Ontario Car Insurance

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Looking for affordable car insurance across Ontario? With some of Canada’s busiest roadways, like Highway 401, getting the right auto insurance is essential. Whether you're driving through busy highways like the 401 and 403, handling busy city streets in Toronto or Hamilton, or heading out to your cottage in Muskoka or Kawartha Lakes, you should have a car insurance policy that works for your lifestyle.

That’s where BrokerLink comes in. Our Ontario insurance brokers compare quotes from top insurance providers across the province to find coverage that fits what you drive, where you drive, and how often you drive, without overpaying. Contact us today for a free Ontario car insurance quote.

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

What is Ontario car insurance?

Ontario drivers count on car insurance as a bundle of protections that help when accidents, collisions, or unexpected damage put their vehicles or themselves at risk. A typical Ontario car insurance policy includes coverage that:

Protects you if you injure someone or damage their property
Pays for medical care, rehabilitation, and income replacement if you’re hurt in a crash
Helps cover the repair or replacement costs if your vehicle is damaged in an insured event

From the sharp lake-effect snow around Sudbury to the steady stream of commuters on Ottawa’s Queensway, insurers and brokers use local data, including accident records, weather events, and traffic volumes, to help shape your policy. The goal is to make sure your coverage matches the unique blend of urban, suburban, and rural driving that Ontario motorists face every day.

Is car insurance mandatory in Ontario?

Yes, every driver in Ontario needs car insurance. According to the Financial Services Regulatory Authority of Ontario (FSRA), driving without it can lead to serious penalties, including fines that range from $5,000 to $50,000, possible licence suspension, and even having your vehicle taken off the road.

But Ontario car insurance isn’t just about avoiding a ticket or a hefty fine. It’s about being ready for the realities of driving here. Picture yourself on the QEW during a Friday rush to Niagara, heading north on Highway 400 toward Muskoka on a long weekend, or trying to navigate downtown Hamilton when the snow starts to fall. Ontario roads see a mix of crowded freeways, winding rural stretches, and unpredictable weather, including sudden snow squalls, freezing rain, and summer hail. That's why having the right car insurance can make a world of difference when something unexpected happens. At the end of the day, it’s just not worth the risk to drive without it. Reach out to BrokerLink, and we’ll help you find affordable car insurance that meets Ontario’s legal requirements and fits your budget and lifestyle.

What types of car insurance do you need in Ontario?

All motorists in Ontario are required to carry car insurance. It’s there to protect you, as well as the other drivers, cyclists, and pedestrians who share the road with you. If something goes wrong, insurance helps make sure accidents and unexpected costs don’t fall entirely on your shoulders. The FRSA sets out what basics you must have in Ontario, but there are other types of auto coverage available to give you added protection. We’ve outlined several of these coverage types for you in more detail below:

Mandatory

Optional

In Ontario, drivers must carry a minimum of $200,000 in liability car insurance. This coverage steps in to help pay for things like third-party medical bills, rehab, and property damage when others are affected. It also helps cover your legal defence fees and settlements. But, on busy stretches of the 401 or in crowded downtown Toronto, $200,000 doesn’t stretch far if you’re found at fault in a major crash. That's why many Ontario drivers choose to extend their liability limits to $1 million, $2 million, or more.

Accident benefits coverage is there to protect you and your passengers if you're injured in a collision, no matter who caused it. This coverage can help with medical treatment, income replacement, and even long-term care if you need it. It can be expanded to cover costs like funerals or caregiving support. According to the latest report, the Ontario Provincial Police (OPP) reported over 400 traffic-related deaths on OPP-patrolled roadways in Ontario in 2023. So, it should come as no surprise that many Ontario drivers choose to enhance their accident benefits beyond the basic requirement.

Not every driver on Ontario roads plays by the rules. Uninsured automobile coverage is there to protect you if you’re ever unlucky enough to be hit by an uninsured driver or by a driver who flees the scene. It also helps pay for medical expenses and damage to your vehicle when the at-fault driver doesn’t have enough coverage.

Ontario is one of Canada's few no-fault provinces, making it unique when it comes to handling vehicle damage after a crash. With DCPD, if another driver causes the collision, you don’t have to chase their insurance company. Instead, your own insurer handles the repairs to your car, making the process smoother and quicker by minimizing delays and reducing finger-pointing.

Even though collision coverage is optional, many Ontario drivers add it anyway. If your car is damaged in a crash, whether it’s your fault or not, this coverage helps you pay for your repairs or replacement. You’ll have a car insurance deductible that you'll need to cover first, but after that, your insurer takes care of the rest (up to your policy limit). It’s especially important if you’re still paying off a car loan or lease, since lenders often require you to have it.

