Auto insurance in Ontario: What’s covered?
If you drive in Ontario, you’re required to have at least the mandatory minimum insurance coverage:
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
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
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 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 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?
If you have a vintage ride that you only drive on special occasions, you can save big.
More about classic car
Save a little money while you help save the planet. Coverage for your charger too.
More about EV insurance
Right-hand drive vehicles need special insurance, but we have affordable coverage.
More about RHD insurance
Standalone coverage available or save up to 30% by bundling your RV, car and home.
More about RV Insurance
Quotes from the best high-risk car insurance companies in Ontario. Save time and money.
More about high-risk auto
insurance (Lyft, Uber)
If you drive paying customers in your own car, you need special coverage and we’ve got it.
More about ridesharing
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.