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Shop for a Better Auto Insurance Rate in Ontario

Owning and operating a vehicle in Ontario can get expensive, especially when you factor in the cost of maintenance, gas, winter tires, and auto insurance. If you live within the GTA, you’ll especially notice how expensive your auto coverage is compared to other parts of the province.

While having car insurance is a legal requirement in Ontario if you want to operate a vehicle, you are not required to settle on the first auto insurance rate you find. Luckily, Ontario has a competitive auto insurance industry, which means it really pays to shop around.

One of the easiest ways to shop around and compare the most auto insurance rates is to use our free online comparison tool. On average, Ontario drivers save $610 after searching and comparing quotes with Kanetix.ca.

Getting started is easy, and all it takes it filling out one form. From there, we do the legwork and get rates from over 50 providers in Ontario. We show you quotes directly from the insurers, so there’s no need to go to multiple websites and fill out the same form over and over again. What’s more, we show you the best rates available, making it easy for you to pick the coverage and price you like best for your needs.

See if you could save $610 and compare quotes now!

Ontario has some of the highest auto insurance premiums in Canada, but that doesn’t mean everyone pays the same prices. Where you live, what you drive, how long your commute is, and your driving history are just some of the factors that affect how much you will pay in yearly auto insurance premiums. 

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.

With a population of over 14 million people living across 444 municipalities, you can be sure there are a lot of drivers on Ontario roads. In many parts of this large province, driving in Ontario is a necessity. 

According to the 2016 census, residents of Ontario spend an average of 28.8 minutes commuting to work, a few minutes more than the national average of 26.2 minutes. In some parts of Ontario, like Milton for example, drivers spend 35 minutes driving to work. 

How much you drive can affect your insurance rate. Based on Ontario drivers quote data from Kanetix.ca, the average commuter drives 12.19 km in Ontario. 

The more time you spend on the road, the higher your chances of being in a collision or getting a ticket. If you can, start carpooling with colleagues to work, taking public transit, biking or walking because if you can find ways to spend less time commuting, not only could you benefit from a lower premium, but you’ll also decrease your chances of getting a ticket or being in a collision. There are also health benefits too if you bike or walk to work instead of taking the car.

Your vehicle is something insurers consider when calculating your auto premium. If your vehicle is a popular target for thieves, for example, your premium will likely reflect this unfortunate reality. Check the Insurance Bureau of Canada’s annual list of the most stolen cars in Canada and see if your car made the list!

The following lists are based on car insurance quotes from drivers who compared rates with Kanetix.ca.

Top 10 most popular automotive brands with Ontario drivers are:

  1. Honda 
  2. Toyota 
  3. Hyundai 
  4. Ford 
  5. Chevrolet 
  6. Nissan 
  7. Dodge 
  8. Mazda
  9. Volkswagen 
  10. BMW

Top 10 most popular vehicles with Ontario drivers are:

  1. Honda Civic 
  2. Toyota Corolla 
  3. Mazda Mazda 3 
  4. Hyundai Elantra 
  5. Honda Accord 
  6. Toyota Camry 
  7. Honda CR-V
  8. Volkswagen Jetta 
  9. Chevrolet Cruze 
  10. Ford Escape

It comes as no surprise that Honda came first in the top automotive brands, seeing as the Honda Civic, Honda Accord, and Honda CR-V are on the list of top 10 vehicles in Ontario that drivers got a quote for while shopping their rate.

For the most part, cars that are considered compact, mid-size and full size are the most common vehicles quoted from Ontario drivers. The Honda CR-V and Ford Escape are the only crossovers that made it on this list. Although the Dodge Grand Caravan didn’t make the list of top 10, it was number 11, making it a top choice for Ontario drivers that require a family-friendly vehicle.

Ontario rates from real users

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Tips on how to lower your Ontario auto insurance rate

Car insurance is expensive, but that doesn’t mean you need to spend more than you should. There are many ways to get discounts, and with enough of them, you’d be surprised by how quickly the savings add up! That’s money better spent on a fun day out with your family or filling up your gas tank for a few weeks.

Here are tips on how to lower your car premiums:

Install winter tires. Winter tires not only increase your safety while driving in winter conditions, they also get you a discount of up to five per cent! It comes as no surprise that 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 from five to 15 per cent.

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.

Ask for 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, such as CAA, can also get you a discount.

Driver’s training. Not only will new drivers be better equipped for the road, they’ll also get a discount on car insurance when they’ve completed a registered driver training course.

Usage-Based Insurance. If you’re willing to install a telematics device in your car to collect your driving data (kilometres driven, braking, and other driving habits, for example), then you could get a discount if the data shows your insurer you’re a great driver.

Compare rates. Rates change four times a year in Ontario, which means they can go lower than what you’re paying now. It costs nothing to compare rates with us, and you’ll have peace of mind knowing you’re paying the best rate available to you.

Join the millions of Canadian drivers who have lowered their car insurance using Kanetix.ca. Get your best rate today!

*75% of Kanetix customers in Ontario who participated in the survey said Kanetix helped them identify an average savings amount of $610 (June – November 2017) on their car insurance. The cited amount represents the average difference between the best quote obtained at www.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.