Ontario has some of Canada's highest auto insurance premiums. As a licensed broker, I compare rates from 15+ providers to find you the right coverage at the right price.
Ontario drivers pay more for car insurance than almost anywhere else in Canada. The province has a no-fault insurance system, high rates of fraud, dense urban populations, and significant accident costs — all of which push premiums up. The average Ontario driver pays over $1,500–$2,000 per year for auto insurance.
But here's the thing: that average hides enormous variation. Two drivers with identical vehicles and driving records can receive quotes that differ by hundreds of dollars — simply because different insurers price risk differently. Shopping the market is the single best thing you can do to lower your premium.
That's exactly what I do as your broker. I work with multiple insurers and find the best combination of price and coverage for your specific profile — new driver, experienced driver, commercial vehicle, or anything in between.
To get your quote fast, have this info ready:
Every Ontario driver must carry these four types of coverage by law:
$1,000,000 minimum — the industry-standard amount. The legal floor is $200K but virtually all brokers quote $1M as the practical minimum. Covers you if you're legally responsible for injury or property damage to another person.
Provides benefits if you're injured in a car accident, regardless of who was at fault — covering medical expenses, income replacement, and more.
If another driver is at fault in an accident, you deal directly with your own insurer rather than theirs — making claims faster and simpler in Ontario.
Protects you if you're hit by an uninsured driver or in a hit-and-run situation. Mandatory coverage ensuring you're never left without recourse.
Mandatory coverage is just the floor. These optional coverages can make a significant difference when you need them most.
Pays for repairs to your own vehicle after a collision, regardless of fault. Essential if you have a newer or financed car.
Covers non-collision damage: theft, fire, hail, falling objects, vandalism, and hitting an animal.
Pays for a rental car while yours is being repaired after a covered claim. Especially useful in areas with limited transit.
Prevents your first at-fault accident from raising your premium. Available from many Ontario insurers as an endorsement.
A telematics device or app tracks your driving habits. Safe drivers can save 10–30% on their premium — ideal for low-mileage or cautious drivers.
Top-up your mandatory accident benefits for higher income replacement, medical rehab, and attendant care limits.
Insurers use dozens of factors to calculate your premium. Here are the most significant ones:
💡 The Bottom Line
Even with factors you can't change, the insurer you choose matters enormously. Two companies can assess the same driver and come to very different premiums. That's why comparing quotes through a broker is the most effective way to reduce your costs — and I do that for free.
Whether you've been driving for 20 years or just got your G2, I can find competitive coverage for you.
G1 and G2 drivers face sky-high premiums in Ontario. I know which insurers offer the most competitive rates for new drivers — and which discounts you qualify for.
Multiple tickets, at-fault claims, or a lapse in coverage? I work with specialized markets that offer fair coverage to higher-risk drivers who struggle with standard markets.
Already have home insurance or looking to bundle? I'll find you a combined auto and home policy to maximize your multi-line discount — often 10–15% savings on both.
Business van, pickup truck, or a fleet? I can source commercial auto insurance that properly covers vehicles used for work — something personal auto policies won't do.
Ontario requires four types of mandatory coverage: Third-Party Liability (minimum $1,000,000 — industry standard), Statutory Accident Benefits, Direct Compensation – Property Damage, and Uninsured Automobile coverage. Driving without all four is illegal and can result in fines of $5,000–$50,000, licence suspension, and vehicle impoundment.
Yes. G2 drivers can get auto insurance in Ontario — and must have it to drive legally. Rates are higher for G2 holders because statistically newer drivers have more accidents. However, rates vary significantly between insurers. I work with multiple providers and can find competitive options even for G2 drivers.
Once you submit your information, I typically turn around quotes within 1 hour. If your need is urgent (e.g. you're buying a car today), let me know and I'll prioritize your file. Binding coverage can usually happen same-day.
Generally, your Ontario auto insurance policy extends to cover rental cars you drive within Canada and the US — but only for coverage types you have on your own policy. If you only have liability (no collision/comprehensive), you won't be covered for damage to the rental. It's worth checking your policy details, and I'm happy to review this with you.