Fast · Simple · Trusted
The Best Car Insurance Ontario Drivers Trust
100% Canadian Owned
13,000+ Reviews Across Western | 4.5
Coverage Guide
Best Car Insurance Coverage in Ontario
Car insurance in Ontario is provided through the province's private insurance market, meaning coverage options, premiums, and available discounts can vary significantly between insurers. Whether you're commuting on Highway 401, navigating busy city streets in Toronto, Ottawa, or Mississauga, or heading north for a weekend getaway, having the right car insurance helps protect both your vehicle and your financial well-being.
All Ontario drivers are legally required to carry mandatory auto insurance, including third-party liability, Statutory Accident Benefits, Direct Compensation–Property Damage (DCPD) (where applicable under Ontario's evolving auto insurance framework), and uninsured automobile coverage. While these mandatory coverages provide essential financial protection following an accident, many drivers also choose optional coverages such as collision, comprehensive, all perils, and accident forgiveness for enhanced peace of mind.
Ontario drivers face a variety of risks that can influence both coverage needs and insurance premiums. Heavy traffic congestion, harsh winter weather, vehicle theft, distracted driving, severe storms, and rising repair costs all make it important to choose insurance coverage that matches your needs. Optional coverages can help protect against common risks such as collisions, windshield damage, theft, vandalism, falling objects, flooding, and damage caused by snow, ice, or extreme weather.
Understanding how car insurance works in Ontario and what each coverage option includes can help you compare policies with confidence, identify opportunities to save through available discounts, and build a policy that fits your vehicle, driving habits, and budget. Whether you're a new driver, an experienced commuter, or insuring multiple vehicles for your household, working with a licensed insurance broker can help you find the right combination of coverage, value, and personalized advice.
Third Party Liability Insurance Coverage
Third-party liability coverage is the foundation of every Ontario car insurance policy and is mandatory for all drivers. This essential coverage protects you financially if you are found legally responsible for causing bodily injury, death, or property damage to another person in an at-fault accident. It can help pay for medical expenses, rehabilitation costs, lost income, property repairs, legal fees, court costs, and settlements, protecting both your finances and your future.
Whether you're commuting on Highway 401, navigating busy streets in Toronto, Ottawa, Mississauga, or Hamilton, or taking weekend road trips across the province, accidents can happen when you least expect them. Third-party liability insurance helps ensure that innocent parties receive compensation while protecting you from potentially devastating financial consequences.
Why Third-Party Liability Insurance Is Required in Ontario
Ontario law requires every registered vehicle to carry third-party liability insurance under the Compulsory Automobile Insurance Act. This mandatory coverage serves two important purposes:
-
It provides compensation to people who suffer injuries or property damage because of an at-fault accident.
-
It protects you by covering eligible legal defence costs, settlements, and court-awarded damages up to your policy's liability limit.
Without liability insurance, you could be personally responsible for paying hundreds of thousands or even millions of dollars following a serious accident.
What Does Third-Party Liability Cover?
Third-party liability insurance may cover:
-
Bodily injury or death caused to another person.
-
Damage to another person's vehicle, home, business, or other property where applicable.
-
Medical treatment and rehabilitation expenses.
-
Lost wages and future income claims.
-
Legal defence costs and court expenses.
-
Investigation, negotiation, and settlement of claims.
-
Interest awarded after a court judgment.
-
Emergency medical assistance provided at the accident scene.
-
Coverage that automatically adjusts to meet higher minimum liability requirements if you are involved in an accident in another Canadian province or territory.
Example: You run a red light at an intersection in Ontario and collide with another vehicle. The other driver suffers injuries, and their vehicle is severely damaged. If you are found at fault, your third-party liability coverage helps pay for their medical expenses, rehabilitation costs, lost income, property damage, and legal expenses, up to the liability limit on your Ontario auto insurance policy. expenses, vehicle repairs, lost income, and legal costs up to your policy limit.
Accident Benefits Coverage
Statutory Accident Benefits (SABs) are mandatory for all Ontario drivers and provide financial support for you, your passengers, pedestrians, and cyclists injured in a motor vehicle accident regardless of who caused the collision. This no-fault coverage helps pay for eligible medical and rehabilitation expenses, attendant care, income replacement benefits, caregiver benefits (where applicable), non-earner benefits, funeral expenses, and death benefits.
