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Compare cheap Ontario car insurance quotes

In less than five minutes, compare personalized car insurance quotes from Ontario's top providers, including Economical Insurance, CAA Insurance and Travelers Insurance – your lowest rate is just a few clicks away.

Recent Ontario car insurance quotes from Ratehub.ca

We’ve helped thousands of Ontario drivers save hundreds by comparing insurance quotes online. Check out these recent Ontario car insurance quotes, last updated in September 2025. To find out how little you could be paying, take advantage of our free Ontario auto insurance comparison tool today.

  • $73/month

    Hamilton car insurance

    for a 51-year-old male, driving a 2025 Volkswagen Taos Highline

    get a quote
  • $112/month

    London car insurance

    for a 36-year-old female, driving a 2014 Nissan Rogue

    get a quote
  • $123/month

    Niagara car insurance

    for a 30-year-old female, driving a 2014 Toyota Matrix

    get a quote
  • $148/month

    Toronto car insurance

    for a 41-year-old male, driving a 2022 Polestar 2

    get a quote

How to compare auto insurance quotes online with Ratehub.ca

Share information

Tell us a little about yourself and your auto coverage needs.

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We instantly show you auto insurance quotes from top Canadian providers.

Save money

Choose your quote and secure your car insurance rate online.


What Canadians are saying about us

  • Lightning Fast Service


    Cole and Morgan are absolute professionals and experts in everything insurance. They've helped me and my family save money on our insurance for years now, amounting to thousands $$$ back into our pockets. They're both a pleasure to talk to, and extremely efficient at what they do - it's like lightning.

    Robin

    Google Reviews - September 2025

  • Saved Me Thousands


    I ran an online quote through RateHub for auto insurance, and it was $1000 cheaper than my previous insurance. And within minutes, I was helped by Morgan from RateHub, and within 24 hours, I was able to switch to new car insurance. Exemplary service. I highly recommend checking out RateHub brokers for your insurance needs.

    Tara

    Google Review - August 2025

  • Patient and Efficient


    Domenic Tollis was amazing!!! Clear explanations of items. Helped me to get a great rate and dealt with many hiccups along the way with patience and efficiency. Met my crazy deadline and provided stellar client service! Highly Recommended.

    Jay

    Google Reviews - August 2025

Why you should choose to compare with Ratehub.ca

  • 1,200,000

    monthly active users

  • 12 years

    experience in the Canadian market

  • 5-star rated

    quality and respected service

  • Proudly Canadian

    partnering and serving Canadians

Is car insurance mandatory in Ontario?

Yes, car insurance is required by law in Ontario and the rest of Canada. It's there to protect you financially from various driving-related incidents, including liability claims, medical expenses, and vehicle damage. Without it, you could see a fine anywhere between $5,000 to $50,000, your license may be suspended, and your car could be impounded.

How does car insurance work in Ontario?

Ontario runs on a no-fault auto insurance system. This doesn't mean that you'll never be found at fault for a driving incident. Instead, it means that drivers look toward their own insurance companies for compensation after an accident, regardless of fault. 

Auto insurance in the province is provided by private insurance companies who are regulated by the Financial Services Regulatory Authority of Ontario (FRSA). The regulator is there to ensure rate increases are substantiated and to ensure consumer rights are protected.

How to purchase auto insurance in Ontario:

Ontario's private insurance model gives you the freedom of choice to shop different providers until you find your best deal (i.e. car insurance rate). Depending on your driving record you can shop both the direct or broker market. A direct insurer only sells insurance for one brand and are considered agencies, while an insurance brokerage represents many insurance companies and can will work to help you find the best rate they can offer via their contracted companies.

Both sales channels have their pros and cons - so you need to do you research to find the best company for your situation. You can start your journey at Ratehub.ca, using our simple online car insurance calculator we'll connect you with a licensed insurance broker or agent who can help you with all your coverage needs.

