Get an online auto insurance quote now
Excellent coverage at a great price is only a few short steps away. Give us some details about yourself and your vehicle and we’ll search dozens of the top auto insurers in Ontario for your best deal!
Bundle discounts
Bundle your home and auto insurance and save up to $600. As a brokerage for over 70 of the best insurance companies, we can get you great rates for whatever coverage you need.
Auto insurance in Ontario: What’s covered?
If you drive in Ontario, you’re required to have at least the mandatory minimum insurance coverage:
Third-party liability
If you have an at-fault accident, you can be sued for property damage or hurting someone. Covers court awards, out-of-court settlements and legal fees. Minimum $200,000 coverage. We recommend $2M.
More about liability
Accident benefits
Covers medical costs beyond government health plans. Includes rehab, attendant care, and lost income due to missing work. Also covers the cost of a substitute caregiver for your kids or elderly parent.
More about AB
Direct compensation
If another driver is at fault for an accident, direct compensation – property damage (DCPD) coverage pays to repair your vehicle, with no deductible. Also covers any stuff in your vehicle and a rental car.
More about DC-PD
Uninsured auto
If you get in a car accident with a driver who doesn’t have insurance, uninsured automobile coverage allows you to recover damages in court or out-of-court as if they did. It also covers hit-and-runs.
More about uninsured auto
Auto insurance in Ontario: Optional coverages
We strongly recommend the following coverages:
Collision coverage
Collision coverage pays to repair or replace your car after an accident. For a small additional premium, loss of use coverage pays for a rental while your car’s in the shop.
More about collision
Comprehensive coverage
Comprehensive coverage pays to repair or replace your vehicle if it’s stolen or damaged by fire, vandalism, extreme weather, or flying debris on the road.
More about comprehensive
Increased coverage limits
Increase your limits for liability and/or accident benefits for medical, rehabilitation, attendant care, income replacement, death and funeral benefits.
Need special coverage?
Classic car insurance
If you have a vintage ride that you only drive on special occasions, you can save big.
More about Classic car insurance
EV insurance
Save a little money while you help save the planet. Coverage for your charger too.
More about EV insurance
High-risk auto insurance
Quotes from the best high-risk car insurance companies in Ontario. Save time and money.
More about High-risk auto insurance
Pay-as-you-go car insurance
Drive less than 12,000 km a year? You can save up to 70% on auto insurance. Yes you can.
More about Pay-as-you-go car insurance
RHD insurance
Right-hand drive vehicles need special insurance, but we have affordable coverage.
More about RHD insurance
RV insurance
Escape to your slice of paradise with standalone coverage available or save up to 30% by bundling your RV, car and home.
More about RV insurance
Uber insurance
If you drive paying customers in your own car, you need special coverage and we’ve got it.
More about Uber insurance
Why choose Mitch as your insurance broker?
We’ll do the shopping for you to find you the best prices on auto insurance in Ontario. We’ll make sure you know exactly what’s covered and what’s not, so you feel completely comfortable with your policy and rate.
Frequently asked questions about auto insurance:
How to save on car insurance and other things you should know about auto coverage in Ontario.
How much is car insurance in Ontario?
Ontario drivers pay an average of $1,500 to $2,000 annually for auto insurance–at least 50% more than other Canadians. Claims costs are also higher. Rates vary significantly by city, with averages as low as $1,000 in Kingston, Napanee, and Belleville, and climbing to $2,500 in some regions in the Greater Toronto Area.
How can I improve my driving record to save on insurance?
Having a good driving record makes a big difference when it comes to your insurance rates. Create safe practices like checking travel routes in advance and adjusting your driving for weather conditions. If you get a speeding ticket or have an at-fault accident, we’ll make sure it doesn’t stay on your driving record forever.
Why do some cars cost more to insure than others?
Here are some reasons why certain cars are cheaper to insure than others:
- How well the car protects you in an accident
- Safety features that may prevent accidents
- How often that type of vehicle is stolen
- Cost of car repairs/replacement
Is there a seniors discount for car insurance?
Yes! A lot of insurance companies give huge discounts to seniors. If you’re over 55, we can probably help you reduce your rates.
Can I get a car insurance quote without a car?
You’ll need the year, make and model of the vehicle you want to buy for an accurate quote. If you’re car shopping and trying to decide between different makes and models, call us and one of our insurance brokers will get you a quote for each of them. But keep in mind that you can’t actually get insurance until you show proof of ownership.
Can car insurance prices change daily?
No, not in Ontario. Every insurance company that sells car insurance in Ontario needs to get approval from the provincial regulator, FSRA, whenever they want to change their rates. To steer clear of unpleasant rate increases on renewal, avoid tickets and at-fault accidents, make payments on time and always provide accurate info to your broker and insurance company.
What if I drive my car for business use, Uber or Lyft?
If you use your car, truck or van for business (including Uber) you’ll need special auto insurance. Learn more about ridesharing insurance
Is it cheaper to get car insurance through a broker?
This depends on your circumstances. In many instances, working with a broker for your car insurance can save you money. But that’s not always the case. Sometimes going with an agent or a direct writer may get you the best price.
Car insurance rates are determined by many different factors that are unique to you, including where you live, your driving experience, the type of vehicle you’re insuring, if you’ve had tickets or at-fault accidents, and more. Insurance brokers work with multiple insurers to find clients different coverage options and rates. Using a brokerage that has partnered with a large number of insurance companies will give you a higher chance of finding the best price that’s out there for you. It will also save you a lot of time too.
Learn more about the pros and cons of buying insurance from brokers, agents and direct writers.