Whether you're commuting on Highway 401, the QEW, Highway 407, or navigating busy city streets in Toronto, Ottawa, Mississauga, or Hamilton, accidents can happen even when you're driving safely. Statutory Accident Benefits ensure you can access medical treatment and financial assistance without having to wait for fault to be determined or a lawsuit to be resolved.
Unlike third-party liability insurance, which protects you against claims made by others, Accident Benefits are designed to protect you and the occupants of your vehicle. If you require emergency medical care, physiotherapy, occupational therapy, chiropractic treatment, rehabilitation services, attendant care, or time away from work due to your injuries, this coverage helps reduce the financial burden during your recovery.
Because recovery after a serious accident can involve months or even years of treatment, many Ontario drivers also choose to increase their standard Accident Benefits limits through optional coverage endorsements for greater financial protection and peace of mind.
Example: You're rear-ended while commuting on Highway 401 and suffer whiplash and back injuries that require several months of physiotherapy and rehabilitation. Your Statutory Accident Benefits coverage helps pay for eligible medical and rehabilitation expenses and provides income replacement benefits if you're unable to work—regardless of who caused the accident.
Uninsured Automobile Coverage
Uninsured Automobile Coverage is mandatory for all Ontario drivers and provides financial protection if you're involved in an accident with a driver who has no auto insurance, cannot be identified following a hit-and-run, or, in certain circumstances, if the at-fault vehicle is uninsured. Although Ontario law requires every vehicle owner to carry auto insurance, uninsured and unidentified drivers still pose a risk on the province's roads.
This mandatory coverage helps protect you, eligible passengers, and your vehicle from financial losses that could otherwise arise when the at-fault driver cannot compensate you for your injuries or damages. It serves as an important safety net, ensuring you're not left paying out of pocket simply because another driver failed to meet their legal insurance obligations.
Whether you're commuting on Highway 401, driving through downtown Toronto, Ottawa, Mississauga, or Hamilton, or your parked vehicle is damaged in a hit-and-run, Uninsured Automobile Coverage provides valuable financial protection against situations beyond your control. It can help cover eligible compensation for bodily injuries, death, and certain property damage caused by uninsured or unidentified drivers, giving Ontario motorists greater peace of mind every time they get behind the wheel.
Example: You're stopped at a traffic light when another driver hits your vehicle and speeds away before they can be identified. If the driver cannot be located, your Uninsured Automobile Coverage may help compensate you for eligible injuries and covered vehicle damage, subject to the terms, conditions, and limits of your Ontario
Direct Compensation Property Damage
Direct Compensation – Property Damage (DCPD) is designed to simplify the claims process when another insured driver is responsible for damaging your vehicle in Ontario. Instead of pursuing compensation through the at-fault driver's insurance company, you typically work directly with your own insurer to have your vehicle repaired and your claim managed.
When a qualifying collision occurs in Ontario between insured vehicles, your insurance company handles the eligible property damage claim from start to finish. This streamlined process helps reduce delays, improves the customer experience, and allows repairs to begin sooner—getting you back on the road as quickly as possible.
Whether you're commuting on Highway 401, navigating busy streets in Toronto, Ottawa, Mississauga, or Hamilton, or involved in an accident during challenging winter driving conditions, DCPD helps make the claims process more convenient. Rather than dealing with another driver's insurer, you communicate directly with your own insurance company, which already understands your policy and can guide you through every step of the claim.
It's important to note that DCPD applies only in specific situations and does not cover damage to your own vehicle if you are entirely at fault for the collision. In those cases, optional Collision Coverage is generally required to pay for repairs to your vehicle.
Example: You're driving through an intersection when another insured driver fails to yield and collides with your vehicle. Since you're not at fault, you contact your own insurance company, which manages your eligible property damage claim and arranges for your vehicle repairs under the applicable terms of your Ontario auto insurance policy.
Collision Insurance Coverage
Example: You hit a patch of black ice during an Ontario winter storm and slide into a concrete median on Highway 401. Collision coverage helps pay to repair your vehicle, minus your deductible, even though no other vehicle was involved in the accident.
