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Car & Auto Insurance Ontario

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Comprehensive Auto & Car Insurance quotes in Ontario Begins with Sharp Insurance

At Sharp Insurance, we use technology and our industry knowledge to make Auto insurance in Ontario as painless as possible. We know you want to protect yourself on the road without breaking the bank – and we’ll find you the best coverage for the best price.
How? We offer free online auto insurance quotes for Ontario drivers. Just fill out the form and give us some basic information and we’ll get you the best Auto insurance quotes from a number of the best Ontario Auto insurance companies. Our brokers will make sure you get the right coverage and have a positive experience – as much as you can with insurance!
Plus, you don’t have to sit on hold or talk to anyone if you don’t want to. We have a mobile phone app and an online web portal. Both let you manage your insurance whenever and wherever you want. You can access your pink cards, review your coverage, request a change, and submit a claim when it’s convenient for you.
See what we can do for you and get an online Ontario car insurance quote today!

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The Basics of Auto Insurance in Ontario

First thing’s first: you’re legally required to have a certain type and amount of car insurance in Ontario. Requirements vary by province, but in Ontario you’ll be required to carry some level of Liability Coverage, Direct Compensation, Accident Benefit Coverage, and Uninsured Automobile Coverage. These are to protect you and others on the road.
Other than the mandatory coverage, you’ll need insurance in Ontario if you can’t afford to repair or replace your car out of pocket if something happened. Moreover, if you are leasing or financing your vehicle, the lending company may ask you purchase additional coverages, i.e.: collision and comprehensive. These are to protect their investment.

Do I need Auto Insurance in Ontario?

You’re legally required to have a certain type and amount of car insurance in Ontario.

Other than the mandatory coverage, you need insurance in Ontario if you can’t afford to repair or replace your car out of pocket if something happened.

What is the Average Cost of Vehicle Insurance in Ontario?

The average cost of car insurance in Ontario is [$1,920 per year].

The cost of insurance in Ontario depends on many factors. Each type of insurance is calculated differently and may vary between insurers. That’s why it’s important to get several Ontario insurance quotes to ensure you’re getting the best value.

Get the Right Auto Insurance Coverage in Ontario

Getting the right car insurance coverage in Ontario is the perfect mix of protection and price.

What’s Covered by Auto Insurance in Ontario?

There is both mandatory and optional coverage provided for a driver in Ontario.

Mandatory Coverage:

  • Third Party Liability – covers legal expenses in the event you’re sued after an accident and covers the costs associated with injuries and damage that you caused to others if you’re at-fault in an accident.
  • Accident Benefits – Provides funds if someone is injured and in an accident.
  • Uninsured Automobile – Covers costs if a driver is uninsured (or it’s a hit-and-run).
  • Direct Compensation for Property Damage – Covers damage to your vehicle or other property if you’re not at fault in an accident that’s in Ontario.

It’s important to note that the above coverage is for injuries and damage if you’re in an accident. It won’t cover damage if you’re at-fault or if your vehicle is damaged by something other than an accident.

Optional Coverage:

Collision or Upset Coverage

Covers damage to your vehicle if you’re involved in an accident with an object, are at-fault, or your vehicle rolls over.

Comprehensive Coverage

Covers damage to your vehicle in circumstances other than an accident such as hail, wind, water, theft, vandalism and more.

Emergency Road Service

This covers the expenses relating to towing your car after an accident.

Loss of Use

Helps cover alternative transportation like a rental car or public transit if your car is being repaired after a covered loss.

Rental Car

If you rent cars frequently, this add-on will cover physical damage to rental cars. This means you don’t need the insurance offered by the rental car company in most cases.

What is not covered by Auto insurance in Ontario?

You won’t be covered for anything you don’t include in your policy, including:

  1. If you don’t have comprehensive coverage, you won’t be covered if your vehicle is damaged by fire, wind, or hail.
  2. If you were in an accident while under the influence of drugs or alcohol or are convicted of certain Criminal Code offences relating to a vehicle, your insurance company won’t cover you.
  3. You won’t have coverage if you use your car for transporting passengers and only have personal use insurance. You’ll need commercial vehicle insurance to ensure you’re covered.

What Factors help determine insurance rates in Ontario

There is a point system that determines your rate level in Ontario. Some of these factors include:

  • Your insurance history
  • Your claims history
  • Your credit rating
  • Your demographics
  • Where you live
  • Your insurance options, including the type of loss settlement, policy limits, coverages, and your deductible

If you’re buying car insurance in Ontario, the make, model and age of your vehicle, how much you drive, and if you commute will matter.


What is No-Fault Car Insurance?

Ontario is a no-fault province, which doesn’t mean that no one is assigned blame for an accident. No-fault simply means that you go through your own insurance company to handle a claim. This means the claims process is faster and simpler.

If you’re in an accident, fault will still be assigned and if you’re found to be at-fault, your insurance rates will be affected.

