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)


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)

Let's find you the best possible Ontario insurance coverage

What Does My Auto Insurance Policy in Ontario Cover?

Auto insurance is designed to protect you in several ways. The primary reason you should buy auto insurance is it protects you against liability when you are involved in an auto accident where you are responsible for someone else’s injuries or property damage.


Direct Compensation-Property Damage (DC-PD) is coverage that protects you and your vehicle. It covers your auto and its contents as well as the loss of use of your auto, and the payment will come directly from your insurance provider. DC-PD only applies if the accident occurs in Ontario and there was more than one vehicle involved. Also, at least one of the other vehicles must be insured by a company that is licensed in Ontario or has a special agreement with FSCO to provide insurance coverage.


Collision coverage is optional and covers your car. It is a valuable coverage to have if an accident does not qualify for DC-PD and you want to ensure you can get your car fixed.

Statutory accident benefits coverage pays for your medical bills if you are injured in an auto accident regardless of who caused the accident, and it pays for income loss as well.


There is always a concern that another driver will not have auto insurance. Therefore, auto insurance in Ontario includes uninsured automobile coverage to provide coverage if you or your passengers are killed or injured by an uninsured motorist or hit-and-run driver.


These are the basic auto insurance coverages in Ontario, and you can add extra coverages by endorsement or increasing certain limits.

How Does Ontario Compare to Other Provinces

Ontario $1,505
British Columbia $1,832
Alberta $1,316
Saskatchewan $1,235
Newfoundland/Labrador $1,168
Manitoba $1,080
Nova Scotia $891
New Brunswick $867
Prince Edward Island $816
Quebec $717

Providing You With Competitive Insurance Quotes From 25 of The Best Insurance Companies in Ontario & Canada.

Insurance Companies We Work With

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.

What Should I Do If I Get Into an Auto Accident in Ontario?

Regardless of who you believe is at fault for the accident, collect as much information as you can.


Use your mobile phone to take photos of auto damage and the scene of the accident. Get the following information from the other drivers:


  • Contact information such as names, addresses, phone numbers
  • License plate numbers and driver’s license numbers
  • Names of passengers


Call your insurance provider and ask for assistance with phone numbers for towing and auto repair shops.


Be wary of tow truck operators encouraging you to patronize a particular repair shop, lawyer, or medical provider.


Review all your repair bills and medical bills that are related to the collision.

How Can I Get a Good Rate on Ontario Auto Insurance?

Once you understand the basics of auto insurance, you will be better informed on how to set up your coverages so you can save money without sacrificing the quality of your coverage.


A simple thing you can do to get a lower rate on your auto insurance is to increase your deductible. However, be aware you will need to pay your deductible first if you are deemed to be at fault in an accident.


Another simple thing you can do to save money is to drive safely. Follow the rules of the road and drive defensively. Leave plenty of room behind the car in front of you, and always obey the speed limit. Fewer tickets and accidents will help keep your auto insurance premiums down.

If your car is older and you do not have a loan on it, you might consider dropping the collision coverage. Just be aware that you may not have coverage for damage to your car depending on the circumstances of an accident.


Finally, shop around for auto insurance on occasion. Auto insurers are always looking for ways to lower their premiums. You might find that another insurance company offers a better rate than the one you are currently getting.

Google Rating: 4.7Some awesome words from our Duliban Client Family

Chase Creemer
Chase Creemer
I have never used a broker before. Trevor was able help me secure lower payments for my insurance inquiries. He was very knowledgeable and professional. I would highly recommend everyone speak to Trevor about their insurance needs. I am very pleased and thankful for the savings. Chase
erick evans
erick evans
One of the best brokers in niagara , i would recommend them 💯 . Amy does what she do best to find you a better insurance . Thank you amy for doing amazing job.
Wanted to specifically thank Amy Brown for such excellent service. I cannot stress the level of service I have received from you as I look forward to a long term relationship with you and this company! Amazing pricing (truth be told they blew out all other companies pricing by decent margins). Def worth trying these guys out, you won’t be disappointed. A company that made shopping for insurance an actual enjoyable experience!!!! I can confidently refer you guys to my family and friends.
Ben Daly
Ben Daly
Great service from the first call and Trevor Walton found me a great rate! I was skeptical of brokers and I’m not sure why as this has been nothing but a really good experience!
Carmen Bilcea
Carmen Bilcea
I used this company recently to get an updated and a ... better quote for my car insurance. As new to Canada, my previous car insurance quote was ... astronomical, despite my driving history being imported from the UK due to the exchange driving license agreement between UK and Canada. Dealing with this company was smooth, fast, efficient, very pleasant and I got a very good pice for my car insurance. Domenic was just amazing. There were no pressure as to buy any other additional products I was not initially planning on buying and everything was done in an expedite manner. I will definitely use them in the future and I would highly recommend them based on my experience.
I had my license since I was 16 years old, but moved out of the country to work for 10 years, during that 10 years my Ontario license expired, and basically, I had to start over again from G1 to G, which only took 3 weeks to complete when I came back to Canada. However, most insurance companies were giving me outrageous quotes per month, $250 to $350 a month because they considered me a new driver, even though I had been driving for 20+ years. So, I searched a few brokers to see if they could help, but they were not doing much better. I found Duliban and spoke with Warren. Warren found an insurance company willing to give me credit for my previous driving experience. Warren was friendly, hardworking, and really saved me a lot. Thanks, Warren!
Anna Delpero
Anna Delpero
Duliban was referred to us by a friend who raved about the lower costs of auto/property insurance so we decided to call. We had never used a broker before and dealing with Amy Brown made such a difference. Her attitude and ability to answer any questions we had plus her follow-through was exceptional. The best part was the SAVINGS that clinched changing our Insurance Company. Highly recommend - just call and see what's possible. It was worth it for us!
Betty Gadon
Betty Gadon
Amy Brown is the best, she was very professional and helpful.
Graham Cobb
Graham Cobb
Very helpful and friendly service

The Duliban Hometown Advantage

Don't let car insurance pricing in Ontario put you in a bad mood, we're here to help. With access to 25 of Canada's top insurance companies to shop from we are able to match your insurance needs with the right coverage at the right price. Get a quote above or call us now at 1-855-DULIBAN.

We Work For You

Our team of insurance professionals ensures that YOU receive the best coverage possible at the very best price.


We partner with over 25 different insurance companies that fight to earn your business.

Highly Rated

With multiple provincial and national recognition awards, it’s no wonder why our clients rave about us.

Simple Language

We make sure that you understand your policy without confusing you with complicated insurance jargon.

Our offices are open for walk-ins from 9am-5pm Monday-Friday & by Phone 8am-5pm Monday-Friday Saturday's 9am-2pm.