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Car Insurance

Car insurance in Ontario is mandated by the provincial government.


Car Insurance


Selecting the right auto insurance coverage, deductibles, and limits now ensures that you won’t be surprised by any bumps in the road should a loss occur tomorrow.

An auto insurance policy is designed to provide you with a level of protection against property, liability and medical costs if you are involved in an accident.

Property coverage pays for damage to or theft of your car.

Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

How Much is Car Insurance?

Ontario car insurance is mandated by the provincial government but there are some ways you can lower the price you pay:

  • Consider increasing your deductible
  • Maintain a good driving record
  • Drive fewer kilometres per year for a low-mileage discount
  • Drive a vehicle with increased safety features, such as anti-lock brakes, airbags, etc.
  • Install an ant-theft device
  • Combine your property insurance with your automobile insurance for mutli-policy discounts
  • Use an insurance broker! We compare the rates of many insurance companies.
Click here to see how much you'll pay

Comprehensive and Collision Coverage

Collision: Covers damage to your car when your car hits, or is hit by, another vehicle or other object. Collision pays to repair your vehicle, less the deductible you choose. For older cars, you may want to consider dropping this coverage, since it is typically limited to the cash value of your car. This coverage is not required, but if you have a loan or a lease, the lien holder may require it.

Comprehensive: Covers your vehicle, and sometimes other vehicles you may be driving, for losses resulting from incidents other than collision. This includes damage to your car if it is stolen or damaged.

Types of Auto Liability Coverage

Third-party Bodily Injury Liability (BI): This covers injuries that you, the designated driver, or policyholder cause to someone else. Claims for bodily injury include medical bills, loss of income, or pain and suffering. It does NOT cover the cost of damage to your vehicle, or to you or other people on your policy. It is mandatory in all provinces; however, minimums will differ.

Third-party Property Damage Liability (PD): Covers you or someone driving the car with your permission if the car damages someone else's property. Typically, the property is another vehicle, but it could be a fence, telephone pole, house, etc. It also provides you with legal defence if another party files a lawsuit against you.

Accident Benefits: This coverage can provide medical expenses, income replacement, and other possible benefits to you and passengers if you are injured in an accident. Click here for a more detailed explanation of Accident Benefits.

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Car Insurance


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