Auto Insurance in Ontario

auto insurance in ontario

☏ 1.855.385.4226
get a quote
book a chat
Insurance that feels like home Insurance that feels like home

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)

Let's find you the best possible Ontario insurance coverage

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.

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

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.

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

Kathryn Hutson
Kathryn Hutson
2022-09-12
Hilary was great at switching over my policies and getting me the right quote! Will definitely continue to work with Duliban moving forward.
dan tocchet
dan tocchet
2022-09-05
Excellent service from moment they contacted me to when both auto & home insurance was set up. Definitely would recommend Duliban Insurance Brokers.
Wanda Durbin
Wanda Durbin
2022-09-05
I would definitely recommend looking here for first-rate customer service! It was my 1st time using an on-line insurance broker, and I would like to thank Warren Drake for making it virtually stress-free! (dare I say enjoyable?) Warren was very professional, courteous, personable & efficient. He made sure, at every juncture, to present me with the options available, ensured that I understood & recommended what he felt was best & why. Stress-free & very good rate! Well done!!
Eyad Daoud
Eyad Daoud
2022-08-29
Thank you. Excellent experience
brandon rayray
brandon rayray
2022-08-24
As I was looking a new quote for a car insurance at lowestrates.ca I've found Duliban Insurance Brokers thru CAA. And thanks a lot to Trevor his generosity and helpfulness. You guys are awesome and have a good service and dedication. I highly recommend Duliban Insurance Brokers and give 5 stars
Moncef El Jirari
Moncef El Jirari
2022-08-22
I just started shopping and browsing as I am planning to buy a car in the next few months, and Amy Brown called me to give me all the information I need to make the right decision on what insurance company to choose. She was very professional and very helpful even though she knows I'm buying an insurance in the future as my new car is not ready yet. The rates and coverage she could find me are unbeatable for Toronto Midtown. I highly recommend to anyone looking for an Insurance Broker. Thanks Amy Brown in case you read this message.
Jennifer Lemieux
Jennifer Lemieux
2022-08-16
oops, Troy Blackledge - sorry Troy!!
george farrell
george farrell
2022-08-10
I've completed my first year with Duliban Insurance brokers. Signing up for auto insurance I happily saved hundreds of dollars annually for one car. Being a senior with an excellent record Amy Brown made it simple and quick with big savings to begin my new auto policy. I had been with prior insurer for close to 20 years of clean driving. Kudos to Amy and the Duliban Insurance team! Much success!!
Jeremy Dunn
Jeremy Dunn
2022-08-09
Very satisfied with how Duliban handled insurance for my farm property. John Critchley is very knowledgeable, patient and responsive.

How Duliban Works.

We are an independent insurance brokerage and distributer dating back to 1976. Helping with all insurance products from Canada's top providers, we represent you with one goal in mind..... to secure the best coverage at the best price for you our valued client.

STEP 1Call us at 1-855-385-4226, chat with us over live chat or provide us your information by clicking get a quote on one of our insurance products. This can take as little as 5 minutes!

STEP 2Meet your very own shopper! Our brokers will personalize a policy for you and match you with the best rate and coverage from the top providers.

STEP 3It's as simple as that! Now you have your coverage. Leave it to us we will manage the rest ensuring you receive your documents with e-signature and so on.

STEP 4Leave us a review! We love to hear about your experience and it matters to us! This is how we know what you want, how well we did, and how we can best serve you.

We provide competitive quotes from 25+ of Canada's top insurance providers.

We provide competitive quotes from 25+ of Canada's top insurance providers.

As Insurance Brokers representing you, we have put together some reviews of our partners. These are from our individual brokers who have had years of experience working with each of our partners.
our broker reviews of insurance providers

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.

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.

25 Quotes

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.