Ontario Car Insurance
Car insurance in Ontario is priced by territory, so where you park at night can matter as much as how you drive. Choose your city below to see the local factors that shape rates, then compare free, no-obligation quotes from licensed Ontario brokers.
Compare Ontario car insurance quotesHow car insurance works in Ontario
Ontario runs a private but heavily regulated auto insurance system. Insurers must file their rates with the Financial Services Regulatory Authority of Ontario (FSRA), and every policy must include the mandatory coverages: third-party liability of at least $200,000, statutory accident benefits, direct compensation for property damage, and uninsured automobile coverage. Optional coverages such as collision, comprehensive, and increased liability limits are priced separately.
Because each insurer files its own rates by territory, vehicle and driver profile, two carriers can quote the same driver very differently. That is the single biggest reason to compare more than one company before renewing.
What affects your Ontario rate
- Postal code and rating territory
- Driving record, convictions and at-fault claims
- Years licensed and driver training
- Annual kilometres and commute distance
- Vehicle make, model, year and theft history
- Coverage limits and deductibles chosen
- Discounts: bundling, winter tires, telematics, multi-vehicle
- Payment method — annual payment usually avoids finance charges
Car insurance by Ontario city
Average premiums below are industry estimates for comparison only. Your quote is set by the insurer after a full review of your driving history and vehicle.
Other Ontario municipalities we serve
Brokers in our network write policies across Ontario. If your municipality is not listed above, the nearest city page is the closest guide to how your area is rated.
Premium figures on these pages are estimates based on publicly reported Ontario industry averages. They are not quotes and do not guarantee pricing or availability. Final pricing is determined by the insurer after underwriting. xinsurance.ca is a free referral service and does not sell insurance.