Cheap Car Insurance Quotes Ontario

Free, Instant Quotes From Over 20 Car Insurance Providers

Car Image
Happy Visitors
Average Savings for 12 Months
Cups of Coffee

Free, Instant Quotes From Over 20 Ontario Car Insurance Providers

Our free auto insurance quote process is fast and user-friendly. Within minutes, you will be presented with a wide range of car insurance providers in Ontario to choose from.

Car Insurance Ontario Broker

It Takes Only 3 Minutes!

Our site is easy to use. The application process is guaranteed to be simple, hassle-free, and accurate. You are guaranteed to get quotes from well-known and highly reputable companies in only 3 minutes. Access to a variety of car insurance quotes from multiple Canadian companies will guide you to the most affordable coverage that meets your specific requirements. Let us help you meet your needs and your budget.

Compare Free Quotes Now

Why You Should Compare Car Insurance Quotes Ontario With Us


Saving money on auto insurance has never been so simple. Comparing quotes from different insurance companies makes it easier to find the best insurance policy at the best price. We can help you save up to 55% on your auto insurance.


Accuracy is one of our guarantees. We believe that you deserve legitimate and accurate online information. All listed vehicle insurance rates are complete and up-to-date. Request a quote today and get optimum coverage—fast and easy.


We provide quotes free of cost, with zero obligations. Go ahead and use our simple tool to discover the best insurance providers in Ontario. All it takes is a few clicks!


Your time is precious. Don’t waste it searching hundreds of websites. We’ve done the research, and have all the information you need to make an educated decision right here at your fingertips. Request a quote from us today. It will only take you 3 minutes to find the most affordable insurance coverage for your vehicle.


No extra fees. No worries. No obligations! We are here to help you find the right Canadian auto insurance rate without requiring any commitment from you. Inspect quotes at your own time and pace. You are under no responsibility to buy.


Our tools are convenient and easy to use. We guarantee a faster shopping experience with top-quality results. The whole process will take as little as 3 minutes.

Protect Yourself and Your Loved Ones

Whatever you drive, you have a lot riding on those wheels: your loved ones and your peace of mind. Choosing the right Ontario car insurance policy can help protect you from the risks of the road.

Compare Free Quotes Now
happy kids

Popular Posts From Our Blog

Read Our Blog to Learn More About Car Insurance Ontario

Car Insurance For Immigrants


These days, it can be difficult for new immigrants in Canada to find affordable insurance after getting their driving license and buying a car. If you are…

Man Saved Money on Car Insurance


When shopping for car insurance Ontario, you can get different quotes from brokers. In general, if you call a broker will take your details such as age…

Teenage Driver


The insurance companies classify the teens as inexperienced drivers, so this usually increases the cost for their policy. For this reason, the average…


Frequently Asked Questions (FAQ)

Ontario works under a government regulated private insurance system. It’s one of the most regulated insurance markets in the country, a factor that contributes to the highest auto insurance rates in the country. Each insurance company submits operating procedures to the Financial Services Commission of Ontario, which oversees the auto insurance market. When these procedures are approved by the FSCO, they are binding, which means the insurance company must follow them to the letter. They cannot arbitrarily change procedures without first gaining FSCO approval.

Every insurer uses their own methods to calculate premiums. Statistical and personal data are analyzed and each policyholder represents a blend of this data. This creates the risk factor used for the policyholder, and their auto insurance premium stems from this risk factor. Statistical data used in Ontario includes: a driver’s age; driving experience; postal code of home residence; and make, model and year of car. Personal information that impacts premiums include; driving record; insurance claims history and how the car is used, including daily and annual kilometers.

This risk base applies to minimum mandatory insurance coverage as required by the government. Every car on Ontario’s roads is required to have a minimum level of insurance, or the driver/owner of the vehicle could face fines from $5,000 to $50,000. Minimum mandatory coverage includes premiums covering four basic sections. Third party liability coverage in the amount of $200,000 protects the driver against lawsuits arising from at fault accidents. Accident benefits pay for medical and rehabilitation costs attributable to an accident for the driver and vehicle occupants. Direct Compensation-Property Damage coverage pays losses to a driver back directly by their own insurer, in the case of specific types of accidents. Uninsured/unidentified motorist coverage protects against incidents where the other driver is uninsured, or in the case of a hit and run accident, where the other driver is unknown. Additional optional coverage and increases on mandatory minimum coverage is available also.

Because Ontario has a competitive private auto insurance market, the price for one driver’s policy may change drastically between insurance companies. Each company has their own method of calculating driver risk, as well as interpreting statistical risk data. An insurance company may also target a select segment of the auto insurance market, offering incentives, promotions, packages and discounts to attract certain segments of the insurance-buying market.

This presents both opportunities and challenges for the auto insurance consumer. The best rate is out there, but the only way to find it is through aggressive comparison shopping. There are over 100 companies underwriting car insurance in Ontario, and not all of them issue policies in all areas. Contacting 100 companies isn’t something most people have the time to do.

Brokers represent a number of companies, and so they can make the search somewhat easier. One drawback, however, is that two brokers may have some overlap. That is, each may represent several insurers in common. Brokers may favour certain companies also, which may or may not be in your best interests.