Comprehensive Coverage
Comprehensive coverage helps protect your vehicle against damage caused by events other than a collision. This includes theft, vandalism, fire, flooding, hail, falling objects, windshield and glass damage, severe weather, and collisions with animals such as deer. It is an optional coverage in Ontario but is often required by lenders if your vehicle is financed or leased.
In Ontario, comprehensive coverage is especially valuable due to the wide range of unpredictable risks that drivers face throughout the year. Severe winter storms, heavy rainfall, hail, rising cases of vehicle theft in urban areas, and accidental damage from falling branches or debris can all result in costly repairs that are not covered under collision insurance.
Whether you're parked at home, at work, or shopping in busy areas like Toronto, Ottawa, Mississauga, Brampton, or Hamilton, your vehicle is exposed to risks beyond your control. Comprehensive coverage helps protect against these unexpected events and can save you from significant out-of-pocket expenses for repairs or vehicle replacement.
For many Ontario drivers, this coverage provides peace of mind by ensuring their vehicle is protected even when it is not on the road.
Example: A severe summer hailstorm moves through Ontario and damages your vehicle while it is parked, leaving dents on the roof, hood, and trunk. Comprehensive coverage helps pay for repairs, minus your deductible, potentially saving you thousands of dollars in out-of-pocket costs.
Accident Forgiveness Coverage
Accident forgiveness coverage helps protect your driving record and insurance premiums after your first eligible at-fault accident. Without this optional endorsement, an at-fault collision can lead to a significant increase in your insurance premiums, potentially affecting your rates for several years.
In Ontario’s private insurance market, this coverage is especially valuable for drivers who have built a strong, claim-free driving history and benefit from lower premiums over time. A single mistake during a busy commute on Highway 401, a winter storm, or an unexpected traffic situation in cities like Toronto, Ottawa, Mississauga, or Brampton could otherwise have a long-term impact on your insurance costs.
Accident forgiveness helps preserve the value of your safe driving record by ensuring that your first qualifying at-fault accident does not affect your insurance rating with many insurers. However, eligibility, conditions, and availability vary by insurance provider, so it is important to review your policy details carefully to understand how this protection applies.
Example: While navigating a busy parking lot in Toronto, you accidentally back into another vehicle. Normally, this at-fault claim could increase your insurance premium at renewal. With accident forgiveness coverage, your insurer may waive the impact of your first qualifying at-fault accident and maintain your existing driving record.
Waiver of Depreciation
A new vehicle can lose a significant portion of its value within the first few years of ownership due to depreciation. Standard auto insurance in Ontario typically pays the vehicle’s actual cash value (market value) at the time of a total loss, which may be significantly less than the price you originally paid.
Waiver of depreciation coverage is an optional endorsement that helps bridge this gap. If your new vehicle is written off in a covered claim or stolen and not recovered, this coverage may allow you to receive the original purchase price or an agreed replacement value, depending on your policy terms, rather than the depreciated market value.
In Ontario, where vehicle prices and repair costs continue to remain high, this coverage can provide important financial protection for new car owners. It is especially popular among drivers of new SUVs, trucks, and higher-value vehicles in cities such as Toronto, Ottawa, Mississauga, and Brampton.
Waiver of depreciation offers added peace of mind by helping ensure that a total loss early in your ownership does not leave you with a financial shortfall when replacing your vehicle.
Example: You purchase a new SUV in Ontario for $55,000. Two years later, it is declared a total loss after a major collision on a Highway 401 commute. Its current market value has dropped to $43,000. With waiver of depreciation coverage, you may receive the original insured value rather than the depreciated amount, helping you replace your vehicle with a comparable model.
Loss of Use Coverage
When your vehicle is being repaired following a covered claim, you still need a way to get to work, school, appointments, and daily activities. Loss of use coverage helps pay for temporary transportation expenses while your vehicle is unavailable.
Depending on your policy, this coverage may reimburse the cost of a rental vehicle, rideshare services, taxi fares, public transit, or other eligible transportation expenses. It can be particularly valuable in Calgary, where many residents rely heavily on their vehicles for commuting and where repair shops can experience lengthy wait times following major hailstorms or severe winter weather events.
Loss of use coverage helps reduce the inconvenience and financial burden of being without your vehicle during repairs, allowing you to maintain your daily routine while your claim is being completed.
