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 Ontario auto policy must include third-party liability (at least $200,000), statutory accident benefits for medical, rehabilitation and attendant care, and uninsured automobile coverage. Direct Compensation Property Damage (DCPD) is also included in a standard policy, though you can opt out of it. Since July 1, 2026, other accident benefits such as income replacement and caregiver benefits are optional.

Medical, rehabilitation and attendant care benefits are still included in every policy, but nine other accident benefits became optional, including income replacement, non-earner, caregiver, housekeeping and home maintenance, damage to personal items, and death and funeral benefits. Optional benefits now only cover the named insured, their spouse, their dependants and listed drivers. Auto insurance also now pays first for medical and rehabilitation expenses after a collision (excluding medication), before workplace or private health plans. Existing policies renew with the same coverage unless you ask for a change.

Yes. Since January 1, 2024, Ontario drivers can opt out of Direct Compensation Property Damage by signing the OPCF 49 endorsement, which can lower the premium. The trade-off is that you cannot claim DCPD or collision coverage for damage to your vehicle in a not-at-fault accident, so it usually only makes sense for older, lower-value vehicles. Talk to a broker before opting out.

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.