Recent Ontario auto insurance news: 2025 budget changes

The Ontario government announced completed regulatory changes to the province's auto insurance system in the 2025 budget, which is planned to take effect on July 1, 2026. This includes enhancing choices when purchasing auto insurance, such as making statutory accident benefits optional (excluding medical, rehabilitation and attendant care) and making auto insurance pay for motor vehicle accident injuries before extended health care plans. In addition, the budget outlines plans to pilot the sale of insurance at car dealerships under FSRA’s Test and Learn Environment (TLE). This initiative aims to offer more options and convenience by allowing drivers to buy insurance when they purchase a car, and to create more competition in the insurance industry.


It’s difficult to determine the full impact of these changes. While removing coverages may reduce premiums for some, it can also expose others to greater financial risk. Additionally, the potential savings may not necessarily translate into decreased rates across the board. Mandating insurers to pay out claims first can also have the opposite effect, making insurance more expensive. Only time will tell whether Ontario drivers will catch a break from the extensive premiums. In the meantime, take matters into your own hands by comparing car insurance quotes across all different providers to find your most affordable rate.

What is the average cost of car insurance in Ontario?

Ontario drivers are faced with some of the highest insurance premiums in Canada. According to the Financial Services Regulatory Authority of Ontario (FSRA), Ontario's average annual auto insurance premium as of October 2024 was $2,006. Drivers in the GTA saw an average of $2,638, while those in rural areas paid an average of $1,592. We decided to take it a step further and break down the average cost of car insurance in the province based on our own user data.

Last updated in July 2025 – quotes are representative of the average monthly rate that Ratehub.ca users received and expressed an interest in within the last 30 days.

Average monthly quote by age and gender


Average monthly quote by Ontario city


Average monthly quote by vehicle make



Why does car insurance in Ontario cost so much?

The price of car insurance is high in Ontario because of issues such as the frequency of insurance fraud and claim settlements. 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. To find affordable coverage, compare car insurance quotes online. 

Other common questions about Ontario auto insurance

What is the cheapest car insurance company in Ontario?


Can you register a car without insurance in Ontario?


Who can drive my car under my insurance in Ontario?


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


Is roadside assistance required in Ontario?


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


How do I report a claim in Ontario?


What insurer offers the best car and home insurance bundle in Ontario?


What are the best cars to insure in Ontario?


Are you getting the best auto insurance rates in Ontario?

In less than five minutes, you can compare auto insurance quotes in Ontario from Canada’s top providers, free of charge.

Factors that impact your Ontario car insurance quote

Aside from your coverage options and policy limits, there are many individualized factors auto insurance companies look at when calculating your quote. Here are a few you should be aware of, plus some interesting Ratehub.ca user statistics as of September 2025 for the past 12 months.

  • Age

    The younger you are, the more expensive your auto insurance will be. Based on our data, the average Ontario driver comparing quotes is 38 years old.

  • Gender

    Males tend to face higher auto insurance premiums than females. Our Ontario user demographic breakdown is about 63% male and 37% female.

  • Location

    High-risk areas come with high-rate insurance. Our Brampton users see the most expensive rates, with the average being $571 per month.

  • Vehicle type

    Cars that cost more to replace cost more to protect. Based on our average rates, the Hyundai ElantraDodge/Ram Grand Caravan are one of the cheapest vehicles to insure.

  • Driving history

    Getting a ticket doesn't just hurt your record – it can also affect your insurance. According to our Ontario data, 57% of users have a conviction, and 13% have a claim on their record.

  • Driving behaviour

    The more you drive, the more your insurance rate goes up, too. On average, 78% of our Ontario drivers have a daily commute. Users commute 15 km each day.

  • License class

    Insurers value experience, so fully licensed drivers receive the cheapest car insurance rates. 9089% of our Ontario users have their G license.

  • Vehicle use

    Business-use cars are more expensive to insure than pleasure-use ones. 92% of our Ontario users come to us to insure a pleasure-use vehicle.

