Why choose Mitch as your insurance broker?
When it comes to auto insurance, there’s so many different types. We get to know you so we can find you the most affordable option for the type of auto coverage you need. As a brokerage that works with so many of Canada’s leading providers, we have plenty of choice when it comes to finding you a great price. Here are some of the many providers we work with:
Get Ontario auto insurance online
No need to go into an office when you can quote and bind on coverage from the comfort of your own home. Great coverage at an affordable price is only a few clicks away. Let us get to know you, the kind of auto insurance coverage you need, and what you drive, and we’ll shop from dozens of the best carriers in Ontario for your best deal!
Your partner in affordable coverage
Buying from a broker like Mitch means learning about great savings opportunities, such as auto and home bundling, which can save you hundreds of dollars on your insurance. As a brokerage, we have access to tons of carriers to shop the market on your behalf.
Auto insurance in Ontario: What do you need?
Auto insurance is an umbrella term for many different types of insurance designed for vehicles. There’s your standard car insurance, and then there’s everything else. What do you need?
Private: Car insurance sample
No matter what kind of vehicle you drive, we’ve got lots of different options to help you save money on car insurance.
More about Private: Car insurance sample
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
How much does auto insurance cost in Ontario?
Auto insurance costs in Ontario vary depending on the type of policy you are looking to buy. Whether you’re angling to purchase electric, high-risk, pay-as-you-go, RHD, or standard car insurance, Mitch Insurance’s broker team can help you find the most affordable option. Click here for methodology.
Sort by averages
2015
Toyota Rav4
$1854/YR
Ottawa, Ontario
$1,000,000 third-party liability and all perils coverage ($1,000 deductible)
2019
Kia Sorento
$2070/YR
Peterborough, Ontario
$1,000,000 third-party liability and all perils coverage ($1,000 deductible)
2020
Volkswagen Passat
$2469/YR
Hamilton, Ontario
$1,000,000 third-party liability and all perils coverage ($1,000 deductible)
2015
Toyota Rav4
$1471/YR
Ottawa, Ontario
$1,000,000 third-party liability and all perils coverage ($1,000 deductible)
2019
Kia Sorento
$1764/YR
Peterborough, Ontario
$1,000,000 third-party liability and all perils coverage ($1,000 deductible)
2020
Volkswagen Passat
$2115/YR
Hamilton, Ontario
$1,000,000 third-party liability and all perils coverage ($1,000 deductible)
2015
Toyota Rav4
$1216/YR
Ottawa, Ontario
$1,000,000 third-party liability and all perils coverage ($1,000 deductible)
2019
Kia Sorento
$1345/YR
Peterborough, Ontario
$1,000,000 third-party liability and all perils coverage ($1,000 deductible)
2020
Volkswagen Passat
$1740/YR
Hamilton, Ontario
$1,000,000 third-party liability and all perils coverage ($1,000 deductible)
How to get insurance quotes
Getting an auto quote with Mitch can be done in just a few short minutes. Simply answer a few questions about your situation, and our brokers will handle the rest.
Information needed to get auto insurance quotes
When getting a quote, we may ask for the following information:
Make and model of car
Some vehicles are safer to drive than others or stolen less often. How old your car is also an important figure, as this affects its value.
How far you drive
How much mileage you put on your car can be a reflection of risk, so your insurer will want to know your daily driving distance.
Where you live
Traffic patterns, theft, and collision rates differ depending on location, so you’ll be asked where you primarily garage your vehicle.
Anti-theft devices
Any car alarms, anti-burglar alarms, or recovery software may help to improve your car’s security, so be sure to include details about any anti-theft devices you have.
Driving history
Your driving record, plus any tickets/claims you’ve had, can be a reflection of your future. Insurers will want to know this.
Vehicle drivers
Insurers will want to know who else might be driving your vehicle as well as their record.
Business use
If you drive your vehicle for income, insurers will want to know this as it could impact your overall risk.
Coverage
Insurers will want to know what you’re looking for, including add-ons for replacement vehicles, gap insurance, and more.
Why get multiple auto insurance quotes?
Shopping the market, i.e., shopping around for quotes, is one of the best ways to get cheaper auto insurance. You can do this with a broker.
Why does it work? We’ve quoted 3 drivers from several of our carriers. See the difference in prices quoted for each of our profiles:
Need fair and reliable auto insurance?
