Auto Insurance in Ontario

There's no single average that applies to every driver: premiums depend on your driving record, vehicle, location, coverage choices and the carrier itself. The most reliable way to get a real number is to compare quotes based on your own profile rather than relying on a generic estimate.

Every driver must carry third-party liability, uninsured automobile coverage, and statutory accident benefits covering medical and rehabilitation costs. Since July 1, 2026, other accident benefits, such as income replacement or caregiver expenses, are optional rather than automatically included.

Insurers are now required to include only medical and rehabilitation benefits as part of the mandatory base policy. Other benefits, including income replacement, caregiver and housekeeping expenses, coverage for damaged personal items, and death and funeral benefits, must now be selected separately rather than coming bundled in by default.

Yes. Direct Compensation Property Damage has been optional to purchase since a 2024 regulatory change by FSRA. Many drivers still choose to carry it because it's typically the quickest route to getting vehicle repairs paid without waiting for a formal fault determination.

Common ways include raising your deductible, bundling home and auto policies, maintaining a clean driving record, asking about winter tire or telematics/usage-based discounts, and comparing quotes across multiple carriers instead of renewing with the same insurer by default.

A broker doesn't set prices; carriers do. But comparing several insurers' quotes side by side, which is what a broker does, often surfaces pricing you wouldn't see by requesting a quote from just one company.

Drivers with a lapse in coverage, multiple at-fault claims, or a licence suspension are typically routed to insurers that specialize in higher-risk policies, since standard-market carriers may decline or price these profiles very high. Rates are generally higher than standard coverage but tend to improve as a clean driving record is re-established.

New drivers typically pay more than experienced drivers because there's limited driving history for an insurer to price against. Premiums usually decrease over time as a driving record builds, and discounts such as driver training completion can sometimes help.

Most carriers offer a discount for combining home and auto policies with the same insurer, though the size of the discount and eligibility vary by company.

Collision covers damage to your own vehicle from an at-fault accident or hit-and-run. Comprehensive covers non-collision events such as theft, vandalism, fire, falling objects and weather damage. Both are optional but often required by lenders or lease agreements.

Some insurers offer programs that track driving behaviour, such as braking, speed and time of day, through an app or device, and adjust pricing based on that data rather than relying only on demographic factors like age.

Yes. Quotes can be requested online, and a licensed broker can follow up to review coverage and pricing across BrokerUnion's carrier network.