Why choose Mitch as your insurance broker?
When it comes to auto insurance, there’s no one-size-fits-all. You deserve coverage that matches your driving habits, your vehicle, and your priorities. With Mitch Insurance, you can compare options from many of Canada’s leading auto insurers and choose the protection — and price — that works for you. Shopping around on your own can be time-consuming, but with Mitch, you can do it all in one place and find great savings in the process.
Here are just a few of the trusted providers you can choose from:
Get Ontario auto insurance online
Forget piles of paperwork, endless hold times, and cramped office waiting rooms. Now, you can get a car insurance quote, tailor your coverage, and buy your policy in just a few clicks — whenever and wherever it works for you. Share a few details about yourself, your vehicle, and the protection you’re looking for, and Mitch Insurance will search dozens of top Ontario insurers to bring you the best deal.
Your partner in affordable coverage
Your partner in affordable coverage
You shouldn’t have to choose between saving money and staying protected. With Mitch Insurance, you get both. We look for every chance to lower your costs while making sure you have the coverage that keeps you confident on the road.
Want an easy way to save? Bundle your auto and home insurance and keep more money in your pocket. This smart move can put hundreds of dollars back in your budget each year — and it’s just one of the many discounts we’ll help you uncover.
Because Mitch provides access to dozens of Canada’s top insurers, you can compare quotes side by side and spot the best value for your needs.
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1-800-731-2228Auto insurance in Ontario: What do you need?
Auto insurance is a broad term that covers all sorts of vehicle protection, from everyday coverage for your daily commute to specialized protection for EVs, classic cars, and more. No matter what you drive or how often you hit the road, you can get a policy that fits your lifestyle, budget, and priorities.
So, what kind of coverage works for you?
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
Auto insurance in Ontario: What’s covered?
In Ontario, auto insurance isn’t optional — it’s the law. You must carry a certain amount of coverage to protect yourself, your passengers, and others on the road. Here’s what’s typically included in a standard Ontario car insurance policy.
Third-party liability
If you cause a crash, you could be sued for property damage or injuring someone. Third-party liability covers legal fees, court settlements, and related costs. The legal minimum coverage amount is $200,000, but Mitch recommends you choose $2M for more peace of mind because expenses can add up fast.
More about liability coverage
Accident benefits
If you’re hurt in a car accident, this coverage pays for medical costs not covered by OHIP, such as rehab, therapy, or caregiving support. It can also replace part of your income if you can’t work because of your injuries — no matter who’s at fault.
More about accident benefits
Direct compensation
When another driver is at fault, DCPD covers the cost to repair your vehicle without a deductible. It can also pay for damaged belongings inside your car and for a rental while your vehicle is in the shop.
More about DC-PD
Uninsured auto
If you’re in an accident with an uninsured driver, this protection covers you as if they were insured. It also applies to injuries from hit-and-runs, helping you recover costs for you and your passengers.
More about uninsured auto coverage
Auto insurance in Ontario: Optional coverages
Ontario law sets a basic level of car insurance, but adding extra protection can save you thousands if something unexpected happens. These optional coverages give you more security, and more peace of mind.
Collision coverage
Covers repairs or replacement if your car is damaged in a crash, no matter who’s at fault. For a small extra cost, you can add loss of use coverage, which pays for a rental while your vehicle is being repaired.
More about collision
Comprehensive coverage
Protects your vehicle against theft, fire, vandalism, extreme weather, or damage from flying debris. In short, if the damage isn’t from a collision, this coverage helps get you back on the road without a massive bill.
More about comprehensive
Increased coverage limits
Boosts the limits on important parts of your policy, including liability and accident benefits (medical care, rehab, income replacement, death benefits and more). Higher limits give you stronger financial protection when life takes an unexpected turn.
Not sure which options make sense for you?
Don’t worry! Contact Mitch to get clear, simple explanations and choose the add-ons that give you the protection you want.
How much does auto insurance cost in Ontario?
The average auto insurance premium in Ontario is around $[insert amount] per year, but your rate could be higher or lower depending on your coverage needs, driving history, location, vehicle, and experience.
Because every driver is different, every policy is unique too. The fastest way to see your exact rate is to get a personalized quote. At Mitch, we make that part easy for you.
Want to know how rates are calculated?
Click here to learn about our methodology and see how we find you the best deal.
