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Compare cheap car insurance quotes in Ontario

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How does car insurance in Ontario work?

Matt Hands

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

To begin, Ontario operates with a no-fault insurance system. This means drivers look to their own insurance company after an accident, regardless of fault. 

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

The different types of car insurance in Ontario

In Ontario, car insurance is required by law – you'll need to protect your vehicle with the minimum mandatory coverages. Beyond that, you can increase your protection with various optional coverages, depending on your own personal needs.

The following types of car insurance are mandatory in Ontario – it is standard for all auto policies across the province to include these coverages. 

  • Third-party liability – This protects you in the event you cause damage to other people or their property when driving. While it's mandatory across Canada, the minimum coverage required differs by province – you'll need at least $200,000 in other Ontario. Most drivers default to $1 million in coverage but you can also increase your limit further to $2 million for the additional peace of mind. 

  • Accident benefits – Accident benefits covers the medical expenses if you’re injured in a crash – whether you’re at fault or not – paying for services outside of the provincial coverage, such as rehab, income replacement, and attendant care. In the worst case scenario, it can also cover the cost of funeral expenses. And this type of insurance can also extend to the injuries of passengers, pedestrians, and cyclists too. 

  • Uninsured motorist – Uninsured motorist coverage protects financially against injuries you and your family members sustain in a crash caused by an uninsured motorist. It can also cover your vehicle damages, if the uninsured driver is able to be identified. If not, you'll need to rely on collision or comprehensive to foot the repair bill. 

  • Direct compensation for property damage (DCPD) – If another driver is at fault in an accident, DCPD covers the damage to your vehicle and its contents, as well as loss of use of your vehicle while it's being fixed. If you're at fault, however, you'll need collision insurance to help cover the repair or replacement bill. Not all provinces run with DCPD insurance – this coverage only applies if the crash occurs where it's mandatory (which includes Ontario), if two or more insured vehicles are involved, and if both insurers are licensed within that DCPD province.

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, free of charge.

How to get cheap car insurance in Ontario

  1. Shop and compare

    Research which auto insurance companies offers the cheap premiums. While rates may change overtime, comparing Ontario car insurance quotes with us is free.

  2. Stay loyal

    Ontario auto insurance companies tend to give discounts to drivers who remain an active customer for years – especially if there's family members and multiple vehicles on the 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, 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 provides the rest. If you’re willing to double your deductible, it can reduce your premium.

  1. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, you could b eligible for cheaper car insurance – just ask your broker or agent for group rate options.

  2. Pay annual premiums

    Paying auto insurance premiums monthly adds administrative costs to your insurer, so if you’re able to pay annually, you can lower your rate. It also shows the company you're planning to stay loyal.

  3. Maintain a good driving record

    If you’re a safe driver, you can reduce your chances of an accident. Car crashes stay on your insurance record for years and can result in higher premiums.

  4. Install winter tires

    Did you know you can save simply for installing winter tires on your vehicle during off-season? Not only that, it'll also make you a safer driver.

How much is car insurance in Ontario?

According to data from the FSRA, the average cost of car insurance in Ontario was an annual rate of $1,659 as of June 2022. However, much of this depends on your location, vehicle, and personal details. Could you be paying less? Let's find out.

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The average cost of car insurance in Ontario

Here is the average cost of Ontario car insurance, based on customer data. Keep in mind that rates may appear higher than usual due a customer base of inexperienced and high-risk drivers. That doesn't mean you can't get a cheaper rate, however, as we have helped thousands of Canadians save money on their car insurance policy.

Age Average quote for females Average quote for males
16 $386/month $4,636/year $713/month $8,561/year
17 $418/month $4,999/year $699/month $8,561/year
18 $466/month $5,556/year $768/month $9,170/year
19 $495/month $5,885/year $705/month $8,366/year
20 $450/month $5,348/year $693/month $8,203/year
30 $316/month $3,763/year $347/month $4,133/year
40 $283/month $3,360/year $302/month $3,604/year
50 $358/,month $4,277/year $290/month $3,468/year
60 $248/month $2,971/year $299/month $3,562/year

The best car insurance companies in Ontario

The best auto insurance provider for yourself 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.

    Looking for an experienced Ontario car insurance broker?

    We've got you covered – schedule a call with a RIBO licensed auto insurance broker from Ratehub's own brokerage, RH Insurance Inc.

    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, 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. For most drivers, it will take about 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

    For more information on the province's graduated licensing system, check out our blog on everything you need to know about getting fully licensed in Ontario.

    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?

    What is the cheapest car insurance company in Ontario?

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

    How do you get car insurance in Ontario?

    Matt Hands, Business Director of Insurance

    With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read more

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