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Car insurance in Ontario
Basic insurance - it's the law.
Auto insurance liability coverage is mandatory for driving in Canada. Fines for vehicle owners and drivers who do not carry valid auto insurance can range from $5,000 to $50,000.
Ontario has a “no-fault” auto insurance system which means that regardless of who is at fault, you will deal with your own insurance company for your injuries and the damage to your vehicle.
If you drive in Ontario, you must have mandatory minimum insurance which includes the following coverages:
If you have an at-fault accident, you can be sued for injuring someone or for property damage. It will cover court-awarded settlements, legal fees, and out-of-court settlements up to the limit of your coverage. By law you must carry a minimum of $200,000 in Third-Party Liability coverage. We recommend $2 million in coverage.
If you are injured in a car accident, there are basic accident benefits that are automatically included in your policy for medical costs over and above what OHIP provides, including a portion of lost income, medical rehabilitation, and attendant care.
Though basic auto insurance is mandatory in Ontario, there is still a very real possibility of getting into an accident with someone who does not have insurance or does not have enough coverage or flees the scene. This covers costs if the other driver is uninsured or under-insured.
If you are in an accident caused by someone else, this portion of your coverage pays to repair your vehicle, with no deductible. It will also provide you with a rental car while your vehicle is being repaired or replaced.
Beyond these mandatory coverages, in order to operate a vehicle, there are other options (see below) that you should consider to ensure that you are properly protecting your asset.
Additional Options
No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want.
Protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
Protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism, cracked windshield and natural disasters. This type of damage usually arises when your vehicle is not being driven. This coverage pays for losses, other than those covered by Collision and Upset.
If you are injured or are killed as a result of a car accident, there are basic accident benefits coverage that are automatically included in your policy, including income replacement; medical rehabilitation and attendant care; funeral and death expenses. Optional accident benefits are also available above the standard accident benefits in your auto policy.
If you cannot work as the result of an automobile accident, you may be eligible for basic weekly income replacement benefits of 70 per cent of your gross income up to $400. This is included in your basic coverage.
If this is not enough to cover your current after tax income level, you may want to consider buying optional income replacement benefits to increase your maximum weekly benefit to $600, $800 or $1,000. When considering the amount of coverage you will need, keep in mind you are required to first claim wage loss benefits from a disability plan you have purchased or workplace benefits that you have access to.
The standard maximum amount for medical, rehabilitation and attendant care expenses, such as physiotherapy, chiropractic treatment or an aide to assist you if you have been seriously injured is $65,000. If you are catastrophically injured, the standard maximum is $1,000,000. Optional benefits are available up to $3,000,000.
This coverage removes the insurance company’s right to deduct depreciation from the value of your vehicle when settling a claim for loss or damage caused by a peril for which are insured for. Meaning that if you purchase your vehicle for $50,000 brand new and one year later, your vehicle is completely destroyed in a car accident, if you carry this coverage, the insurance company will pay you the $50,000 that you paid for the vehicle and will not factor in the depreciation that would usually apply to a vehicle that has been driven for one year.
If you are not employed, are providing care full-time to dependants like children or aging parents, and can no longer provide that care as the result of an automobile accident, you may be eligible for caregiver benefits if you need to hire someone to care for your dependants.
If you are unable to perform your usual housekeeping or home maintenance duties, you may be eligible for these benefits if you need to hire someone to perform the duties.
Provides for an annual adjustment for inflation for Income Replacement, Medical, Rehabilitation and Attendant Care and other benefits, determined according to the Consumer Price Index of Canada.
2026 Changes to Optional Accident Benefits
As of July 1, 2026, Ontario is changing auto insurance to give you more options and control over your coverage. Some accident benefits that were previously included in every auto insurance policy will become optional, giving you more choice to select coverage that fits your needs and budget.
Relax. We’ll find you the best insurance coverage so you’re protected.
How to lower your premiums.
Are you retired? Do you use snow tires? You may be eligible for one of these discounts:
- Accident-free/claims-free for 6 years? Insurance companies appreciate safe drivers.
- Loyalty can save you money. Bundle two or more policies with the same company to leverage a discount.
- Drivers who switch to snow tires during the winter can save 5%.
- Retiring? Reducing time spent driving to work every day can reduce your premiums.
Connect with one of our insurance experts today.
Additional ways to save
- Know what coverage you need - don't pay for coverage you don't need.
- Consider a policy with higher deductibles.
- Ask us about discounts
- Make sure you always pay your premium on time.
Have questions about auto insurance?
Check out our FAQ
Your insurance premium is first based on your personal profile which includes the following factors:
- The type of vehicle your drive
- Your driving record, including previous accidents, the length of time you’ve been licensed, whether you’ve taken driver training, speeding tickets, impaired driving convictions, etc. The better your record is, the better your premium.
- Where you live.
- Your age, gender and marital status.
- The amount you drive.
Once your personal profile is established, your premium will be based on the amount of coverage your purchase, the deductibles you select and the insurance company that you choose to be insured with.
Yes. Choose a vehicle with good security features. For example, if you buy a vehicle with a high theft rate, your premium will be higher.
Yes, as long as you have provided them permission to drive your car and they have a valid driver’s license. However, if they are involved in an at fault accident in your vehicle, your insurance policy will respond under the coverage that you have purchased but the at fault accident may be rated under your insurance policy going forward.
If your vehicle is being repaired as a result of an insurable accident (not because of wear and tear on your vehicle) and you have purchased the rental car endorsement which is often referred to as the “Loss of Use” coverage, you will get a replacement vehicle according to the coverage that you have purchased.
Most insurers allow you to remain out of the province for up to 6 months in a 12-month policy period.
All licensed drivers in your household must be disclosed. If they are not currently listed on an auto insurance policy, they must be listed on yours or specifically excluded as a driver.
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