ONTARIO CAR INSURANCE
Request an online insurance quote for Ontario today!
Ready to start?
Looking for auto insurance in Ontario? We'll help you navigate your options.
Whether you are heading into the city to run some errands, out on a road trip to do some sightseeing, or escaping to cottage country for some much-needed relaxation, ensuring you’re adequately protected on the road is a must.
At BIG, we understand that picking the right policy can be difficult. Fortunately, our team of experienced auto insurance brokers in Ontario will help you every step of the way, comparing policies to ensure you get the coverage you need at a price that fits your budget. No matter where you are driving, the peace of mind that comes with having the proper auto insurance in Ontario will let you hit the road worry-free for years to come.
Join the Hundreds of Thousands Who Have Trusted BIG
National Insurance Brokerage
Finding the best rates and coverage for Canadians in:
- Alberta
- Nova Scotia
- New Brunswick
- Ontario
Professional Service
Our team of experienced brokers will provide outstanding customer service and are dedicated to helping you find affordable auto insurance quotes in Ontario.
Access to a Large Array of Trusted Insurance Partners
Types of Car Insurance for Ontario Drivers
Here’s a quick summary of the minimum mandatory coverage requirements and additional coverage options for car insurance in Ontario:
Minimum Mandatory Provincial Requirements
In Ontario, all drivers must carry a car insurance policy with a minimum of $200,000 in coverage for Third Party Liability, Accident Benefits, and Uninsured Automobile Coverage.
Third Party Liability
A fundamental part of vehicle insurance in Ontario, this coverage protects you if you're found at fault in an accident that injured someone else or damaged their property. It pays for legal fees, medical expenses, and property repairs.
Accident Benefits
Regardless of who is at fault, accident benefits coverage provides compensation for medical expenses, rehabilitation, income replacement, and other benefits if you're injured in a car accident.
Uninsured Automobile Coverage
In the unfortunate event you are involved in an accident with an uninsured motorist or are the victim of a hit-and-run situation, this ensures that damages to your vehicle and injuries sustained by you or a passenger are covered.
Additional Auto Insurance Coverage Options
When requesting a car insurance quote in Ontario, drivers can enhance their protection with a range of additional coverage options. These optional upgrades can help safeguard against unforeseen accidents and financial surprises. Common examples include:
Direct Compensation - Property Damage (DCPD)
Direct Compensation - Property Damage (DCPD)
When another driver is deemed at fault, this coverage pays for damage to your vehicle and its contents, with claims processed through your own insurance provider.
Comprehensive Coverage
Comprehensive Coverage
Comprehensive car insurance in Ontario will protect you from a wider range of risks, like theft, vandalism, weather-related damage, and collisions with animals.
Accident Forgiveness
Accident Forgiveness
Accident forgiveness protects your car insurance premiums from increasing after your first at-fault accident.
Liability Coverage
Liability Coverage
Increasing your liability coverage to $500,000, $1 million, or $2 million provides essential financial protection for serious accidents and claims exceeding standard policy limits.
Upset or Collision Coverage
Upset or Collision Coverage
If your vehicle is damaged in a collision with another vehicle or object, or if it overturns, this coverage will help pay for repairs or replacements.
All Perils Coverage
All Perils Coverage
Combining collision or upset with comprehensive coverage, all perils coverage protects against all risks except those explicitly highlighted in your policy - providing the highest level of protection.
Ontario Car Insurance Quotes Made Easy
Follow these three simple steps to request a quote for auto insurance in Ontario:
Provide Your Details
Complete our quote form by entering details such as your postal code, vehicle information, and driving experience to receive a list of the best insurance rates in Ontario.
Personalize Your Coverage
Shortly after you request your quote, a BIG broker will contact you to review the available rates, provide coverage recommendations, and answer any questions you might have about these options.
Lock-in Your Policy
Once you are happy with your policy’s inclusions, all that is left to do is sign your application online with just one simple click. You can then officially hit the roads of Ontario with confidence.
Factors that Determine Ontario Vehicle Insurance Rates
Car insurance rates in Ontario are influenced by a variety of personal factors. At BIG, we leverage our relationships with the top car insurance companies to secure the best rates for you. By understanding and evaluating your unique circumstances, we find the right policy that meets your needs.
