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Shop for a Better Auto Insurance Quote in Ontario
Owning and operating a vehicle in Ontario can be expensive, especially when you factor in the cost of maintenance, gas, winter tires and auto insurance.
While you must legally have auto insurance to operate a vehicle in Ontario, the good news is you don’t have to settle for the first rate you find. Ontario has a competitive auto insurance industry, meaning it pays to shop around.
The easiest way to find cheap auto insurance in Ontario is to use our free online comparison tool. It only takes five minutes and you could save hundreds of dollars.
Join the millions of Canadians who have used our service. Compare quotes today on Kanetix.ca!
How Do Ontario's Auto Insurance Rates Compare to Other Provinces?
Unfortunately, Ontario has some of the highest annual car insurance premiums in Canada. Look how the province compares to other parts of the country:
1. British Columbia $1,680 (16% higher than Ontario)
2. Ontario $1,445
3. Alberta $1,251 (13% lower than Ontario)
4. Newfoundland & Labrador $1,132 (22% lower than Ontario)
5. Manitoba $1,080 (25% lower than Ontario)
6. Northwest Territories $978 (32% lower than Ontario)
7. Nunavut $963 (33% lower than Ontario)
8. Saskatchewan $936 (35% lower than Ontario)
9. Nova Scotia $842 (42% lower than Ontario)
10. New Brunswick $819 (43% lower than Ontario)
11. Yukon $812 (44% lower than Ontario)
12. Prince Edward Island $796 (45% lower than Ontario)
13. Quebec $661 (54% lower than Ontario)
Source: Insurance Bureau of Canada, report released in July 2018, prices in CAD
While Ontario’s auto insurance rates are high, spare a thought for our neighbours to the south: the average premium in Michigan was over $3,200 CAD for the same period, according to one American study.
The 10 Most Expensive Cities for Ontario Car Insurance
According to the Insurance Bureau of Canada, the average annual car insurance premium for Ontario is $1,445 (2018 data). See how this compares to the province's most expensive cities for auto insurance:
1. Brampton $2,494 (72.60% higher than average)
2. Vaughan $2,128 (47.27% higher than average)
3. Mississauga $2,086 (44.36% higher than average)
4. Richmond Hill $2,033 (40.69% higher than average)
5. Toronto $1,948 (34.81% higher than average)
6. Markham $1,943 (34.46% higher than average)
7. Pickering $1,714 (18.62% higher than average)
8. Whitby $1,673 (15.78% higher than average)
9. Hamilton $1,670 (15.57% higher than average)
10. Ajax $1,651 (14.26% higher than average)
Insurance companies consider your home address when calculating your annual premium. If you live in one of the most expensive cities for car insurance it is especially important to compare quotes when looking for a new policy.
How does your neighbourhood compare? Check out our InsuraMap.
The 10 Least Expensive Places for Ontario Car Insurance
According to the Insurance Bureau of Canada, the average annual car insurance premium for Ontario is $1,445 (2018 data). See how this compares to the province's cheapest places for auto insurance:
1. Brockville $,1016 (29.69% lower than average)
2. Cornwall $1,016 (29.69% lower than average)
3. Kingston $1,017 (29.62% lower than average)
4. Cobourg $1,018 (29.55% lower than average)
5. Napanee $1,018 (29.55% lower than average)
6. Port Hope $1,018 (29.55% lower than average)
7. Petawawa $1,024 (29.13% lower than average)
8. Kenora $1,048 (27.47% lower than average)
9. Belleville $1,066 (26.23% lower than average)
10. Trenton $1,066 (26.23% lower than average)
Insurance companies consider your home address when calculating your annual premium. How does your neighbourhood compare? Check out our InsuraMap.
How to Get Cheaper Car Insurance in Ontario
Driving in Ontario isn’t cheap, but that doesn’t mean you can’t keep the price down. There are many ways to get discounts, and with enough of them, you’d be surprised by how quickly the savings add up.
The easiest way to save money and find cheap car insurance is by using Kanetix.ca to compare multiple quotes.
Increase your deductible
Most drivers opt for a $500 deductible, which is the amount you pay in the event of a claim. Increase yours to $1,000 and you could save five to ten per cent on your car insurance!