The cost of auto insurance in Ontario – over time
The cost of auto insurance in Ontario now averages out to $2,006, which is a steady increase from the past couple of years. The total average premium has increased by just over 20% from June 2022 to October 2024.
We’ve included a graphic which indicates the change in auto insurance rates in the province of Ontario for the period of 2022-2024.
Is auto insurance getting more expensive?
Your auto insurance rates may have increased despite no change in your situation. If you’ve noticed a shift in your prices, it’s likely due to industry factors out of your control.
Here are some of the factors that could be playing a role.
Inflation
Higher inflation rates cause the price of auto parts, mechanical labour, and medical expenses to rise, boosting the cost of insurance claims.
Rising vehicle repair costs
Due to inflation as well as supply and demand, rising vehicle repair costs mean vehicles cost more to fix.
Natural weather disasters
The more weather disasters there are, the more claims end up being made. When insurers pay out more, they need to raise rates to compensate.
Vehicle theft
As more and more vehicles are stolen, insurers are having to pay out more. Some vehicle models are more often stolen than others and may see higher rates due to this.
Insurance market trends
Insurers may become more or less competitive for certain demographics, which can influence pricing.
Reinsurance costs
Insurers depend on reinsurance to manage larger risks so a rise in the costs of reinsurance can trickle down.
Insurance fraud
As more insurance fraud occurs, companies pay out more, which is offset by raising premiums for everyone.
Longer repair times
Lack of mechanical labour can result in longer repair times, increasing the cost of loss of use coverage and premiums overall.
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Source: Jd Power, Home Insurance Study 2018
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Frequently asked questions about auto insurance
How much is auto insurance?
In Ontario, the average price of auto insurance is $1927/year. However, the cost of auto insurance varies due to factors like your driving history, vehicle type, coverage levels, discounts, location, and more. Getting a quote is the most precise way to gauge how much you will pay for your auto insurance.
What is a deductible in auto insurance?
A deductible is an amount you agree to pay out-of-pocket for a claim before your provider steps in to pay the remaining amount. If you have a covered claim worth $2,000 and your deductible is $500, you would have to pay the $500 toward the repairs before your insurer covered the remaining $1,500.
Does my auto insurance cover rental cars?
Optional coverage called loss of use exists to cover rental cars in the event of an at-fault or partly at-fault accident (where damages would be covered under collision/comprehensive coverage). This covers rental costs up until a set limit, usually between $1,500-$5,000, depending on the insurer. DC-PD also automatically provides loss of use coverage, so if you’re involved in a not-at-fault accident you would also have coverage for a rental vehicle or alternative transportation.
What is covered in comprehensive auto insurance?
Comprehensive is designed to cover non-collision damages, including falling objects, natural disasters, fire, vandalism, wildlife, and theft. It’s optional and usually paired with collision coverage.
Can I cancel my auto insurance at any time?
Yes, but depending on the conditions of your policy or the insurer you’re with you could end up being charged a cancellation fee or prorate refunds for unused coverage. If you’re planning to drive again or look for another insurer, be sure to have a replacement policy already set up to avoid coverage gaps.
How long does it take to get auto insurance?
As little as a few minutes. Some more complex policies, like those that would be purchased by high-risk drivers, can take a little longer to finalize but generally you can quote and bind on coverage in just a single phone call.
What is gap auto insurance coverage?
Gap insurance is an optional coverage that covers the difference between your car’s actual cash value and the remaining lease balance or loan in the event your car is totaled. This is a super helpful coverage to have for heavily financed or new vehicles.
Does auto insurance cover repairs?
Depending on the cause of the repairs, usually yes. If your vehicle is in need of repairs due to an incident not covered by insurance, such as an at-fault incident without collision coverage or a maintenance issue, then it won’t be covered. If you’re unclear on what is covered by your auto insurance, we recommend enlisting a broker to help break it down for you.
Methodology
Why get multiple auto insurance quotes?
Are online car insurance quotes accurate? Mostly. Because they’re just a quick sample based on the information you provide online or over the phone, they may not reflect “the whole picture” – but they’re close to.
The cost of auto insurance in Ontario – over time
Brokers have access to companies that may not be available on online comparison websites. A brokerage like Mitch, with access to dozens of insurance companies in Ontario, can look at the whole picture and find you opportunities from any one of our carriers based on your needs and budget. Since most insurance companies use a system based on individualized rating (more about this below), having a broker to confirm your rates is absolutely key.