Example: You purchase a new SUV in Ontario for $55,000. Two years later, it is declared a total loss after a major collision on a Highway 401 commute. Its current market value has dropped to $43,000. With waiver of depreciation coverage, you may receive the original insured value rather than the depreciated amount, helping you replace your vehicle with a comparable model.
Cost Factors
What Determines the Cost of Car Insurance in Ontario?
Ontario car insurance premiums can range from about $1,500 to more than $2,600, depending on your vehicle, driving record, location, and age, among other factors. Ontario uses a premium grid system regulated by the Automobile Insurance Rate Board.
Location is a major factor in Ontario insurance pricing. Drivers in high-density regions such as Toronto, Mississauga, Brampton, Ottawa, Hamilton, and the Greater Toronto Area generally face higher premiums due to increased traffic, theft risk, and accident frequency. Major highways like the 401, QEW, 400, and 407 also experience heavy congestion, which contributes to higher claim likelihood and overall insurance costs.
The good news is that many of these factors can be managed. Maintaining a clean driving record, bundling home and auto insurance, selecting appropriate deductibles, installing anti-theft devices, and comparing quotes from multiple insurers can all help reduce insurance costs in Ontario without compromising essential coverage.
Premium estimates are based on publicly available Ontario insurance data and typical driver profiles. Actual car insurance premiums vary based on factors such as driving history, vehicle type, postal code, annual mileage, selected coverage options, and the insurer’s underwriting criteria.
How Car Insurance Premiums Are Calculated in Ontario
In Ontario, premiums are filed and approved by the Financial Services Regulatory Authority of Ontario (FSRA). There is no Grid or AIRB in Ontario. Your price is based on an insurer’s FSRA-approved risk-classification system, which typically considers factors like your driving record and convictions, years licensed, claims history, where you live, how and how much you drive, the coverages and deductibles you choose, and the risk profile of your vehicle (often assessed using systems such as CLEAR).
Key factors that influence your premium
Driving record (tickets/at-fault claims), vehicle make/model/year, theft/repair trends, postal-code territory, annual mileage and usage (commute vs. pleasure), selected coverages and limits, and prior insurance history can all move your rate up or down.
Can I lower my premium?
Yes. Usage-Based Insurance (UBI) programs can reward safe habits measured by an app or device (e.g., smooth braking and consistent speeds). Choosing higher deductibles can reduce premiums (ensure they’re affordable). Bundling auto with home/tenant policies may add a multi-policy discount. Winter tires: In Ontario, all auto insurers must offer a winter-tire discount (the percentage varies by insurer)—ask your Western broker how to qualify.
What Factors Affect Ontario Car Insurance Rates?
Your Driving Record
Your driving history plays a major role in determining how much you pay for car insurance in Ontario. Insurance providers use your record to assess your driving risk, looking at factors such as the number of years you've been licensed, previous insurance claims, at-fault collisions, traffic convictions, and any licence suspensions. A consistent history of safe driving can help you qualify for lower insurance premiums and additional discounts. However, recent accidents, speeding tickets, distracted driving convictions, or other serious driving offences may increase your premium, as insurers view them as indicators of higher risk. Building and maintaining a clean driving record is one of the best long-term strategies for keeping your Ontario car insurance costs as low as possible. Safe driving not only helps you avoid penalties but can also lead to better insurance rates when it's time to renew or switch providers.
Your Ontario Postal Code
Our location within Ontario can significantly influence the cost of your car insurance. Insurance companies assess the risk associated with your postal code by considering factors such as traffic congestion, collision frequency, vehicle theft rates, vandalism, weather-related claims, and the overall number of insurance claims in the area. For example, a driver living in M5V (Downtown Toronto) may pay a different premium than someone in L4W (Mississauga) or L3R (Markham), even if they have the same vehicle and driving record. Insurers use local claims data to determine the level of risk associated with each area. While you can't always control where you live, comparing quotes from multiple insurers can help you find competitive rates based on your postal code and driving profile.
