The Ontario government requires drivers to have car insurance. Fortunately insurance companies in Ontario give more than just auto insurance coverage; they offer flexible car insurance options to provide you with specific protection rates matching your income. Different car insurance companies offer different auto insurance rates, some rates being more economical than others. Before seeking these Ontario auto insurance companies out, you must know the basic car insurance laws in Ontario.

Although rural backroads and small-towns in Ontario do have their own unique hazards, owning and driving a car in an urban area, like Toronto or Ottawa, carries significantly higher risks for everything from traffic accidents to theft to minor fender benders. Due to the higher risk associated with cars in the city, car insurance is generally more expensive in city centres.


We're proud of our long history. Over 70 years of providing Canadians with reliable insurance and accurate car insurance quotes in Ontario. Along with our insurance, you can also expect to receive customer service that treats you like an individual, which means you won't find pre-packaged, one-size-fits-all coverage when researching our many and varied solutions. Contact The Co-operators today to learn more. Select the city nearest you from the list.

Get the protection you need at a price you can afford. Get all the discounts and savings you deserve – there are many options to choose from so you can customize coverage for a perfect fit. As you select coverage, remember that your premium will reflect the coverages and coverage amounts that you select. For example, if you select lower coverage amounts, you may pay a lower premium but may need to pay more after an accident.
If you drive more than 9,000 km, CAA MyPace may not be for you. When you drive more than 9,000 km on CAA MyPace, you will be charged an administrative fee for each additional 1,000 km increment used. This fee will put you above the price of our traditional Auto Insurance policy so you may wish to discuss options with one of our Agents or your Broker.
The chart above illustrates the average auto insurance premiums across Canada. Typically the province of Ontario is characterized by the highest auto insurance rates. Quebec, as a rule, has more affordable car insurance premiums since the health part of the insurance (e.g. bodily injuries) is covered by the government. Not all provinces allow customers to choose from a variety of insurers. Three provinces have crown companies being the only source of vehicle insurance:

Depend on The Co-operators for auto insurance quotes in Ontario to protect you and everything you cherish. While you may believe that all products are made equal, the truth is that rock bottom rates don't always equal reliable coverage. For high quality insurance coverage in Ontario that's tailored to your specific needs, talk to The Co-operators today, the first choice for auto insurance quotes.


However, there are some other federal and provincial laws that allow for exceptions. The biggest exception is Bill S-4, or the Personal Information Protection and Electronic Documents Act. One of the implications for insurance companies is that it they can share personal information without consent if it reasonably allows them to discover and prevent fraud.
Those that will continue your driving record: Some companies will consider your previous experience and will offer you a rate based on how long you have been driving, no matter where you got your on-road experience. Check with a broker to see which companies consider previous out-of-Canada experience so you can reduce your chances of a denial and increase your chances of getting the best possible rate.
Overall, men are considered riskier drivers. According to Statistics Canada, men are involved in more than twice as many deadly collisions than women. Drivers under the age of 25, particularly single males, have statistically higher collision rates, and therefore pay higher rates. Insurance is all about assessing risk based on data, so companies consider a number of general factors, including time spent driving, type of vehicle, number of accidents, and general driving behaviours. In some cases, being married – especially if your partner has a good driving record – can reduce your rates.

Obtaining cheap auto insurance quotes from our online insurance providers has never been simpler. All you need to do to get cheap auto insurance rates for any or all of your vehicles is to provide some basic information. Our independent agents will compare insurance company quotes and notify you by email or phone. The appropriate state laws and regulations will be applied to provide you with a speedy auto insurance quote. Whether you just want to save money, are classified as a safe driver or have minor to major dings on your driving record, you may still be able to get much lower rates. The good news is that by shopping Affordable Insurance of Jax for the best rates, you always have free access to cheap auto insurance quotes.
Accident Benefits: With the exception of Newfoundland and Labrador, Accident Benefits are mandatory across the country. Accident Benefits will pay for things like medical treatments, income replacement and funeral expenses if you are injured or killed in a car accident. Additionally, some areas of the country require that your auto insurance policy include Direct Compensation Property Damage (DCPD) and/or Uninsured Automobile coverage. DCPD covers damage to your vehicle or its contents when someone else causes a collision you’re involved in. Uninsured Automobile coverage also offers protection to you if you’re involved in a collision where the other driver, who is at fault for the accident, does not have auto insurance. 
This is a question that all drivers want to know the answer to – and in most cases the answer will be “too much”. It’s no secret that Toronto has some of the highest car insurance rates in all of Ontario. Unfortunately, since you live in the Greater Toronto Area, you can already to expect to pay more than other Ontario drivers simply because of where you live.

Here's what happens in case of a covered accident: First, you report a claim — online, or through your agent. If there's damage to your vehicle, you can choose your own repair shop or one of our preferred auto shops, which provide great repairs and guaranteed completion dates. Then, subject to the terms and conditions of your auto insurance policy, we pay for the damages. Our claim specialists help find repair facilities in your area, keep you updated on work being done, and process your claim quickly and efficiently.
×