Auto Insurance in Ontario

Every Ontario auto policy must include third party liability, statutory accident benefits, direct compensation property damage and uninsured automobile coverage. Collision and comprehensive are optional but commonly added.

Insurers consider many factors, including your driving record, claims history, vehicle, where you live, how you use the vehicle and the coverage you choose. We can explain what is influencing your rate.

It depends on the type of claim, fault determination and your insurer's rating rules. We will review your situation and explain the likely impact before you decide how to proceed.

Yes. We work with standard and specialty markets and can often find coverage for drivers with tickets, lapses or past claims.

The most effective way to find the cheapest auto insurance in Ontario is to compare rates from multiple carriers simultaneously, the same driver can receive quotes that vary by hundreds of dollars depending on the insurer. BrokerUnion shops your coverage across 50+ major Canadian carriers at once to find the lowest available rate for your specific vehicle, postal code, and driving history. Start a free live quote at brokerunion.ca in under 5 minutes.

Ontario's auto insurance reform, effective July 1, 2026, made several previously mandatory accident benefits, including income replacement, medical and rehabilitation, and attendant care, into optional add-ons. If you renewed your policy after July 1, 2026 without reviewing your accident benefits, your coverage may be significantly lower than you assume. Contact a BrokerUnion broker for a free coverage review. Full details at fsrao.ca.

No. BrokerUnion's comparison service is completely free. Independent brokers are paid a commission by the carrier you choose, not by the client. Using BrokerUnion to compare 50+ carriers costs you nothing extra and typically saves money compared to going direct.

No. BrokerUnion is an independent boutique brokerage with six physical Ontario offices and 100+ licensed brokers. Every client works with a dedicated, licensed broker, not a rotating queue. Your broker knows your file, compares your renewal across 50+ carriers, and advocates for you if a claim is disputed.

Yes. BrokerUnion offers a fully online live quoting tool, the same platform our RIBO-licensed brokers use, available directly at brokerunion.ca. Enter your details and receive real rates from multiple carriers in under 5 minutes, with no obligation and no broker fee.