Cheapest 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.

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:

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

Remember that high-risk is not forever. We can get you the coverage you need today, and we’ll also give you great advice and guidance to help you get back on the road to more budget-friendly 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. But don’t worry, we can help.