Car Insurance Ontario: Rates, Quotes, Consumer Tips


Car Insurance Ontario: Intro

auto-insurance-symbolWelcome to your Car Insurance Guide for Ontario. This page will give you an idea of Car Insurance Premiums in Ontario, will inform about savings opportunities and also provide number of other useful tips for choosing Car Insurance protection.

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What Are Typical Car Insurance Premiums In Ontario?

Here are some car insurance average rates to give you an idea of insurance prices in Ontario and in Canada. The first chart shows rates comparison across several Canadian provinces. The second chart shows difference in car insurance premiums for drivers of different age. This difference can be quite considerable.

Overall consumers spend in Ontario more on Auto Insurance than in any other Canadian province. Despite recent government efforts to drive down auto insurance rates in Ontario these are still over-proportionally high when compared to the rest of Canada.

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How Can You Save on Car Insurance in Ontario?

  • Bundle: Do you need Home and Auto Insurance? Most companies will offer you a discount if you bundle them together.
  • Professional Membership: Are you a member of a professional organization (e.g. Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount.
  • Seniors: Many companies offer special pricing to seniors.
  • Car Insurance Deductibles: Increase your car insurance deductibles if you believe that you are capable of incurring higher payments for damages in case of an accident. This is especially suited for more experienced car drivers.
  • Being a second driver: Driving a car only occasionally? Become a second drive instead of being a principal driver.
  • Rental car rider: If your existing auto insurance policy does not cover your rental car, you can often add it as a rider (policy extension) for $20-30 dollars a year. Compared to $20/day you would pay when renting a car, it’s not a bad deal!
  • Driving Course: Successfully completing a driving course is sometimes recognized by some insurance providers and could help you reduce your premiums.
  • Car Make and Model: Wisely choose your car, as some car models are more susceptible to theft or even have a history of more risky drivers (e.g. Toyota Camry, Acura MDX, Toyota RAV4, and Honda Civic are usually quite expensive to insure).
  • Anti-theft system: Installing a certified anti-theft system in your car results in a lower risk of theft and thus can lead to insurance discounts.
  • Improving your driving record: Do you have a bad driving record? Every three years previously incurred tickets are removed from your insurance history and your insurance premiums can go down.
  • Interested in more saving tips for Car Insurance in Brampton? Get an insurance quote below and connect with an experienced insurance professional to get more tips.

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Several Ontario-Specific Auto Insurance Tips

  • Avoiding high costs: Giving the fact that Ontario premiums are so high, it REALLY makes sense to compare rates from different companies. It is not the case for such provinces as Saskatchewan, Manitoba or British Columbia where basis auto insurance provided by one company only. Diligent price comparison has potential to result in hundreds if not thousands dollars saved per year in Ontario.
  • Increase coverage limits: Though government regulation requires a minimum of $200,000 in 3rd party liability, we suggest to increase it in order to be covered against unexpected financial impacts. Financial consequences of accidents with bodily injuries can easily exceed $200,000. Typical values here are $1,000,000 and $2,000,000 and this increase is not too expensive.
  • High-Risk Auto insurance: Whereas many companies will not provide you with auto insurance if you fall into the category “high-risk drivers”, there are some insurers e.g. Pafco which still will be able to insure you or, as a “last resort” there is The Facility Association, an insurance pool that all auto insurance companies belong to, which makes auto insurance available to high-risk drivers who are unable to find car insurance in the regular market.

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