Auto Insurance That Protects Your Journey
Whether you are commuting to work, taking a road trip, or running errands -- we help you find the right coverage at a competitive rate from our trusted insurance partners.
Important: Ontario Auto Insurance Changes Coming July 1, 2026
Understanding Your Auto Coverage
Auto insurance in Ontario is made up of several types of coverage. Some are mandatory, others are optional. Understanding what each one does helps you make informed decisions when speaking with your broker.
Third-Party Liability
MandatoryCovers damages and injuries you cause to others in an accident. Ontario requires a minimum of $200,000, but most brokers recommend at least $1,000,000 or $2,000,000.
Collision Coverage
OptionalPays for damage to your own vehicle from a collision, regardless of fault. If you have a car loan or lease, your lender will likely require this coverage.
Comprehensive Coverage
OptionalProtects against non-collision incidents like theft, vandalism, fire, hail, flooding, and hitting an animal. Also typically required by lenders.
Uninsured / Underinsured Motorist
IncludedProtects you if you are hit by a driver with no insurance or insufficient coverage. This is included in Ontario but coverage amounts can vary.
Accident Benefits
MandatoryCovers medical and rehabilitation expenses, income replacement, and other benefits if you are injured in an accident -- regardless of fault. You can increase these limits.
Loss of Use / Rental Car
OptionalProvides a rental vehicle or transportation expenses while your car is being repaired after a covered claim. This is not included by default.
What Affects Your Auto Insurance Rate?
Insurance rates are not one-size-fits-all. Many factors go into calculating your premium. Here are the main ones so you know what to expect when getting a quote.
Driving Record
Tickets, at-fault accidents, and convictions all impact your rate. A clean record gets you better pricing.
Vehicle Type
Year, make, model, and trim matter. Newer or high-value cars cost more to insure. Certain vehicles are considered higher theft risk.
Where You Live
Your postal code affects rates. Urban areas with more traffic and higher theft rates typically pay more than rural areas.
Driving Experience
New drivers or those new to Canada pay more. Rates improve as you build a clean driving history in Ontario.
Coverage & Deductibles
Higher deductibles lower your premium. Adding optional coverages increases it. Your broker can help you find the right balance.
Claims History
Previous claims (even not-at-fault in some cases) can affect your rate. Years of claims-free driving earn you discounts.
Common Auto Insurance Questions
Do I need collision and comprehensive if my car is paid off?
It is not legally required, but it is worth considering. Without it, you would pay out of pocket to repair or replace your vehicle after an accident, theft, or weather damage. A broker can help you weigh the cost vs. the risk.
What is the difference between all-perils and collision + comprehensive?
All-perils combines collision and comprehensive into a single coverage with one deductible. It may also cover additional scenarios. Ask your broker which option is more cost-effective for your situation.
How does Ontario's no-fault system work?
No-fault does not mean no one is at fault. It means each driver deals with their own insurance company for vehicle damage and injury benefits, regardless of who caused the accident. Fault is still determined and affects your premiums.
Can I insure a vehicle I just bought?
Yes. Contact your broker before or right after purchase. Many insurers provide a short grace period, but you should have coverage in place before driving off the lot. Bring your bill of sale and vehicle details.
What happens if someone else drives my car?
When you lend your car, you lend your insurance. If that person gets into an accident, the claim goes on YOUR policy and YOUR record -- not theirs. Make sure anyone who drives your vehicle regularly is listed on your policy.
Do I need to list all drivers in my household?
Yes. All licensed drivers living in your household MUST be disclosed to your insurance company, even if they don't drive your car often. Failing to disclose household drivers is considered misrepresentation and can result in your claim being denied, your policy being voided, or coverage being cancelled entirely. This is one of the most common and serious mistakes we see.
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What to Have Ready for a Quote
Full legal name and date of birth
Ontario driver's licence number
Vehicle year, make, model, and VIN
Current insurance details (if applicable)
Driving history (tickets, accidents)
Address and postal code
Review your policy regularly
Life changes -- new vehicle, new address, added drivers -- can affect your coverage and rate. Contact your broker or insurance provider to make sure your policy is up to date. If you need a review, call us at 416-628-1962.
Why Work With a Broker?
We compare for you
Access to 10+ insurers means we shop the market so you don't have to.
We advocate for you
At claim time, your broker works on your behalf -- not the insurance company's.
We explain your options
No confusing jargon. We walk you through what you need and what you don't.
We save you time
One call, one form. We handle the rest and get back to you with options.
Did You Know?
Every auto policy (personal or commercial) has a 1.3% service fee for monthly payments.
Want to avoid this fee? Pay your policy in full and save on financing charges.
Our Trusted Insurance Partners
We work with Canada's leading insurance providers to bring you competitive rates and comprehensive coverage options.
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