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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


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 is 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.

More about coverage limits

Need special coverage?

Classic muscle car at a mechanic shop.

Classic car

If you have a vintage ride that you only drive on special occasions, you can save big.

More about classic car

Electric vehicle charging station

Electrical vehicle

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

More about EV insurance

The interior of a right-hand drive vehicle

Right-hand drive

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

More about RHD insurance

RV on the road

vehicle insurance

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

More about RV Insurance

Traffic at a busy city intersection

High-risk auto

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

More about high-risk auto

Ridesharing app on smartphone and people waiting for their lift

insurance (Lyft, Uber)

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

More about ridesharing

Car interior


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

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.

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Good to know

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