A new tool in the car insurance price war is available right here at Ratelab. It’s called a car insurance calculator. You start by entering your home postal code on the Ratelab page. Continue filling out your personal data and car insurance needs, and the calculator will search through dozens of auto insurance providers online, behind the scenes. You’ll be presented with quotes from the lowest cost insurance companies that meet the features and coverage that you want. Armed with the best deals, you’ll know where to start to make your smartest car insurance purchase.

There is no one size fits all car insurance product in Ontario. Every car insurance provider has a unique way to calculate car insurance premiums, so no two companies may provide precisely the same rate for the same policy. On top of that, there are many options a car insurance consumer can choose. Insurance companies also offer discounts and packages that further affect the final price of an auto insurance premium. Here are some of the factors that can affect the cost of a car insurance policy.

  • Age and gender of the driver(s)
  • Home postal code
  • Personal driving record
  • Insurance claims history
  • The year, make and model of the insured vehicle
  • How the vehicle is driven. For example, daily to work, pleasure use only, etc.
  • Number of kilometers driven, daily, annually

Some of these factors depend on the drivers of the vehicles, while others are based on statistical data. For example, the driver’s postal code connects their premiums with the record of accidents in the area as well as the average cost of claims. While neither of these may have anything to do with an individual driver, the statistical possibility of an incident is assigned by the insurance company.

The government of Ontario requires a minimum amount of insurance on every car using provincial roads. Among the minimum mandatory provisions is third party liability insurance in the amount of $200,000. This protects a driver against lawsuits stemming from at fault accidents. However, settlements for serious accidents can easily exceed this amount, so it’s common for drivers to extend coverage to $500,000, $1 million or more. This adds to the cost of basic insurance. Similar extensions can be chosen for other coverage classes as well. Optional coverage and deductible limits will also affect the final amount of an auto insurance policy.

Limits and deductibles can be used to customize coverage and adjust premium pricing of auto insurance policies.

Limits are the caps in dollar value that an insurance company has to pay in the case of an accident settlement. For example, mandatory auto insurance coverage requires $200,000 of third-party liability coverage. If a lawsuit arises from an accident where a driver is at fault, the insurance company will pay up to $200,000 in costs arising from the lawsuit. If the settlement works out to be $300,000, the insurance company still only pays $200,000. The at-fault driver remains responsible for the additional $100,000.

Since this amount is more than the average driver can pay, extended coverage is necessary to protect drivers against such an event. Most drivers in Ontario opt for extended coverage by purchasing additional insurance under their policy. This purchase adds to the total premium.

Deductibles, on the other hand, are an amount the insured driver pays in the event of an accident or loss. Deductibles apply to the optional insurance classes of collision and comprehensive coverage. When a driver carries a policy with a $300 deductible, in the event of a claim, the driver pays the first $300 of costs for repairs or replacements. The insurance company then pays the balance of costs. A driver with a deductible of $1,000 pays that amount before the insurance company pays out.

Choosing a low deductible is more expensive in terms of an insurance policy. Since the insurance company accepts more risk, the driver’s premiums are higher. By assuming more risk with a higher deductible, the driver benefits from lower premiums, although they will be responsible for paying more to repair or replace a car after an incident.

In short, yes, someone else driving your car is probably covered under terms of your auto insurance policy. However, that’s assuming that it’s casual, occasional use. For example, if your neighbour borrows your car to make a quick run to the corner store, no problem. Your policy will cover your neighbour. If the same neighbour borrows your car every Friday at 4:30 to go grocery shopping, that’s regular use, and it must be reported with your insurance company.

Your neighbour can still be covered under your policy, but they will need to be named as an occasional driver on your policy. Their demographics and insurance history may now have an effect on your insurance premiums.

The same holds true for family also. If your spouse has their own vehicle but occasionally uses yours, perhaps because it’s at the end of the driveway, your car’s policy covers your spouse. If they drive your car to an evening class on Tuesdays and Thursdays, they will need to be listed drivers on your policy.

If a regular driver situation is discovered in the aftermath of a collision or other incident, and the insurance company was not informed of this arrangement, they may withhold payment on claims on the basis that you misrepresented how your car is being used.

All scenarios assume that the other person using your car is fully licensed and permitted to drive in Ontario and that your current insurance coverage is valid. The driver borrowing your car should know where the insurance and ownership documents are in the car, as it’s the driver’s responsibility to present these when asked by a police officer. The owner of the car is also responsible for how the vehicle is being used, even if they are not in the car while it’s being driven by someone else.

Your limits and deductibles have a significant impact on your car insurance premium. You will pay a higher premium if you have a lower deductible and a higher limit. When deciding on the deductible amount that’s right for you, consider how much you can afford to pay in the event of an accident. Keep in mind that a lower deductible means you will pay a higher premium, but less out-of-pocket costs when you make a claim.
What Our Visitors Say

We pride ourselves on providing superior service. Below are some testimonials from visitors…

I was really pleased with my experience and will definitely recommend this comparison service to family and friends!
Brain N., CEO of A Company
By far, this has been the easiest, friendly and efficient service for comparison related needs. Everyone needs this, excellent job!
Ernest O., Teacher
Site tries to match you with the best rates possible locally. Best of all, their service is 100% RISK-FREE with absolutely no obligation to order. Highly recommended!
Gojcus B., Realtor

Join The 220,000+ Satisfied RateLab Visitors!

Compare Free Quotes Now