Your Vehicle
The type of vehicle you drive is another key factor that affects your Ontario car insurance premium. Insurance providers consider your vehicle's make, model, year, market value, safety ratings, repair costs, and likelihood of being stolen when calculating your rate. Cars that are expensive to repair, frequently stolen, or equipped with high-performance engines typically cost more to insure. In contrast, vehicles with strong safety ratings and features such as automatic emergency braking, lane-keeping assistance, blind-spot monitoring, and factory-installed anti-theft systems may qualify for lower premiums or insurance discounts. For example, insuring a luxury SUV or a high-performance sports car in Ontario will often cost more than insuring a reliable family sedan or compact vehicle with lower repair costs and a proven safety record. Choosing a vehicle with lower insurance risk can help reduce your premium while still providing the features you need.
How Much You Drive
The amount you drive each year can have a significant impact on your Ontario car insurance premium. Insurance companies use your estimated annual mileage to assess how much time your vehicle spends on the road. In general, the more you drive, the greater your exposure to potential accidents and insurance claims. Drivers with long daily commutes, frequent highway travel, or high annual kilometre totals are often considered higher risk than those who drive occasionally or primarily for personal errands. For example, someone commuting daily on Ontario highways such as Highway 401, Highway 400, the QEW, or Highway 407 may pay more than a driver who works from home and drives only a few thousand kilometres each year. If your driving habits change—such as switching to remote work, retiring, or significantly reducing your annual mileage—you may qualify for lower insurance premiums. Keeping your insurer informed about changes to your driving patterns can help ensure you're receiving the most accurate rate.
Coverage Choices and Deductibles
The coverage you choose has a direct impact on your Ontario car insurance premium. While Ontario drivers are required to carry mandatory auto insurance, many also add optional coverages for greater financial protection. Adding options such as collision coverage, comprehensive coverage, accident forgiveness, waiver of depreciation, roadside assistance, or loss of use coverage can increase your premium but may provide valuable protection in the event of an accident, theft, or other covered loss. Your deductible—the amount you pay out of pocket before your insurance coverage applies—is another important factor. Selecting a higher deductible typically lowers your monthly or annual premium because you assume more of the financial risk. Conversely, choosing a lower deductible usually results in a higher premium but reduces your out-of-pocket expenses if you need to file a claim. When choosing your coverage, it's important to balance affordability with the level of protection that best fits your vehicle, driving habits, and financial situation. Comparing different coverage options can help you find the right combination of value and peace of mind.
Claims History
Your past insurance claims can influence how much you pay for car insurance in Ontario. When calculating your premium, insurers look beyond the number of claims you've filed, they also consider the type of claim, how recently it occurred, whether you were found at fault, and the overall pattern of your claims history. This information helps insurers evaluate the likelihood of future claims. A driver with several recent at-fault collision claims may pay more for coverage than someone with a long history of responsible, claim-free driving. However, not every claim affects your premium in the same way. For example, comprehensive claims for windshield damage, hail, theft, or vandalism may have a different impact than repeated at-fault accident claims, depending on your insurer and policy. Building a strong claims history by driving safely, avoiding preventable accidents, and only filing claims when appropriate can help you qualify for lower Ontario car insurance rates over time. Many insurers also reward long-term, claim-free drivers with discounts, preferred pricing, or additional policy benefits at renewal.
Ontario Weather and Storm Damages
Ontario’s weather conditions create their own set of insurance risks that can impact car insurance premiums. Drivers across the province regularly face heavy snowfall, freezing rain, ice storms, dense fog, strong winds, and seasonal flooding, all of which can increase the likelihood of vehicle damage and insurance claims. Winter conditions are particularly challenging, with icy roads, black ice, and reduced visibility contributing to a higher frequency of collisions and roadside incidents. In warmer months, severe thunderstorms, hail, high winds, and localized flooding can also lead to comprehensive claims for vehicle repairs or replacement. These weather-related risks are factored into Ontario insurance pricing, as insurers assess the likelihood of claims based on regional driving conditions and seasonal hazards.
Vehicle Theft Risk
Vehicle theft is an ongoing concern in Ontario and is one of the factors insurers consider when setting car insurance premiums. Some vehicle makes and models are targeted more often than others, which can lead to higher costs, especially for comprehensive coverage. However, installing anti-theft devices, GPS tracking systems, engine immobilizers, and other security features can help reduce risk and may qualify drivers for insurance discounts.
By understanding these factors and working with an insurance broker to compare quotes from multiple insurers, Ontario drivers can often identify opportunities to lower their premiums while maintaining the coverage they need to protect themselves, their vehicles, and their finances.
Ready to Save on Car Insurance?
