2000 there were significant price swings on both sides of the equation. In Ontario, car insurance rate changes are a result of a few factors such as market inflation, insurance fraud and claims volumes. The volatility of the auto insurance market has resulted the residents of Ontario paying the most for their policies.

The historical rate changes shown below are based on all the drivers insured each year by every insurance company in Ontario. The rates are approved and tracked by the Financial Services Regulatory Authority of Ontario (FSRAO). In order for an Ontario insurer to be approved for a rate change, as required by law, the proposed rates must be just and reasonable, not excessive, and not going to impair a company’s financial solvency. Ontario car insurance providers submit their proposed changes to FSRAO for approval along with supporting actuarial data.



*information and data sourced from FSRAO (2020)

Mandatory coverage for auto insurance in Ontario

Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you car is in optional coverages.

Third-party liability

Accident benefits

Uninsured motorist

Direct Compensation Property Damage (DCPD)

Are you getting the best price for Ontario auto insurance?

In less than five minutes, you can compare multiple car insurance quotes from Ontario's top providers, for free.

Optional car insurance coverage in Ontario

You can personalize your coverage with these common additions that protect your car.

Collision insurance

Comprehensive insurance

Emergency roadside assistance

Specified perils

All perils

How to get cheap car insurance in Ontario

  1. Shop and compare

    Research which company provides cheap car insurance in Ontario, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Ontario car insurance with us is free.

  2. Stay with your current insurer

    Some Ontario auto insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.

  3. Bundle your policies

    If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.

  4. Get a multi car discount

    If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.

  5. Increase your deductible

    Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.

  6. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Ontario car insurance

  7. Pay premiums annually, instead of monthly

    Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.

  8. Maintain a good driving record

    If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.

  9. Install winter tires

    You can save up to 5% simply by adding winter tires to your car. Unless you're in Quebec, where it's mandatory.

Best car insurance companies in Ontario

It's hard to define the best auto insurance companies in Ontario because much depends on quality of service, price, and claims experience.

That said, in 2021, here is a list of the best car insurance companies in Ontario by price from Ratehub's car insurance calculator. 

  1. Aviva Canada
  2. Economical Insurance
  3. SGI Canada
  4. Pembridge Insurance
  5. Unica Insurance
  6. Onlia Insurance
  7. Intact Insurance
  8. CAA Insurance
  9. South Easthope Mutual
  10. Echelon Insurance

Based on a 2018 report from J.D. Power, the best car insurance companies in Ontario for customer service are:

  1. The personal (A division of Desjardins)
  2. The Co-operators
  3. Intact Insurance

Reading reviews can create flawed arguments if the reviewer doesn't understand the context of why they were denied a claim (and lead to a negative review). 

That said, best to compare Ontario insurance quotes from multiple providers to see which one will give you the best price. Then, speak to a broker who can help you decide on which of the cheapest Ontario car insurance companies you should select based on their experience dealing with many different companies. 

Looking for an Ontario car insurance broker?

Try Ratehub's own RH insurance and compare car insurance costs in Ontario today

How much is car insurance in Ontario?

The average cost of car insurance in Ontario is $1,634 per year. However, much depends on your location, vehicle, and personal details. Could you be paying less?

How to get an Ontario driver's licence

In 1994, the Ontario government introduced its graduated licensing system requiring each driver to progress through a 3-step educational program to be a fully licensed driver. Successfully participating in the graduated licensing system allows you to legally operate a car or motorcycle.

Prior to this '94, a driver only needed to pass a single written and road test in order to become fully licensed.

Once you begin the graduated licensing journey you have a 5-year window to earn your G licence. At a minimum it will take you at least 20 months to become fully licensed. Let’s take a quick look at this phased approach:

G1 licence in Ontario (or level one) eligibility criteria

G2 licence in Ontario (or level two) eligibility criteria

G licence in Ontario (or level three) eligibility criteria


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Frequently asked questions about Ontario auto insurance

How much is car insurance in Ontario?

Who can drive my car under my insurance in Ontario?

Do I need auto insurance in Ontario?

Does my Ontario car insurance cover me if I drive for Uber or Lyft?

Can you register a car without insurance in Ontario?

How do I report a claim in Ontario?

Why does car insurance in Ontario cost so much?

Is roadside assistance required in Ontario?

How long do driving offences last on my driving record in Ontario?

Author Bio

Matt Hands, Business Director of Insurance

Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.

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