Pay your premiums annually
Paying your premiums annually instead of monthly is often a way to keep the price down. Insurance companies sometimes waive or reduce the administrative fees associated with smaller, more frequent payments.
Consider a different car
This might seem extreme, but your vehicle is something insurers consider when calculating your auto premium. If your vehicle is a popular target for thieves, your premium will likely reflect this. Check the Insurance Bureau of Canada’s annual list of the most stolen cars in Canada and see if your car made the list. If it did, it might be wise to consider a vehicle which is less desirable to criminals.
Install winter tires
Winter tires not only increase your safety while driving in winter conditions, but they also get you a discount of up to five per cent! In Ontario, 90 per cent of drivers who got quotes from Kanetix.ca said they have winter tires.
Bundle your auto insurance with your home insurance
Using one insurance provider for your auto and home insurance can result in a discount from your insurer of up to 15 per cent! The is known as an insurance bundle, or a multi-line discount.
Get a multi-car discount
Do you have multiple drivers and vehicles in the same household? Having multiple vehicles on the same policy is a great way to get a discount. You could save up to 20 per cent!
Ask for a discount
Ask your insurer if you are eligible for a discount for being a member of an association or alumni. Having a membership to a roadside assistance program can also get you a discount.
New drivers who take an accredited drivers training program may be eligible for significant savings on their auto insurance. Check the Ministry of Transportation to find out which programs qualify and start saving today!
Usage-Based Insurance/Telematics discount
Ontario was one of the first places in Canada to approve usage-based car insurance policies. If you’re willing to install a telematics device in your car to collect driving data (kilometres driven, average speed, braking and more), good driving habits could get you a discount.
Did you know that Toronto drivers have the longest commute times in Canada? They spend an average of 34 minutes driving to work, and another 34 minutes getting home. Ontario as a whole fares slightly better, with the average drive to work being 25 minutes long.
The more time you spend on the road, the higher your chances of being in a collision or getting a ticket. Try carpooling with colleagues, taking public transit, biking or walking. If you can find ways to spend less time driving, not only could you benefit from a lower premium, but there are health benefits too.
Frequently Asked Questions
Questions we get from Ontario drivers about car insurance:
In Ontario, drivers must purchase coverage through a private insurance company.
The province has a “no fault” car insurance system. This means you go through your own insurance provider regardless of who is at fault in an accident or incident.
Don't even think about it! The penalties are severe. First-time offenders must pay a fine ranging from $5,000 to $25,000. For a second offence, fines can be up to $50,000. You will also be subject to a 25 per cent victim fine surcharge (e.g. an extra $1250 if you receive a $5000 fine). Your car could be impounded for three months and your driver’s licence could be suspended for one year. To add insult to injury, insurance companies will see these infractions on your record and you’ll face higher auto insurance premiums in the future.
Insurance can be intimidating, but Kanetix.ca strives to simplify the process while finding you the best deal. All we need to know is the type of vehicle you drive, the type of licence you hold and your driving history (any tickets or accidents you have had). If you don’t know the exact information right now you can provide an estimate to get the ball rolling, but the quotes you see may change if the information is amended afterwards. The more accurate you are when completing your quote form, the more accurate your quotes will be!
Where you live, what you drive, your daily commute and your driving history are just some of the factors that affect how much you will pay.
Where you live is important because that can significantly increase or decrease your premium. Living in an area where accidents often occur will likely result in higher rates, whereas living in a sparsely populated area with low rates of theft and accidents usually means you will pay less.
Learn more about Ontario’s most expensive cities for auto insurance or see how your current rate stacks up to the typical auto insurance rates in your area using Kanetix.ca’s InsuraMap. You’ll be able to see where the cheapest, and most expensive, areas for auto insurance are located.
Ontario has a tiered licensing system with three levels of classification: G1, G2 and G.
From the age of 16, potential drivers are eligible to complete a written test which, if passed, grants the individual a G1 class licence. This is considered a learner’s permit. It allows the holder to drive as long as they are accompanied by a fully (G) licenced driver in the passenger’s seat.