How inflation is impacting auto insurance prices

According to the Consumer Price Index from Statistics Canada, auto insurance premiums for passenger vehicles increased by 6% nationwide year-over-year in July 2025. Ontario drivers, on the other hand, saw a 10.6% increase. To combat the added cost, shop the market and compare car insurance quotes in Ontario with us today.

learn more about inflation

How to get cheap car insurance in Ontario

  1. Shop and compare

    You won't know which Ontario insurer offers the cheapest premium until you shop around. Comparing insurance quotes in Ontario with Ratehub.ca is free of charge.

  2. Bundle your policies

    Insuring multiple products (e.g. car, house, condo, boat) under one provider is a great way to rack up some savings.

  3. Get a multi-car discount

    If you own more than one car, insuring them together under one policy instead of purchasing coverage separately can lead to substantial savings.

  4. Track your driving

    Tracking your driving with usage-based insurance (or telematics) is ideal for safe, low-range drivers. You'll be rewarded for exhibiting good habits.

  1. Keep a clean record

    Traffic convictions and at-fault accidents inevitably lead to higher rates. So, stay safe on the road to maintain your affordable premiums.

  2. Install winter tires

    Ontario winters don't always come with the safest driving conditions. Some insurers offer a discount for installing winter tires.

  3. Increase your deductible

    Your deductible is the amount you'll be paying before your insurer provides the rest. Higher deductibles lead to cheaper auto insurance.

  4. Get a group rate

    It never hurts to ask about group discounts. Many providers offer lower rates for corporate members and special alumni.

How Ratehub.ca users are saving on their Ontario auto insurance quotes

When comparing car insurance quotes on Ratehub.ca, opting for policy discounts such as usage-based insurance and bundling policies are two additional steps you can take to ensure you're getting the cheapest rate possible. Here's what we found when looking at Ratehub.ca Ontario user data from September 2025.

48% of Ontario users opt-in for telematics – When exhibiting safe driving habits, drivers can save between 10 to 30% by participating in a telematics (or usage-based insurance) program. Keep in mind, however, that you may also see a surcharge in Ontario if you're deemed a risky driver. 

33% of users opt-in to bundle their home and car insurance in Ontario – Every P&C insurer offers its own version of a bundling discount (typically up to 25% off). The savings aren't just limited to your car policy. You'll also see a discount on your home insurance.

48%

of Ratehub.ca users opt-in for auto and home bundling.

33%

of Ratehub.ca users opt-in for telematics.

Compare cheap car insurance quotes in Ontario

Get personalized auto insurance quotes from Canada’s top providers in minutes, free of charge, on Ratehub.ca.

Types of car insurance coverages in Ontario

Ontario drivers are required to purchase an auto policy in order to legally operate a vehicle; however, despite this mandate, they do have some freedom of choice when selecting their policy. Given that Ontario is a private market, not only can a driver select which company they want to purchase from, but they also have some control over their coverage.  

Mandatory types of Ontario car insurance coverage:

The government's required amount of coverage is very minimal, and most drivers opt for more when finalizing their policy. These are the requirements of a basic auto insurance policy – let's take a look at the minimum coverage requirements you need to carry.

Third-party liability


Accident benefits


Uninsured motorist


Direct compensation for property damage (DCPD)


 

Popular optional types of Ontario car insurance coverage:

The Ontario government only requires a minimum level of coverage to legally drive a vehicle, but you can also increase your protection with optional coverage add-ons, enhancements and endorsements. Here's a quick overview of the common coverage additions made by Ontario drivers.

Collision


Comprehensive


Specified perils


All perils


Emergency roadside assistance


Popular endorsements (Ontario Policy Change Forms)


The top 10 car insurance companies in Ontario

Ontario’s auto insurance system is a private market, which means you have the freedom to choose which provider you want to work with. Selecting the best auto insurance provider for you will be the one that meets all your coverage needs for the lowest rate possible, so be sure to research all your options carefully. Here's a quick overview of some of the top car insurance companies across Ontario.