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Auto insurance in Ontario
Basic insurance - it's the law.
Car insurance liability coverage is mandatory for driving in Canada. Fines for vehicle owners and drivers who do not carry valid auto insurance can range from $5,000 to $50,000.
Ontario has a “no-fault” car insurance system which means that regardless of who is at fault, you will deal with your own insurance company for your injuries and the damage to your vehicle.
If you drive in Ontario, you must have mandatory minimum insurance which includes the following coverages:
If you have an at-fault accident, you can be sued for injuring someone or for property damage. It will cover court-awarded settlements, legal fees, and out-of-court settlements up to the limit of your coverage. By law you must carry a minimum of $200,000 in Third-Party Liability coverage. We recommend $2 million in coverage.
If you are injured in a car accident, there are basic accident benefits that are automatically included in your policy for medical costs over and above what OHIP provides, including a portion of lost income, medical rehabilitation, and attendant care.
Though basic auto insurance is mandatory in Ontario, there is still a very real possibility of getting into an accident with someone who does not have insurance or does not have enough coverage or flees the scene. This covers costs if the other driver is uninsured or under-insured.
If you are in an accident caused by someone else, this portion of your coverage pays to repair your vehicle, with no deductible. It will also provide you with a rental car while your vehicle is being repaired or replaced.
Beyond these mandatory coverages, in order to operate a vehicle, there are other options (see below) that you should consider to ensure that you are properly protecting your asset.
Additional Options
No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want for your car.
Protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
The standard maximum amount for medical, rehabilitation and attendant care expenses, such as physiotherapy, chiropractic treatment or an aide to assist you if you have been seriously injured is $65,000. If you are catastrophically injured, the standard maximum is $1,000,000. Optional benefits are available up to $3,000,000.
Relax. We’ll find you the best insurance coverage so you’re protected.
How to lower your premiums.
Are you retired? Do you use snow tires? You may be eligible for one of these discounts:
- Accident-free/claims-free for 6 years? Insurance companies appreciate safe drivers.
- Loyalty can save you money. Bundle two or more policies with the same company to leverage a discount.
- Drivers who switch to snow tires during the winter can save 5%.
- Retiring? Reducing time spent driving to work every day can reduce your premiums.
Connect with one of our insurance experts today.
Additional ways to save
- Know what coverage you need - don't pay for coverage you don't need.
- Consider a policy with higher deductibles.
- Ask us about discounts
- Make sure you always pay your premium on time.
Have questions about car insurance?
Check out our FAQ
- The type of vehicle your drive
- Your driving record, including previous accidents, the length of time you’ve been licensed, whether you’ve taken driver training, speeding tickets, impaired driving convictions, etc. The better your record is, the better your premium.
- Where you live.
- Your age, gender and marital status.
- The amount you drive.
Yes. Choose a vehicle with good security features. For example, if you buy a vehicle with a high theft rate, your premium will be higher.
All licensed drivers in your household must be disclosed. If they are not currently listed on an auto insurance policy, they must be listed on yours or specifically excluded as a driver.
More information about auto insurance.
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