Get a personalized quote in minutes. Our licensed Ontario advisors are ready to find your best rate.
No obligation · Average savings of 750 per year · Licensed in Ontario
Ways to Save
Ways to Save on Car Insurance in Ontario
Car insurance premiums in Ontario can vary widely, even for drivers with similar vehicles and driving records. That's because each insurance company uses its own underwriting guidelines, risk assessment, discounts, and pricing model to calculate premiums. As a result, the same driver may receive significantly different quotes from different insurers. Comparing car insurance quotes is one of the most effective ways to find the right balance of price, coverage, and service. Working with an insurance broker can make this process easier by allowing you to compare multiple insurance providers and identify the policy that best fits your needs and budget. While factors such as your driving record, location, vehicle, annual mileage, and coverage selections influence your premium, there are several practical ways to reduce your insurance costs without compromising essential protection.
Ontario drivers can often save hundreds of dollars each year by comparing insurance quotes, taking advantage of available discounts, bundling policies, adjusting deductibles where appropriate, and selecting coverage that matches their needs. Here are some of the most effective ways to lower your car insurance premium in Ontario.
Households with more than one vehicle may qualify for multi-vehicle discounts when all eligible vehicles are insured with the same insurance company. Combining your vehicles under one policy can help lower your overall car insurance costs while making renewals, billing, and policy management more convenient.
Many Ontario insurers offer increasing discounts as additional eligible vehicles are added to the policy. Since discount amounts and eligibility requirements vary by insurer, comparing quotes through an insurance broker can help you maximize your savings while ensuring each vehicle has the right level of coverage.
Your deductible is the amount you pay out of pocket before your Ontario car insurance policy covers an eligible claim. Increasing your deductible typically reduces your insurance premium because it lowers the insurer's financial risk. However, it's important to choose a deductible you can comfortably afford if you need to file a claim. Before selecting a higher deductible, consider your emergency savings and ability to cover unexpected repair or replacement costs. Finding the right balance between lower premiums and out-of-pocket expenses can help you save on car insurance without creating unnecessary financial risk.
Bundling your home and auto insurance is one of the most effective ways to reduce your car insurance premium in Ontario. Many insurance companies offer multi-policy discounts when you purchase both policies together, helping you save money while keeping your coverage under one provider.
However, not all bundle discounts are the same. That's why it's important to compare insurance quotes from multiple insurers before making a decision. An insurance broker can help you compare rates, coverage options, deductibles, and available discounts from different providers to ensure you're getting the best overall value—not just the lowest price.
In addition to potential savings, bundling can simplify policy management, provide a single renewal date, and may unlock additional benefits such as enhanced coverage options or loyalty rewards, depending on the insurer.
Your car insurance needs can change over time as your vehicle ages, your driving habits evolve, or your lifestyle changes. Reviewing your Ontario car insurance policy annually helps ensure you have the right coverage without paying for protection you no longer need.
An annual review is also an excellent opportunity to compare car insurance quotes from multiple Ontario insurers, update your deductible, review optional coverages, and see if you qualify for new discounts. Life changes such as moving, driving fewer kilometres, adding or removing a driver, or bundling your home and auto insurance could help lower your premium.
Speaking with an Ontario insurance broker each year can help you compare coverage options, identify potential savings, and ensure your policy continues to provide the right protection at a competitive price.
Your driving record is one of the most important factors affecting your car insurance premium in Ontario. Insurance companies generally reward drivers who maintain a history free of at-fault accidents, traffic violations, and major driving convictions with lower insurance rates.
Practising safe driving habits, obeying speed limits, and avoiding distracted or impaired driving can help you preserve a clean record and qualify for better premiums over time. Many insurers also offer additional savings for drivers with several consecutive years of claims-free driving.
Because past driving behaviour is often viewed as an indicator of future risk, maintaining a clean driving record remains one of the most effective long-term strategies for keeping your auto insurance costs as low as possible.
Comparing car insurance quotes is one of the smartest ways to save on auto insurance in Ontario. Since every insurance company uses its own pricing model, premiums for the same driver, vehicle, and coverage can vary significantly.
Rather than requesting quotes from multiple insurers individually, working with an insurance broker allows you to compare rates from several insurance providers through a single point of contact. A broker can assess your driving history, coverage needs, and eligibility for discounts to help you find the right balance of price and protection.
