Auto Insurance in Ontario, Compared by a Licensed Broker

Most drivers do not need a complicated policy. They need the right one, explained clearly. We help:

• Families adding a teen or a second car

• New drivers in G1, G2 and G

• Newcomers to Canada with driving experience from another country

• Drivers with tickets, at-fault claims or a lapse in coverage (see our high-risk auto page)

• People who lease or finance a vehicle and need to meet lender rules

• Anyone who drives for work, delivery or rideshare and is not sure their policy allows it

• Drivers who are shopping around at renewal and want a second opinion before they switch

By law, every policy on a licensed vehicle in Ontario carries these four coverages:

• Third-party liability. Pays if you injure someone or damage their property. The legal minimum is $200,000, but most people choose $1 million or more, because a serious accident can cost far more than the minimum.

• Statutory accident benefits. Pays medical, rehabilitation and income-related benefits after an accident, whoever is at fault. Ontario changed its accident benefits rules on July 1, 2026, and some benefits are now optional. We explain your choices and record them on the signed consultation form.

• Direct compensation property damage. Handles damage to your vehicle and its contents when another driver is at fault.

• Uninsured automobile. Protects you if you are hit by someone who has no insurance or cannot be found.

• Collision. Pays to repair or replace your vehicle after a collision, whoever is at fault, less your deductible.

• Comprehensive. Pays for theft, fire, vandalism, hail, falling objects and hitting an animal.

• Family protection (OPCF 44R). Tops up your liability protection if you are hit by an at-fault driver who carries only the minimum. It is inexpensive and often overlooked.

• Limited waiver of depreciation (OPCF 43). Helps you replace a newer vehicle with less depreciation taken off after a total loss.

• Loss of use. Helps pay for a rental while your vehicle is being repaired after a covered claim.

• Non-owned automobile (OPCF 27). Adds liability protection when you rent or borrow a car.

• Accident forgiveness and minor conviction protection. Offered by some insurers. Worth comparing because the rules differ.

• Winter tires. Ontario insurers must offer a discount when you use winter tires. We make sure you are getting it.

No two drivers get the same price, even on the same street. Insurers look at:

• Your driving record, including tickets and at-fault claims

• How many years you have held a licence, in Canada or elsewhere

• Your vehicle, including make, model, age and repair cost

• Where the car is kept and how far you drive each year

• Whether you commute, use the car for pleasure only or use it for business

• Your coverage choices and deductibles

• Whether you have had continuous insurance without gaps

• Discounts such as winter tires, multi-vehicle, home and auto bundling, approved driver training and telematics

Because every insurer weighs these factors differently, the cheapest insurer for one household is rarely the cheapest for the next. That is why comparing matters.

1. You tell us about your drivers and vehicles. A phone call is usually enough. We can help in Hindi, Punjabi or English.

1. We check your record. With your permission we review your driving and claims history so nothing surprises you later.

1. We compare insurers. We approach the standard market first, then specialty markets if your record calls for it.

1. We explain the options. You see what each policy covers, what it leaves out and why the prices differ.

1. You choose, and we handle the paperwork. We arrange proof of insurance and stay available for changes and claims questions.

1. Choosing only the minimum liability. A serious accident can cost far more than $200,000.

1. Skipping family protection. OPCF 44R is inexpensive and protects you when the at-fault driver has only the minimum.

1. Not telling the insurer about a change. A new driver, a move, a new job with a longer commute or business use can all change your policy.

1. Letting coverage lapse. Even a short gap can raise your price for years.

1. Assuming the renewal price is the best price. Renewal prices often drift up. Ask for a fresh comparison every year.

1. Buying on price alone. Two policies that look alike can have different deductibles, exclusions and endorsements.

• Confirm every household driver is listed correctly

• Check your annual kilometres and how you really use the car

• Ask about winter tire, driver training, multi-vehicle and bundling discounts

• Compare liability limits and your deductibles

• Ask whether OPCF 43, 44R and loss of use are included

• Review your accident benefits choices and the signed consultation form

• Ask how a claim would affect your price