Did you know? You can save up to 10% when you bundle your Ontario car and home insurance with Western Financial Group.
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We get you the best car insurance in Ontario because we put you in the driver’s seat at Western Financial Group. How? Western is a leading insurance broker and we partner with Canada’s top insurers to get you personalized car insurance quotes. You choose the best Ontario car insurance quote that fits your needs and saves you money. That’s easy, right?
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Pro tip: New drivers are often covered under their parents’ insurance when learning to drive with a permit, so staying on the family policy initially can help save money.
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.
The best way to find out how much your Ontario car insurance will cost is to request a personalized quote from Western Financial Group.
Complete our quote form for same-day expert service.
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).
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.
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.
All drivers must have basic automobile insurance with at least the mandatory coverages to legally drive in Ontario.
Third-party liability insurance: Covers damages or injuries you cause to other people or their property. The minimum required limit is $200,000, but most drivers choose higher limits (e.g., $1 million) for better protection.
Direct Compensation – Property Damage (DCPD): Covers damage to your vehicle and its contents when another insured driver is at fault. You claim directly with your own insurer regardless of who caused the accident.
Accident Benefits Coverage: Provides medical, rehabilitation, funeral, death, and income replacement benefits to you and your passengers if injured in an accident, regardless of fault. Known as "no-fault benefits".
Uninsured Automobile Coverage: Protects you and eligible family members if you’re injured or killed by an uninsured or unidentified (hit-and-run) driver.
Collision coverage: Pays to repair or replace your vehicle if it’s damaged in a collision, regardless of fault.
Comprehensive coverage: Protects your vehicle against theft, vandalism, hail, fire, or damage not caused by a collision.
Specified perils: Covers named risks like fire or theft.
All perils: Combines collision and comprehensive with broader protection.
Additional endorsements
You can switch insurance companies whenever you want. It’s a good idea, though, to wait until your Ontario car insurance policy renewal date to avoid paying cancellation penalties if you’re mid-way through your policy.
Did you know? Changing insurance companies will not affect your insurance rate.
You’ll need your driver’s licence, along with the driver’s licence of anyone else in your household who will be included in your car insurance policy. You will also need the VIN (vehicle identification number) for your car. You’ll need to tell us whether your vehicle is financed or leased along with the payment details. Our experts will help you find ways to save.
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.
Your auto insurer becomes the first payor for medical and rehabilitation benefits, helping you preserve workplace or private health benefits.
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.
Third party liability car insurance pays for injuries or property damage you cause to others in Ontario. Higher limits offer more protection if a claim is large. It’s the foundation of every auto policy.
Collision helps pay to repair or replace your car after a crash with another vehicle or object in Ontario. Lenders often require it for leased or financed vehicles. It protects the value of your car.
Comprehensive covers non-collision risks like theft, vandalism, fire, and severe weather in Ontario. It addresses events you can’t control. Many drivers choose it for added peace of mind.
Common add-ons include glass coverage, loss-of-use (rental car), roadside assistance, and a waiver of depreciation in Ontario. These reduce out-of-pocket costs after a claim. Choose options that match how you drive.
Some policies extend to rental cars automatically in Ontario, while others require an endorsement. This can be cheaper than buying coverage at the counter. Check before you book to avoid gaps.
The Ontario government has not announced a formal rate cap like Alberta’s Good Driver Rate Cap. However, as part of the province’s auto insurance reforms coming into effect on July 1, 2026, insurers will have greater flexibility to price premiums based on risk. These changes aim to encourage competition and affordability while reducing fraud and administrative costs. Drivers are encouraged to review their coverage options carefully, since some accident benefits will become optional and may affect overall premiums.
Ontario law prohibits using credit information to set or underwrite auto insurance rates. A credit check won’t lower your auto premium in Ontario. (Some insurers may use credit for other product lines, like property insurance, with consent.) Your Western broker can still shop multiple insurers to find you the best available auto rate—no credit check needed.
Insurers consider your driving record, vehicle type, where you live, usage, and claims history in Ontario. They also look at repair and theft trends. Safer habits and lower-risk vehicles can reduce costs.
Vehicle make, model, and year: Insurers consider the likelihood of theft, accident claim frequency, repair costs, and safety features. Newer or high-tech vehicles can be more expensive to insure due to costly repairs.
Driving record: At-fault accidents and major infractions raise premiums, potentially for several years, while minor tickets may have less impact.
Where you live in Ontario: Areas with higher theft, vandalism, or frequent hail damage lead to higher rates.
How much you drive: The more kilometres driven annually, the greater the risk of an accident, which increases premiums.
Age and gender: Younger drivers, especially men under 25, pay higher premiums due to inexperience and risk.
Insurance history: A clean history without gaps or claims generally lowers rates.
Types of coverage and deductibles: The coverage limits, optional add-ons, and deductible amounts chosen influence the premium.
Vehicle usage: Personal vs. commercial use affects rates. Using a vehicle for work, ridesharing, or delivery generally increases premiums
Ontario car insurance premiums are approved by the Financial Services Regulatory Authority of Ontario (FSRA). There is no Alberta-style Grid in Ontario. Your premium depends on factors like your driving record, where you live, the vehicle you drive, your coverages and deductibles, and claims history. Many insurers also use the CLEAR system to assess a vehicle’s claims risk profile.
Some insurers offer winter-tire discounts in Ontario even though they aren’t mandated by law. Better traction can reduce collisions. Ask your broker which companies reward seasonal tire use.
UBI uses an app or device to track driving behaviours like braking and speed in Ontario. Safe driving can earn discounts. It gives cautious drivers a way to save.
Traffic convictions and at-fault claims can influence premiums for multiple years in Ontario. The impact depends on severity and frequency. Keeping a clean record is the best way to lower costs over time.
While the legal minimum exists, many drivers select higher limits such as $1–2 million in Ontario. Higher limits provide better protection against large claims. Your broker can help you choose an amount that fits your risk tolerance.
Western answers your top questions about your Ontario car insurance.
Check for injuries, move to safety if possible, and document the scene in Ontario. Exchange information and gather photos and witness details. Contact your insurer promptly to start the claim. Contact police, if needed.
If you’re not at fault, DCPD covers your vehicle damage through your own insurer in Ontario. If you’re at fault and purchased collision, that coverage applies. This approach speeds repairs and clarifies responsibilities.
Driving uninsured can lead to heavy fines, licence suspension, and vehicle seizure in Ontario. You could also be personally liable for all damages. Insurance protects your finances and driving privileges.
Many insurers provide electronic pink cards that are accepted as proof of coverage in Ontario. Keeping a digital copy on your phone makes it easy to present when required. Ensure the card is current and readable.
Personal policies may exclude commercial use, so you will likely need a rideshare or delivery endorsement in Ontario. The right coverage keeps you compliant and protected while earning. Confirm requirements with your platform and broker.
Accidents and emergencies can happen outside regular business hours. Western’s insurance experts are available 24 hours a day, 7 days a week to receive
your calls.
During business hours: If you have a claim during regular business hours, contact your local Western Financial Group broker in person, or call 1-866-245-2779. Or you can also place the claim online through your broker.
After hours: To make a claim after hours, call our toll-free emergency claims phone line at 1-877-599-7299 and our team will review your details. Property claims receive immediate attention with an adjuster assigned. Emergency property claims receive immediate attention with an adjuster assigned. For all other non-emergency claims, including automobile, a Western Broker will contact you on the next business day.
From Toronto to Ottawa to Mississauga, Brampton, Hamilton, London, and beyond, Western’s insurance advisors are here to help you get the right car insurance wherever you are in Ontario:
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