When comparing quotes, don't focus solely on the premium. Review coverage limits, deductibles, optional endorsements, claims service, and available discounts to ensure you're receiving the best overall value for your insurance needs.
Is Ontario’s car insurance going to change?
Yes: Major changes to Ontario’s auto insurance system will take effect on July 1, 2026.
Under the new rules, only medical, rehabilitation, and attendant care benefits will remain mandatory. Other accident benefit coverages, such as income replacement, caregiver, and funeral benefits, will become optional. The goal is to give drivers more choice and potentially lower premiums, but it’s important to review your coverage carefully to avoid being underinsured.
Only medical, rehabilitation and attendant care benefits will remain mandatory. Other Accident Benefits (like income replacement, caregiver, non-earner, death & funeral) will become optional and must be added if you want them
Review optional Accident Benefits carefully with your broker to avoid being under-insured—especially income replacement and caregiver/housekeeping benefits if you rely on them
Your auto insurer becomes the first payor for medical and rehabilitation benefits, helping you preserve workplace or private health benefits
Bundle & Save
Bundle Your Home and Car, Save up to 20%
Many Ontario drivers choose to bundle their home and car insurance policies to simplify coverage and qualify for multi-policy discounts. Bundling your insurance with the same provider can help lower your overall insurance costs while making it easier to manage renewals, billing, claims, and policy updates through a single insurance company or broker.
Whether you own a home in Toronto, Ottawa, Mississauga, Hamilton, London, Vaughan, or anywhere else in Ontario, bundling your home and auto insurance may help you maximize savings while ensuring both your home and vehicles have the protection you need. Comparing bundled insurance quotes from multiple providers can also help you find the best combination of coverage, service, and value.
- Save up to $750 per year when you bundle your home and car insurance*
- Compare bundled insurance quotes from multiple insurance providers
- One broker, one renewal date, and simplified policy management
- Potential eligibility for combined deductibles on qualifying claims
- Access to multi-policy, loyalty, and other available insurance discounts
- Personalized coverage recommendations based on your household and driving needs
- Dedicated claims support through a single insurance provider
FAQ
Frequently Asked Questions
Coverage & Claims
Premiums & Savings
EXPLORE Ontario
Best Car Insurance Across Ontario
Whether you're looking for car insurance in Toronto, Ottawa, Mississauga, Scarborough, Windsor, London, Hamilton, Kitchener, Markham, Vaughan, or another Ontario community, Western Financial Group makes it easy to compare car insurance quotes from multiple insurance providers. Explore city-specific insurance information, compare coverage options, and find the right policy for your driving needs and budget anywhere in Ontario.
Toronto Car Insurance | Ottawa Car Insurance | Scarborough Car Insurance | Windsor Car Insurance | London Car Insurance | Thunder Bay Car Insurance | Gatineau Car Insurance | Sudbury Car Insurance | Timmins Car Insurance | Kingston Car Insurance | Markham Car Insurance | Sault Ste. Marie Car Insurance | Cornwall Car Insurance | Guelph Car Insurance | Vaughan Car Insurance | Cambridge Car Insurance | Burlington Car Insurance | Whitby Car Insurance | Waterloo Car Insurance | Barrie Car Insurance | Woodstock Car Insurance | Brantford Car Insurance | Belleville Car Insurance | Welland Car Insurance | Peterborough Car Insurance | Kenora Car Insurance | North Bay Car Insurance | Kawartha Lakes Car Insurance | Lindsay Car Insurance | Sarnia Car Insurance | Port Carling Car Insurance | Kitchener Car Insurance | Hamilton Car Insurance | Newmarket Car Insurance | Orangeville Car Insurance | Milton Car Insurance | Midland Car Insurance | Orillia Car Insurance | Bracebridge Car Insurance | Huntsville Car Insurance | Aurora Car Insurance | Mississauga Car Insurance
Explore More
Other Insurance Products
Home Insurance
Protect your Alberta home, condo, or property with comprehensive coverage.
Renters Insurance
Affordable coverage for renters with protection for belongings and liability.
Business Insurance
Commercial coverage tailored to your industry and operations.
Travel Insurance
Coverage for medical emergencies, trip cancellations, and lost baggage.