auto insurance in ontario
WHAT YOU NEED TO KNOW ABOUT CAR INSURANCE IN ONTARIOWe have compiled some of the most relevant information about Ontario car insurance numbers from top sources to help further assist you in understanding how your auto insurance premiums are determined.
Ontario is the most populated province in Canada, so it stands to reason it also has the most cars and drivers. Whether you are driving in Ontario or somewhere else in Canada, you want to be sure you are getting the best possible auto insurance coverage in Ontario for the best rates.
14.57 million
People Live in Ontario
8.5 million
Licensed Drivers in Ontario (72% of all Canadian drivers)
2nd highest
Ontario Rates Ranked (British Columbia is the most expensive)
300,000
New Drivers Licensed in Ontario Annually?
4.7 million
Issued or Renewed Licenses Annually in Ontario
$125 month
Average Cost of Car Insurance in Ontario ($1505 per year)
Understanding auto insurance in Ontario
Mandatory coverage for insurance in Ontario
This covers legal expenses if you’re sued after an accident. It covers the costs associated with injuries and damage that you caused to others if you’re at-fault in an accident.
This coverage provides funds if someone is injured and in an accident.
This covers all costs if a driver is uninsured or in the event of a hit-and-run.
Covers damage to your vehicle or other property if you’re not at fault in an accident that’s in Ontario.
Optional coverage for insurance in Ontario
This covers damage to your vehicle if you’re involved in an accident with an object, or are at-fault.
Covers damage to your vehicle which happen from incidents other than an accident such as hail, wind, water, theft, or even vandalism.
This coverage gives you one ‘free’ at-fault accident, meaning your rates will not increase on your first accident if you remain with the same company.
If your vehicle is deemed a total loss this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price of your car.
This covers the expenses relating to towing your car after an accident.
You can have your car insurance coverage extend to protect you while driving a rental vehicle up to a certain limit.
How Does Ontario Compare to Other ProvincesAverage car insurance policy annual rates by province.
Auto Insurance Is Required by Law in Ontario
What happens if you do not have auto insurance? The Financial Services Commission of Ontario (FSCO) regulates insurance in Ontario. According to their rules, auto insurance is compulsory, which means you must purchase auto insurance to drive your car in Ontario.
If you cannot show proof of auto insurance, you could have to pay a hefty fine, you may have your license suspended, or you may have your car impounded. Not having auto insurance is simply not worth the risk.
Moreover, if you cannot show proof of auto insurance and you are convicted, insurance providers may place you into the “high-risk” category. “High-risk” drivers will have to pay a higher premium and may have difficulty finding an insurance company that will insure them. Drivers labeled “high-risk” may be limited on certain coverages and they may not be able to sue an at-fault driver for their injuries.
Drivers must provide proof of a valid auto insurance policy to register or renew their auto registration.
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We provide competitive quotes from 25+ of Canada's top insurance providers.
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Who are Duliban Insurance Brokers LTD?Your Hometown Ontario Insurance Broker Since 1976
Our history starts in 1976. After 20 plus years working for a local steel mill, James Duliban purchased a small insurance brokerage in Welland called ‘R.F. Seehuber Insurance Agency’ and operated at that time under James Duliban Insurance Brokers.
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