Ontario Auto Insurance Company Rate Tracker

Easily compare the rate fluctuations of Ontario's auto insurance companies with Kanetix's Ontario auto insurance Rate Tracker. Quickly and easily view each company's approved rate changes for the last year in our easy-to-read and use format.

In Ontario, every insurance company must have rate changes approved by the Financial Services Regulatory Authority of Ontario (FSRA) and each quarter, FSRA publishes these rate changes. What follows are the changes approved from each of the last four quarters (one year), to help you keep an eye on the latest Ontario auto insurance rate trends.

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Ontario Auto Insurance Rate Tracker

Insurer Q4 2019 Q3 2019 Q2 2019 Q1 2019 Market Share*
Allstate Insurance Company 0.02% 2.99% n/a 0.51% 5.35%
Aviva General 3.99% n/a n/a n/a 4.92%
Aviva Insurance Company n/a 5.41% n/a n/a 6.00%
Belair Insurance Company n/a 0.00% 5.02% n/a 4.85%
CAA Insurance Company 3.95% n/a -1.20% 0.00% 1.58%
Certas Direct Insurance n/a 0.00% n/a 0.00% 2.98%
Certas Home & Auto n/a 0.00% 2.33% 9.92% 9.29%
Chubb Insurance n/a 6.28% n/a n/a 0.42%
Coachman Insurance n/a 7.50% n/a n/a 0.20%
Commonwell Mutual Insurance n/a 0.12% n/a 8.61% 0.47%
Co-operators General 0.00% 6.20% 0.00% 0.15%/5.01% 5.52%
COSECO Insurance 10.12% n/a n/a n/a 1.35%
CUMIS General n/a n/a 0.00% 1.93%/5.05% 0.41%
Dominion of Canada n/a 15.47% n/a 7.62% 4.18%
Echelon Insurance 5.00% n/a n/a 11.23% 0.92%
Economical Mutual n/a 6.20% n/a 11.40% 6.82%
Farm Mutual Reinsurance 4.80% 3.50% n/a n/a 1.78%
Gore Mutual Insurance Company 4.97% n/a n/a n/a 1.50%
Guarantee Company 7.54% n/a 11.31% n/a 0.62%
Heartland Farm Mutual n/a 4.75% n/a 0.00% 0.33%
Intact Insurance Company 5.00% 0.00% 5.00% n/a 8.09%
Jevco Insurance Company 6.00% n/a n/a 5.00% 0.65%
Northbridge General Insurance 0.48% 10.32% n/a n/a 0.73%
Novex Insurance Company 5.00% 0.00% 5.01% n/a 1.00%
Optimum Insurance Company n/a 7.00% n/a 0.00% 0.18%
Pafco Insurance Company n/a 0.00% 1.40% n/a 0.32%
Pembridge Insurance n/a 4.00% 0.40% n/a 1.77%
Personal Insurance, The n/a 0.00% n/a 0.00% 4.23%
Portage La Prairie Mutual n/a n/a 0.00% n/a 0.18%
Primmum Insurance n/a -0.15% 8.87% 0.02% 1.50%
Royal & SunAlliance 5.00% n/a 0.00% 6.46% 1.09%
Scottish & York Insurance Co. Ltd. 11.05% n/a n/a n/a 1.12%
Security National Insurance n/a 0.04% 8.81% -0.03% 6.57%
SGI Canada Insurance 9.99% n/a n/a 10.01% 0.37%
Sonnet Insurance Company n/a n/a 20.04% n/a 0.74%
Sovereign General Insurance n/a n/a 0.00% n/a 0.00%
TD General Insurance Company n/a -0.20% 8.80% 0.00% 1.16%
Traders General Insurance 5.62% n/a n/a n/a 1.61%
Unica Insurance Inc. 4.78% n/a n/a 6.35% 0.55%
Unifund Assurance Company n/a 2.58%/6.03% n/a n/a 3.09%
Verassure Insurance n/a n/a n/a 0.00% 0.00%
Wawanesa Mutual Insurance n/a 5.02% n/a 4.98% 3.25%
Western Assurance Company 5.00% n/a 0.05% 7.42% 1.15%
Zenith Insurance Company 4.93% -0.04% n/a n/a 0.48%
Overall average impact 1.56% 2.60% 1.99% 2.70%

The data used is courtesy of the Financial Services Regulatory Authority of Ontario (FSRA). The amounts shown are percentage changes in each carrier's average rate approved each quarter.

This chart represents a small sample of the insurance carriers in Ontario; however, the providers listed are the ones who in the last year had a rate change approved. Errors and omissions are unintentional. Additionally, the rate changes listed are the average for the company. An insured person could see their rates increase or decrease more or less than indicated.

*Last published market share number.

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