Why choose Mitch as your insurance broker?
When it comes to auto insurance, there’s no one-size fits-all. At Mitch, we take the time to understand your driving habits, your vehicle, and what really matters to you. Then, we shop around on your behalf to find the best coverage at the best possible rate. Because we work with so many of Canada’s leading auto insurers, we can offer plenty of choice — and the kind of savings you won’t always find on your own. Here are just a few of the trusted providers we work with:
Get Ontario auto insurance online
The days of piles of paperwork, long hold times, and stuffy office waiting rooms are over. With Mitch, you can get a car insurance quote online, customize your coverage, and buy your auto policy in just a few clicks — all on your schedule and in the comfort of your own home. Just tell us a bit about you, the kind of auto insurance coverage you need, and what you drive, and we’ll shop from dozens of the best insurance carriers in Ontario for your best deal.
Your partner in affordable coverage
Your partner in affordable coverage
Choosing an Ontario insurance broker like Mitch can help you save big on your car insurance. We look for every opportunity to lower your car insurance costs, while making sure you have the protection you need.
One of the easiest ways to save? Bundling your auto and home insurance. It’s a smart move that could save you hundreds of dollars a year, and it’s just one of the many discounts and savings options we’ll help you find.
Because we work with tons of Canada’s top insurance companies, we can compare car insurance quotes from dozens of trusted carriers and show you the best value.
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1-800-731-2228Auto insurance in Ontario: What do you need?
Auto insurance is a broad term that covers many types of vehicle protection, from standard car insurance to custom protection for EVs, classic cars, and more. No matter what you drive or how often you hit the road, we can find a policy that fits your needs. So, what kind of auto insurance are you looking for?
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. Every driver is required to carry a minimum level of coverage that is designed to protect you, your passengers, and others on the road. Here’s a quick overview of what’s typically covered under a standard Ontario car insurance policy.
Third-party liability
If you have an at-fault accident, you can be sued for property damage or hurting someone. This coverage helps pay for legal fees, court settlements, and other related costs. The legal minimum is $200,000, but we recommend choosing $2M for more peace of mind, especially with how quickly expenses can add up.
More about liability
Accident benefits
Covers medical costs that aren’t paid for by government health insurance plans, including rehabilitation, therapy, or caregiving support. It can also replace some of your income if you can’t work due to injuries sustained in a car accident, no matter who’s at fault.
More about AB
Direct compensation
If another driver causes a collision, DCPD pays to repair your vehicle, with no deductible. It can also cover belongings inside your car, and the cost of a rental while your vehicle is in the shop.
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 as if the other driver was insured, including injuries to you or your passengers. It also covers hit-and-runs.
More about uninsured auto
Auto insurance in Ontario: Optional coverages
While Ontario requires a basic level of car insurance, many drivers choose to add extra protection for peace of mind. At Mitch, we think that’s a smart move. These optional coverages can help you avoid major out-of-pocket costs if something unexpected happens. Here are some we strongly recommend:
Collision coverage
This kicks in to repair or replace your car after an accident, whether it was your fault or not. For a small additional premium, you can also add loss of use coverage, which covers the cost of a rental while your car is in the shop.
More about collision
Comprehensive coverage
Comprehensive coverage pays to repair or replace your vehicle if its stolen or damaged by fire, vandalism, extreme weather, or flying debris on the road. Basically, if your car is damaged and it wasn’t caused by a crash, this coverage has your back.
More about comprehensive
Increased coverage limits
You can boost your coverage limits on key parts of your policy, including liability and accident benefits for medical, rehabilitation, attendant care, income replacement, death and funeral benefits. Higher limits mean stronger financial protection when life throws you a curveball.
How much does auto insurance cost in Ontario?
The average auto insurance premium in Ontario is around $? per year, according to Mitch data. Your exact rate could be higher or lower depending on a few key factors, including the type of coverage you need, your driving history, where you live, what you drive, and your age and experience.
Every driver is different and so is every policy. The best way to find out how much your auto insurance will cost is to get a personalized quote. At Mitch, we make that part easy.
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 is quick and easy. In just a few minutes, you can answer a few simple questions about your vehicle, driving habits, and coverage preferences — and then our expert brokers will do the rest. Here’s a rundown of the information we may ask for:
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.