Twelve months after receiving a G1 licence (and hopefully after getting lots of practice), drivers can take a practical driving exam that is supervised by a certified examiner. Assuming this goes well, a G2 licence is obtained. With a G2 licence, the driver has fewer conditions and restrictions applied, most notably they can drive without supervision in most situations.
After an additional 12 months as a G2 driver, the individual can take the final road test to obtain a full G licence. This qualifies the driver for full licence privileges in Ontario.
Each of the three steps has its own rules when it comes to insurance:
G1 drivers who are practicing in somebody else’s car are typically covered under that person’s car insurance policy and do not require their own insurance. G2 or G class drivers will require insurance if they are using their own vehicle. G2 or G class drivers that regularly use somebody else’s vehicle may be added as an occasional driver to that person’s existing policy.
In Ontario, auto insurance policies include four mandatory components. Although this list includes the minimum mandatory about of coverage, many drivers opt to increase liability coverage in particular.
- Third-party liability of at least $200,000. If you are responsible for an accident causing injury to another person, or damage to a vehicle or property, this covers costs associated with a lawsuit against you.
- Direct Compensation Property Damage (DCPD) coverage. This covers you in the event that through no fault of your own, another driver damages your vehicle. Your vehicle will be repaired and paid for by your own insurer.
- Statutory Accident Benefits. Getting injured in a car accident stressful enough, without having to worry about money. These benefits cover expenses associated with medical costs, including home care and even income replacement.
- Uninsured Automobile Coverage. This protects you if you are injured by an uninsured motorist, or if the motorist leaves the scene and cannot be identified.
There are several optional coverages that you can add to enhance your auto insurance coverage. Collision and comprehensive are the two most common ones. Collision covers damages resulting from an accident, while comprehensive coverage covers damages caused by vandalism, theft and other hazards.
Experts say that Ontario’s high rate of insurance fraud is primarily to blame. This includes everything, from drivers who exaggerate the extent of damages, to people who fake collisions to make false claims. It is a complex issue, but in December 2017, the province announced the Fair Auto Insurance Plan. This includes reforms to address insurance fraud in Ontario, further investigate fraudulent claims and ultimately make car insurance cheaper.
In addition to being Canada’s insurance fraud capital, Ontario’s generous accident benefits and mandatory minimum liabilities also drive the price up.
Your best defence against these inflated costs is to use Kanetix.ca to shop around and compare rates, ensuring you get the best possible deal on car insurance in Ontario every year.
Insurance premiums for identical coverage can vary between insurance companies, but nobody can claim to be the cheapest without first seeing your information. Every driver is unique, and the quotes you receive depend on the perceived likelihood of you making a claim. Use Kanetix.ca to compare quotes and see which company can offer the cheapest car insurance rate for you.
When drivers complete our quick and easy quoting form, we run the information provided against a database of Ontario car insurance providers—the largest database of all comparison websites in the province. If you see a quote that you like, call us and we’ll connect you with one of our insurance experts to complete the process and start paying less for your vehicle.
It only takes a few minutes, leaving you more time to enjoy your savings!
Yes, it is. In 2016, Ontario became one of the first Canadian provinces to approve an insurance policy for ride-sharing apps like Uber and Lyft. This additional coverage is essential for protecting yourself, your car and your customers while driving for a ride-sharing service. If you are considering driving for a ridesharing company, be sure to talk to your insurance provider to ensure you have adequate coverage.
Who Sets Car Insurance Rates in Ontario?
Private insurance companies decide Ontario’s auto insurance rates, which is why they vary from one insurer to another. However, an independent regulatory body called the Financial Services Regulatory Authority of Ontario (FSRA) must review and approve these rates before they are passed on to drivers (prior to June 8, 2019, this organisation was called the Financial Services Commission of Ontario - FSCO) .
In some situations, FSRA may be responsible for rate changes by ordering insurance companies to comply with new regulations.
Every three months, FSRA publishes the rate changes they have approved. Sometimes only a few insurance companies will change their prices, sometimes they all will.