Comprehensive coverage is about all the things that can happen off the road. It protects your vehicle against insured perils like theft, vandalism, fire, weather damage, falling objects, and even run-ins with wildlife. Ontario drivers know how unpredictable nature can be, from flash flooding in the GTA to deer crossings in rural areas. Comprehensive coverage is also usually required if you’re financing or leasing.

Accident forgiveness keeps your first at-fault accident from causing your premiums to spike. That means if you misjudge a snowy turn in Sudbury or back into a pole in a Toronto parking garage, your insurance company won’t raise your rates for that first mishap. Each company sets its own rules, and it usually applies to the primary driver only, but it’s a popular add-on that can save you money when you need it most.

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.

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How can you 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

Bundle 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.

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.

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.

Savings Options

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.

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.

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.

What factors help 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 do you 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 does it mean 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 and number of accidents, the higher the demand 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 their professional experience. 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, you can apply for a G1 (learner’s licence), which is the first step in Ontario’s graduated licensing system. The system has three stages: G1, G2, and G, each with its own rules and restrictions.

Licence Stage	Minimum Age	Key Rules & Restrictions	Privileges
G1 (Learner’s Licence)	16	Must drive with a fully licensed driver (4+ years experience) Zero blood alcohol level No driving between midnight and 5 a.m. Cannot drive on 400-series highways or high-speed expressways (unless with a qualified instructor)	Allows new drivers to start practicing on the road under supervision.
G2 (Probationary Licence)	Typically, 12 months after G1 (8 months with approved driver’s ed)	Zero blood alcohol level if under 21 Passenger restrictions for drivers under 20 between midnight and 5 a.m.: First 6 months: 1 passenger under 20 After 6 months: up to 3 passengers under 20 (unless accompanied by a fully licensed driver)	Can drive alone, including on highways.
G (Full Licence)	After 12 months of G2	No restrictions on time, highways, or passengers Must maintain standard driving laws (e.g., legal blood alcohol limit for over 21 is under 0.08)	Full driving privileges across Ontario and beyond.

Where can I find a competitive auto insurance quote?

You can start online by visiting insurer websites and using their quote tools for instant estimates. If you’d prefer guidance, reaching out to a licensed insurance broker by phone, email, or in person can give you tailored advice and options from multiple companies without having to do the legwork.

But no matter which route you take, it pays to compare. You'll want to look closely at what’s included in each quote to make sure they're comparable, and you'll also want to check if you qualify for any discounts or savings. Also, before you commit to a quote or even a renewal, make sure the policy covers what you actually need covered today, so you're not paying for coverage you don't actually need.

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?

Car insurance in Ontario costs around $2,000 a year on average. However, your own rate will depend on things like your personal driving history, where you drive most often, and the type of car you own. Talking to a broker is one of the best ways to get a quote that reflects your situation.

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

Generally, no. Many Ontario households save money with a multi-vehicle policy, which lets you insure more than one car under the same plan. Ask your broker if bundling your vehicles could lower your premium.

What is specified perils protection?

Specified perils protects your vehicle against certain named risks such as theft, fire, hail, windstorm, flood, earthquakes, or falling objects. Unlike comprehensive coverage, it only applies to the hazards listed in your policy.

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

It can if you added comprehensive (or all-perils) coverage to your policy. This coverage generally includes theft of the entire vehicle, so if your car is stolen and not recovered, your insurer can help pay to replace it. Keep in mind that items inside the car, like laptops or bags, are usually not covered under auto insurance and may fall under your home or tenant policy.

Does my credit score affect my premium in Ontario?

No. While it can in other Canadian provinces, Ontario has regulations that prevent companies from using credit scores to determine car insurance premiums.

What is direct compensation-property damage (DCPD)?

DCPD 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?

It can either raise or lower your premium. For example, 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.

What happens if I drive without insurance in Ontario?

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?

Not exactly. While there is a lot of overlap, motorcycles require their own insurance because the risks are different. Ontario motorcycle insurance often includes coverage for bodily injury, property damage, and even custom parts or accessories. Some insurers may also adjust policies for seasonal riders since many bikes are stored over the winter.

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

No, but the penalties are still serious. In Ontario, you could face fines of up to $50,000, a suspended licence, and your vehicle could be impounded. Plus, that suspension will show up on your record for three years and can make future insurance much more expensive.

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

Generally, yes. In Ontario, insurance follows the vehicle, not the driver. So if you’re borrowing your parents’ or a friend’s car, you can drive it as long as their policy covers occasional drivers. Just make sure you have their permission and the car is properly insured.

How long does an accident affect your insurance rates in Ontario?

Six years. However, the impact depends on the severity of the accident and whether you were at fault. Some insurers also offer accident forgiveness for your first at-fault collision, which prevents a rate increase.

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.