Get an instant quote now

Great coverage at a great price is only five minutes away. Give us a few details about yourself and your vehicle and we’ll search dozens of the best auto insurers in Ontario for your best deal!

teal car front on blue background

Bundle discounts

Combine your home and auto coverage to save up to $700 on insurance. As an outlet to over 70 awesome insurance companies, we can get you great rates for whatever insurance you need. Just ask.

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.


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.

Repair tools

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.

Shopping cart

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.

Auto insurance in Ontario: Optional coverages

We strongly recommend the following coverages:

Car accident

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.


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.

Increasing value

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.

Learn more

Electric vehicle insurance

Save a little money while you help save the planet. Coverage for your charger too.

Learn more

High-risk auto insurance

Quotes from the best high-risk car insurance companies in Ontario. Save time and money.

Learn more

MyPace 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.

Learn more

Right-hand drive insurance

Right-hand drive vehicles need special insurance, but we have affordable coverage.

Learn more

RV insurance

Standalone coverage available or save up to 30% by bundling your RV, car and home.

Learn more

Uber insurance

If you drive paying customers in your own car, you need special coverage and we’ve got it.

Learn more

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.

April logo
Aviva logo
CAA logo
Echelon logo
Economical logo
Gore Mutual logo
Hagerty logo
Intact logo
Travellers logo
Wawanesa logo

Good to know: Common questions about auto insurance

How to save on car insurance and other things you should know about auto coverage 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.

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.

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

Yes! A lot of insurance companies give huge discounts to seniors. If you’re over 55, we can probably help you reduce your rates.

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 we’ll 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.

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.

If you use your car, truck or van for business (including Uber) you’ll need special auto insurance. Learn more about ridesharing insurance