Auto insurance in Ontario: What’s covered?
If you drive in Ontario, you’re required to have at least the mandatory minimum required insurance coverage. Whether you want basic insurance or extended coverage for your car, truck, motorcycle or another vehicle, we’ll ensure that your policy matches your budget and driving habits.
Basic required coverage
Third-party liability
If you’ve had an at-fault accident, you can be sued if you cause property damage or hurt someone. This covers court awards, out-of-court settlements and legal fees. The minimum is $200,000 in coverage, but we recommend $2 million.
Accident benefits
This covers medical costs beyond government health plans. It includes rehab, attendant care, and lost income due to missing work. It can also cover the cost of a substitute caregiver for your kids or an elderly parent.
Direct compensation
If another driver is at fault for an accident, direct compensation – property damage (DCPD) pays to repair your vehicle, with no deductible. It also covers all the stuff you have in your vehicle and pays for a rental while your car is in the shop.
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 provides coverage for hit-and-runs.
Auto insurance in Ontario: Optional coverages
Collision
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 vehicle is in the shop.
Comprehensive
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.
Increased coverage limits
You can increase your limits for third-party liability and/or accident benefits for medical, rehabilitation, attendant care, income replacement, death and funeral benefits.
Need special coverage?
Electric vehicle insurance
Save a little money while you help save the planet. We have coverage for your charger too.
High-risk auto insurance
We work with the best high-risk car insurance companies in Ontario and can save you time and money.
Rideshare insurance
If you drive paying customers in your own car, you need special coverage and we’ve got it.
Pay-as-you-go car insurance
Drive less than 12,000 km a year? You can save up to 70% on your auto insurance with CAA MyPace.
Why choose Mitch as your insurance broker?
We’re an outlet for over 70 of Canada’s top insurers, and do the shopping for you to find 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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1-800-731-2228
Good to know: Common questions about auto insurance in Ontario
How much is car insurance in Ontario?
Ontario drivers pay an average of $1,500 – $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.
How can I improve my driving record to save on insurance?
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.
Why do some cars cost more to insure than others?
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
Is there a seniors discount for car insurance?
Yes, there is. A lot of insurance companies give huge discounts to seniors. If you’re over 55, we can help you reduce your rates.
Can I get a car insurance quote without a car?
You’ll need the year, make and model of the vehicle you want to buy for an accurate quote, but keep in mind that you can’t actually get insurance until you show proof of ownership.
Can car insurance prices change daily?
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.
What if I drive my car for business use, Uber or Lyft?
If you use your car, truck or van for business (including Uber) you’ll need special auto insurance. But don’t worry, we can help.
