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In Canada, car insurance rates are determined by a myriad of factors, including one’s driving record, type of vehicle, location, usage, and sometimes one’s profession. Here’s a general overview of car insurance for doctors in Canada:

  1. Professional Discounts: Some insurance companies offer discounts for members of certain professions, including doctors. This is based on the idea that certain professionals, due to their education and nature of their work, might pose a lower risk compared to others.
  2. Affiliation Discounts: Many professional organizations, like the Canadian Medical Association (CMA), might have affiliations or partnerships with insurance companies to provide discounts for their members.
  3. Driving Habits: Regardless of the profession, a person’s driving record will significantly influence insurance rates. Doctors with clean driving records can expect lower premiums, while those with traffic violations or at-fault accidents may see higher rates.
  4. Vehicle Type: The type and use of the vehicle will also affect insurance rates. If a doctor drives a luxury car, it could be more expensive to insure than a standard sedan. Additionally, using the car for work purposes, like house calls or traveling between multiple clinics/hospitals, may influence the rate.
  5. Location: Insurance rates can vary by province and city. For instance, insurance premiums in Ontario, especially in densely populated cities like Toronto, are typically higher than in other provinces due to higher rates of accidents and thefts.
  6. Optional Coverages: Adding optional coverages like collision and comprehensive insurance, rental car coverage, and increased liability limits will raise the premium. Doctors who own expensive equipment and keep it in their cars might consider extra coverage to protect against theft or damage.
  7. Deductible: Choosing a higher deductible, which is the amount paid out of pocket before the insurance kicks in, can lower the monthly premium.
  8. Shopping Around: It’s advisable for doctors (like anyone else) to shop around and get quotes from multiple insurance providers to find the best rate and coverage for their needs.
  9. Usage-Based Insurance (UBI): Some insurers offer UBI programs where the premium is determined based on driving behavior, tracked by a device installed in the vehicle. Safe driving habits can result in discounts.

For doctors who are new to Canada or young doctors who’ve recently gotten their license, rates might be higher due to the lack of a long-established driving record. Over time, with a clean record, the rates can decrease.

OMA Insurance

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OMA Insurance, affiliated with the Ontario Medical Association, provides insurance solutions primarily to physicians, medical students, and their families in Ontario. Like any insurance offering, there are both advantages and disadvantages associated with OMA Insurance. Below are some of the pros and cons based on the organization’s reputation, offerings, and feedback from its members:


  1. Tailored for Physicians: OMA Insurance provides coverage options tailored specifically for the needs of physicians, residents, and medical students. This can lead to more appropriate and customized solutions.
  2. Group Rates: Due to its affiliation with the Ontario Medical Association and the collective purchasing power of its members, OMA Insurance often provides group rates which can be competitive.
  3. Diverse Product Offering: OMA Insurance offers a variety of insurance products, including life insurance, disability insurance, health insurance, and more, providing a comprehensive suite for its members.
  4. Advocacy and Education: They offer educational resources and events that are specifically catered to the medical community, helping them understand the intricacies of insurance and make informed decisions.
  5. Not-for-Profit Model: OMA Insurance operates on a not-for-profit basis. This means that the primary goal is to serve its members rather than maximize profits.


  1. Limited to the Medical Community: OMA Insurance primarily caters to the medical community in Ontario. While this can be seen as a pro due to tailored solutions, it also means that others outside of this community might not benefit from their services.
  2. Might not always be the Cheapest: While group rates can be competitive, it’s always a good idea to shop around. There might be other providers who offer lower rates or different coverages that might be more suitable for an individual’s unique circumstances.
  3. Service Concerns: Like any large organization, there can be occasional feedback from members about service levels or claim handling. However, individual experiences may vary.
  4. Limited Flexibility: Tailored packages, while beneficial for many, might lack the flexibility that some physicians might find with other individual insurance policies in the open market.
  5. Regional Focus: While the OMA has a significant presence in Ontario, physicians in other provinces might find more relevant and beneficial services through their own provincial medical associations or other providers.

In conclusion, OMA Insurance provides valuable services tailored for the medical community in Ontario. However, it’s essential for physicians and medical students to assess their individual needs, compare options in the market, and make an informed decision. Consulting with an independent insurance advisor can also help in making the best choice for one’s circumstances.

Insurance companies offer specialized insurance coverage for doctors


In Canada, each province has its nuances concerning insurance, and various insurance companies offer specialized coverage for doctors. Here’s a general overview of some insurance companies and offerings for doctors, broken down province by province:

British Columbia:

Doctors of BC (previously BC Medical Association) offers members insurance solutions tailored to physicians’ needs.


Alberta Medical Association (AMA) provides insurance services tailored for its members, with coverage options specifically designed for physicians and their families.


Saskatchewan Medical Association (SMA) often collaborates with insurance providers to give its members suitable insurance solutions.


Doctors Manitoba offers members access to various insurance solutions, including disability and life insurance.