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 insurance quote with Mitch Insurance is fast and simple. In just a few minutes, you can answer a few easy questions about your vehicle, driving habits, and coverage preferences — then our brokers will do the heavy lifting. Here’s what you may need to provide:
Make and model of your car
Different vehicles come with different risks. Some cars are safer, cheaper to repair, or less likely to be stolen — and that can lower your insurance costs. Newer vehicles usually cost more to insure because of their higher value, while older cars often come with lower premiums.
How far you drive
The more time you spend on the road, the higher your accident risk. If you drive less than average, you could qualify for low-mileage or pay-as-you-go insurance, which can save you a bundle.
Where you live
Traffic patterns, theft rates, and collision risks vary across Ontario. Living in a busy city like Toronto or Brampton may increase your rates, while living in a quieter area could lower them. Insurers ask where you garage or park your car to calculate your premium accurately.
Anti-theft devices
Have you installed an alarm, immobilizer, or GPS tracker in your vehicle? These features improve your car’s security and can help you save on insurance. Make sure to mention them when you get a quote.
Driving history
Your driving record directly affects your premium. Speeding tickets, at-fault accidents, or past claims signal higher risk to insurers, while a clean record often earns you lower rates.
Vehicle drivers
If others drive your car regularly, insurers want to know. Their driving records can impact your overall risk and premium.
Business use
Use your vehicle for business — like deliveries, rideshare, or visiting clients — you may need commercial auto or rideshare coverage, because standard personal insurance usually doesn’t cover business use. Being upfront about how you use your vehicle prevents gaps in your protection.
Coverage choices
Many drivers add optional coverage for extra peace of mind. Whether you need gap insurance, rental car coverage, or protection for custom parts or upgrades, a Mitch broker can help you build a policy that matches your needs and budget.
Why get multiple auto insurance quotes?
You can save big by comparing car insurance quotes. Even if your profile stays the same, rates can differ significantly between insurers because each company calculates premiums in its own way.
By checking multiple quotes, you put yourself in the driver’s seat to find affordable coverage that still protects you. With Mitch Insurance, you don’t have to do the legwork — our brokers collect quotes from several of Ontario’s top insurers and bring the best options to you.
Need fair and reliable auto insurance?
The cost of auto insurance in Ontario – over time
The cost of auto insurance in Ontario has gone up in recent years. As of October 2024, the average annual premium was around $2,006 — about 20% higher than mid-2022. Factors like rising vehicle repair costs, inflation, and more frequent weather-related incidents are driving these increases.
Even with rates trending up, you can keep your costs under control. With Mitch Insurance, you can compare quotes from multiple providers, uncover available discounts, and tailor your policy to fit your budget. By taking these steps, you can find the coverage you need without overpaying.
Is auto insurance getting more expensive?
If your car insurance premium has increased recently, even without accidents or coverage changes, you’re not alone. These rate hikes are caused by broad industry trends that are beyond your control. Here’s a closed look at what’s driving up insurance costs.
Inflation
Rising prices for auto parts, labour, and medical expenses make claims more expensive. When it costs more to repair vehicles or treat injuries, insurers raise premiums to keep up.
Rising vehicle repair costs
Supply chain issues and higher labour rates mean repairs take longer and cost more. When repair bills climb, your premiums often follow.
Natural weather disasters
Floods, storms, and wildfires are becoming more common. More claims from extreme weather events can push insurers to increase rates across the board.
Vehicle theft
If your car is a frequent target for theft, your premium may rise to reflect the higher payouts insurers face.
Insurance market trends
Insurers adjust who they want to cover. Aggressive competition for certain drivers can lower rates, while pulling back from riskier segments can make premiums go up.
Reinsurance costs
Insurers rely on reinsurance to manage large payouts from catastrophic events. When reinsurance costs rise, those increases can be passed to policyholders.
Insurance fraud
Rising fraud leads insurers to pay out more than expected. Companies often offset this by raising premiums for all drivers.
Longer repair times
Shortages of skilled mechanics or auto parts delay repairs, increasing costs for loss of use coverage and overall premiums.
While you can’t control these industry-wide factors, you can control your rate. Remember, you don’t have to settle for the first quote you get. Shopping around for multiple quotes is one of the smartest ways to make sure you get affordable coverage without compromising protection.
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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.
Read the latest Auto insurance posts from our blog
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