Where you live greatly influences how much you pay for car insurance in Ontario. Urban areas with higher traffic and theft rates often have higher premiums compared to rural areas.
Younger drivers typically face higher rates due to less experience, while gender can also play a role. Married individual's often enjoy lower rates as they are statistically seen as lower risk. To understand how these factors affect your specific situation, consider requesting a quote for car insurance in Ontario from BIG.
Having a clean driving record with no accidents or violations can significantly lower your premiums, helping you secure affordable insurance in Ontario. Conversely, tickets and accidents can lead to higher rates.
Frequent claims or a history of making large claims can lead to higher rates, as insurance companies consider you a higher risk.
Newer, more expensive cars generally have higher insurance rates in Ontario due to higher repair and replacement costs, whereas older cars with good safety ratings can be cheaper to insure.
How you use your car, whether for commuting or pleasure, can impact rates. Commuting regularly or using your vehicle for business purposes typically results in higher premiums.
The type and amount of coverage you choose directly impacts your rates. Comprehensive coverage with higher limits will cost more than basic liability coverage.
How to Get the Best Insurance Rates in Ontario
If you are looking for ways to lower your auto insurance, you're in luck. As the cost of living rises, finding ways to save on essential expenses, like insurance becomes crucial. Fortunately, there are many tips and tricks to help you save on your premiums without sacrificing the coverage you need.
Consult an Insurance Broker
Auto insurance brokers in Ontario can save you time and money by helping you compare quotes from multiple insurance companies. Brokers have access to a wide range of policies and can assist you in finding the best coverage at the most competitive rates for auto insurance in Ontario.
Bundle Your Insurance Policies
Consider bundling your car insurance with other policies, such as home insurance, from the same provider. Many insurers offer discounts for bundling, which can lead to significant savings on your overall auto insurance rates in Ontario.
Install Winter Tires
Investing in winter tires will not only improve your safety during the snowy months, but it can also lower rates on car insurance quotes in Ontario. Due to the reduced risk of an accident, insurance providers offer a discount if you take this proactive approach.
Explore Additional Discounts
Insurance providers offer an array of discounts to loyal clients, individuals who have completed a defensive driving course, members of organizations, and for many other reasons. Ask your broker to see if you qualify for any of them.
Maintain a Safe Driving Record
Having a clean driving record is one of the most effective ways to secure favourable auto insurance rates in Ontario. Avoiding accidents, traffic violations and claims can demonstrate to insurers that you are a responsible and low-risk driver - resulting in a lower price for auto insurance.
Reduce Your Mileage
Some insurance companies offer lower rates for drivers who use their vehicles less frequently, such as those who carpool, take public transportation, or work from home. Providing accurate mileage information to your insurer can lead to reduced rates for auto insurance quotes in Ontario.
Frequently Asked Questions About Auto Insurance in Ontario
The price of auto insurance varies for everyone and depends on several factors, including your age, driving record, location, and the type of coverage you choose. To get a better idea of how much it will cost based on your situation, it’s best to request an auto insurance quote.
You can request a quote for car insurance directly through our website! Simply provide your personal information and details about your vehicle, and you will receive a quote in as little as 3 minutes. It’s that simple!
You do not need to own a vehicle to request a quote for auto insurance in Ontario. If you are shopping for a car, comparing quotes for various makes and models will help you determine what cars fit your budget.
You should add any regular user of your vehicle to your auto insurance policy in Ontario as soon as they begin driving your car frequently. This includes family members, friends, or anyone who regularly accesses your car. Timely adding drivers ensures your policy reflects the current risk and helps avoid potential coverage issues in the event of an accident.
An Ontario Policy Change Form (OPCF) allows you to adjust your policy’s optional coverages as needed. Whether you’re adding, reducing, or changing insurance coverage, OPCFs can tailor your car insurance to better suit your needs.
Experience the BIG Difference
So, why should you trust BIG when looking for auto insurance quotes in Ontario? Well, shopping for insurance can be confusing and stressful, but when you work with BIG, it becomes a breeze!
Our brokers do all the work for you and will source quotes from BIG’s array of trusted insurance partners to present you with personalized coverage options with the best auto insurance rates in Ontario.