OMA Insurance, affiliated with the Ontario Medical Association, is a prominent provider for doctors in Ontario, offering a range of tailored insurance products.


Fédération des médecins spécialistes du Québec (FMSQ) and Fédération des médecins omnipraticiens du Québec (FMOQ) provide resources and benefits for their members, which often includes information and access to specialized insurance offerings.

New Brunswick:

New Brunswick Medical Society (NBMS) provides its members with access to various insurance solutions tailored to medical professionals.

Nova Scotia:

The Doctors Nova Scotia association provides its members with health and wellness benefits, and members can access information about insurance tailored to physicians.

Prince Edward Island:

Medical Society of PEI often provides resources or affiliations that can help physicians find specialized insurance solutions.

Newfoundland and Labrador:

Newfoundland and Labrador Medical Association (NLMA) aids its members with resources, including access to insurance services tailored to their needs.

Territories (Yukon, Northwest Territories, Nunavut):

Given the smaller populations and unique challenges in the territories, doctors might need to rely more on national providers or specialized brokers for their insurance needs. However, the territorial medical associations or societies might offer guidance and resources.

In addition to these associations, there are national and regional insurance providers and brokers that offer specialized insurance products for medical professionals. It’s always a good idea for doctors to review their options, get multiple quotes, and consult with financial advisors to ensure they have the coverage that best meets their needs.

Online Car insurance rates for doctors in Ontario

Car insurance rates for doctors in Ontario can vary depending on a number of factors, including the doctor’s age, driving record, and the type of vehicle being insured. That said, here are some example rates for car insurance for doctors in Ontario:

  1. Family physician, age 35, driving a 2019 Honda Civic sedan: $1,200-$1,400 per year
  2. Surgeon, age 45, driving a 2018 BMW X3 SUV: $2,500-$3,000 per year
  3. Pediatrician, age 50, driving a 2020 Toyota Highlander SUV: $1,500-$1,800 per year
  4. Cardiologist, age 55, driving a 2021 Lexus ES sedan: $2,000-$2,500 per year
  5. Dermatologist, age 30, driving a 2022 Audi Q5 SUV: $2,000-$2,500 per year
  6. Obstetrician-gynecologist, age 40, driving a 2021 Volvo XC90 SUV: $2,000-$2,500 per year
  7. Anesthesiologist, age 45, driving a 2020 Acura MDX SUV: $1,800-$2,200 per year
  8. Psychiatrist, age 50, driving a 2019 Honda CR-V SUV: $1,300-$1,600 per year

It’s important to note that these are just example rates and individual rates may vary based on a number of factors. To get an accurate quote for car insurance for doctors in Ontario, it’s best to contact an insurance provider and provide them with your specific information and vehicle details.


Here are some frequently asked questions about car insurance for doctors in Ontario:

  1. Do doctors receive any discounts on car insurance? Some insurance providers may offer discounts to doctors, as they are often seen as low-risk drivers. However, it’s important to note that discounts may vary based on the insurance provider and other factors.
  2. Should doctors purchase higher liability limits on their car insurance policy? Doctors may want to consider purchasing higher liability limits on their car insurance policy to protect against any claims or lawsuits that may arise in the course of a medical practice. It’s recommended to discuss the appropriate coverage with an insurance agent or broker.
  3. Can doctors purchase car insurance through their medical professional association? Some medical professional associations may offer group discounts on car insurance for their members. It’s recommended to contact the association directly to see if they offer such benefits.
  4. Can doctors purchase car insurance for their practice vehicles? Yes, doctors can purchase car insurance for practice vehicles that are used for business purposes. It’s important to note that insurance rates may vary based on the type of vehicle and its use.
  5. What factors affect car insurance rates for doctors? Factors that may affect car insurance rates for doctors include the doctor’s age, driving record, location, and the type of vehicle being insured. Additionally, the level of coverage and deductibles chosen can also impact insurance rates.
  6. How can doctors find the best car insurance rates? To find the best car insurance rates, doctors can start by shopping around and comparing quotes from different insurance providers. Additionally, they may want to consider factors such as the level of coverage, deductibles, and available discounts.
  7. Can doctors still get car insurance if they have a poor driving record? Yes, doctors can still get car insurance if they have a poor driving record. However, they may be required to pay higher insurance rates due to the increased risk of accidents or claims.
  8. What should doctors do if they’re in a car accident? If doctors are involved in a car accident, they should take steps to ensure their safety and the safety of others involved in the accident. They should exchange insurance information with the other driver and contact their insurance provider to report the accident. If anyone is injured in the accident, doctors should also contact emergency services.
  9. How often should doctors review and update their car insurance policy? Doctors should review and update their car insurance policy on a regular basis to ensure they have the appropriate coverage for their needs. They may want to review their policy when they purchase a new vehicle, move to a new location, or experience any other significant life changes that may affect their insurance needs.

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