Depending on the market rates can fluctuate up or down, but as seen in the graph and table below, Ontario's average auto insurance rates have been steadily increasing for the last few years:
Q1 2014 -1.01%
Q2 2014 +0.22%
Q3 2014 -0.11%
Q4 2014 -0.54%
Q1 2015 -0.95%
Q2 2015 +0.6%
Q3 2015 -0.5%
Q4 2015 -0.15%
Q1 2016 -3.07%
Q2 2016 +0.33%
Q3 2016 +1.5%
Q4 2016 -0.14%
Q1 2017 +1.24%
Q2 2017 +0.76%
Q3 2017 -0.1%
Q4 2017 +1.03%
Q1 2018 +2.23%
Q2 2018 +1.11%
Q3 2018 +2.06%
Q4 2018 +3.35%
Q1 2019 +2.7%
Q2 2019 +1.99%
Data Source: fsco.gov.on.ca
Individual drivers cannot control these changes, but if you maintain a clean driving record and regularly use Kanetix.ca to compare quotes, you can use them to your financial advantage.
When a new quarter begins you may see opportunities to obtain cheaper car insurance. If you wait until it is time to renew your policy, you could miss out on substantial savings.
How Will the 2019 Provincial Budget Affect Car Insurance in Ontario?
You may have heard about proposed changes to Ontario car insurance in the most recent provincial budget. It is true that Doug Ford and his Progressive Conservative government have big plans for auto insurance in this province, but what does it mean for Ontario’s drivers?
More flexibility when buying auto insurance
The specifics are yet to be released, but the general idea is that you will have more choice when opting in or out of certain coverages. Currently, Ontario auto insurance policies must include Third-party Liability, Direct Compensation Property Damage, Statutory Accident Benefits and Uninsured Automobile Coverage. Whether or not these components will continue to be mandatory remains to be seen. The plan also promotes new types of coverage, including “pay-as-you-go” insurance which could reduce premiums for infrequent drivers.
By allowing Ontarians to pick and choose their policy components, the government expects increased competition between providers to drive down the cost of insurance.
Driver Care Card
The Driver Care Card will be issued to drivers following vehicular accidents which lead to insurance claims. It will be pre-loaded with money to be used towards insurance benefits (physical therapy for example). Currently the insurance companies pay out cash to the claimants. The PC government argue that this new system will make it easier for drivers to navigate the claims process, and by more closely monitoring the benefits being claimed, it will also reduce insurance fraud.
It is a novel idea, and if it does help combat fraud it could go a long way to reducing premiums in Ontario.
Postal Code discrimination
Good news for drivers in Brampton and other areas with notoriously expensive car insurance: the government is pushing to stop insurance companies from factoring in your home address when calculating your annual rate. While this is exciting, it has not yet been approved by Ontario’s legislature.
For more information on the 2019 Ontario Provincial Budget, visit our News & Resources section.
Interesting Stats About Driving in Ontario
The following information is based on car insurance quotes from drivers who compared rates with Kanetix.ca between January and November of 2018.
The five cheapest vehicles to insure in Ontario:
1. 2018 GMC Sierra 1500
2. 2017 Honda Ridgeline Sport
3. 2018 Volkswagen Golf 1.8T
4. 2011 Cadillac SRX
5. 2016 Nissan NV3500
The five most expensive vehicles to insure in Ontario:
1. 2005 Chevrolet Cobalt
2. 2014 Jeep Wrangler Unlimited Sport
3. 2002 Audi A4
4. 2018 Ferrari 488 Spider
5. 1999 Honda Civic SiR
Top 10 most popular automotive brands in Ontario:
We Make Shopping for Auto Insurance Easy
We know that shopping for car insurance in Ontario can be frustrating, not to mention expensive. That’s why Kanetix.ca aims to simplify the process, finding you the best deal in the fastest time.
Join the millions of Canadian drivers who have found cheaper car insurance using Kanetix.ca. Get the lowest price and start saving money today!
*69% of Kanetix.ca customers in Ontario who participated in the survey said Kanetix.ca helped them identify an average savings amount of $600 (Jan – Nov 2018) on their car insurance, which represents 30.4% of their average annual premium of $1,973. The cited amount represents the average difference between the best quote obtained at Kanetix.ca and the current premium amount of participants in the survey. The savings amount varies by individual and does not constitute a guarantee; in each individual case, the difference may be smaller or greater than the savings amount cited.
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