Standard Auto Insurance in Ontario

Standard auto insurance includes all four mandatory coverages — third-party liability, statutory accident benefits, direct compensation property damage, and uninsured automobile coverage — plus commonly added optional protection like collision and comprehensive. It's built for average drivers with typical vehicles and driving records, as opposed to high-risk or specialty policies.

It covers your legal liability if you injure someone or damage property, medical and rehabilitation costs if you're injured, repairs to your own vehicle when another insured driver is at fault, and protection if you're hit by an uninsured driver. Collision and comprehensive coverage can be added for repairs after any collision or for theft, fire and vandalism.

Yes. Every vehicle owner and driver must carry a minimum of $200,000 in third-party liability along with statutory accident benefits, DCPD and uninsured automobile coverage. Driving without insurance can result in fines from $5,000 to $50,000 and licence suspension, so coverage is legally required before a vehicle can be driven.

Cost depends on your driving record, vehicle, postal code, coverage limits and how the vehicle is used. Rates vary significantly by insurer for the same driver, sometimes by hundreds of dollars a year, so the most reliable way to know your real rate is to compare quotes across multiple carriers.

Minimum coverage is the bare legal requirement — $200,000 liability plus mandatory benefits — with no protection for your own vehicle. Standard coverage typically adds collision and comprehensive, so your own car is protected after an accident, theft or weather damage, not just your liability toward others.

Often, yes. A minor ticket or a single claim doesn't automatically move you into a high-risk category. We check standard markets first, since they're typically less expensive, and only move to specialty markets if your specific record requires it. Every file is reviewed individually.

As of July 1, 2026, several previously mandatory accident benefits — income replacement, medical/rehabilitation and attendant care — became optional add-ons rather than automatic inclusions. If you renewed after that date without a review, your coverage may be lower than you assume. A broker review confirms exactly what you're carrying now.