What is a Policy Limit?

A policy limit is the maximum amount that will be paid out in the event of an accident. We recommend choosing a limit of $1,000,000 or $2,000,000 given the high cost of accidents.

How Much is Auto Insurance for a New Driver in Ontario?

Insurance for new drivers in Ontario can be expensive, but luckily, you have a few options:

  • Add the new driver onto an existing policy as an occasional driver or additional insured
  • Purchase a separate car insurance policy for the new driver

It’s also important to do your price shopping if you’re a new driver. We can take care of that part – we’ll get you auto insurance quotes for new drivers in Ontario from a bunch of different companies.

It’s also a great idea to take an approved Drivers Training Course as most insurers offer a discount. If you drive carefully and avoid getting any tickets, you’ll be able to see your car insurance rates go down over time.

What is a High-Risk Driver in Ontario?

While it can depend on the insurer, generally you’re considered high risk driver when you:

  • Miss payments repeatedly and have your auto insurance cancelled for non-payment
  • Have a high number of claims or at-fault accidents
  • Have your license suspended
  • Drive impaired (under the influence of drugs or alcohol)
  • Were criminally convicted of a charge relating to driving

If you meet one of these conditions, it is likely that your auto insurance premiums will be very high and you may only be offered limited coverage through a specialty high-risk Ontario auto insurance provider.


Our brokers can help you find the best car insurance in Ontario as a high-risk driver and offer advice on how to lower your rates.

Ontario Auto Insurance Costs:

The average cost of car insurance in Ontario is tough to calculate exactly, as everyone will pay a different amount. Unfortunately, Ontario tends to see the highest auto insurance rates of numerous different provinces, and this is likely a result of the large amount of traffic in the province and statistically higher instances of automobile collisions. All is not lost! Working with an insurance brokerage, like Sharp Insurance, is one of the best ways to get affordable rates – without sacrificing coverage.

The cost of insurance in Ontario depends on many factors. Each type of insurance is calculated differently and may vary between insurers. That’s why it’s important to get several Ontario insurance quotes to ensure you’re getting the best value.

Why is auto insurance different for everyone? Well, because not everyone has the same driving record, the same insurance history, drives the same car, or uses their car for the same reasons/drives the exact same distance. There’s a lot to it – but not to worry. You don’t need to become an expert in auto insurance to learn everything that there is about it. That’s why working with a broker, like our Ontario auto insurance brokers here at Sharp, can be a great help.


How much does auto insurance cost in Ontario?

If you drive a car in Ontario, you’ll pay, on average, [   $1,920 per year ].

However, there are some factors that impact your Ontario auto insurance costs:

  • Your driving record
    • The number of tickets you have and the ticket severity
  • Your insurance and claims history
    • How many years you’ve been insured consecutively
    • How many claims you’ve made
  • Your credit rating
  • Your demographics
  • Your vehicle’s make, model, and age
  • Where you live
    • Claim rates of your area
  • How much do you drive your vehicle
  • If you commute and if so, how far are Your insurance options including your loss settlement, policy limits, coverages, and deductible

These factors determine how “risky” you are to insure – or how likely it is that you’ll have an accident or make a claim. They also determine how much it will cost to repair or replace your vehicle.


Is Auto insurance expensive in Ontario?

Yes and no. British Columbia reigns in supreme for the highest insurance rates for auto insurance in all of Canada, but Ontario comes in at a close second. For one, it’s the most populous province, and two, although on a less happy note, it’s the province that seems the highest rates of fraud. Ontario also features pretty generous accident benefit laws, which have contributed to the high price.

However, unlike BC, buying auto insurance in Ontario presents you with more choice. You can take the time to compare companies – and you can do so with ease through Sharp Insurance!


How do you get cheaper car insurance in Ontario?

While there are many elements that go into your car insurance rate, we recommend following the below tips to get the best rates possible.

Tips to get cheap car insurance rates in Ontario:

  • Bundle your insurance
  • Raise your deductible
  • Don’t submit a claim if you can afford to pay for it out of pocket
  • Pay your bills on time – your credit rating impacts your rates
  • Take an approved driver training course
  • Install an approved security or loss prevention device
  • Take alternative transportation for your commute
  • Drive less
  • Do your research when buying a vehicle – different vehicles cost different amounts to insure


Common Discounts:

  • Driver Training Course
  • Loss Prevention Devices
  • Occupation or Professional Memberships
  • Bundled Insurance
    • Multi-line
    • Multi-vehicle
  • Claims Free
  • Loyalty

Your broker will check for eligible discounts when you request an Ontario auto insurance quote or when you renew if something changes or new discounts become available.

In addition to checking for discounts, an insurance broker can also get you multiple car insurance quotes from Ontario’s many different insurance companies. This gets you the best coverage for the best price.

Keep your broker up-to-date with any changes that would impact your insurance rates.


Which car has the cheapest insurance?

It changes by year depending on theft rates and repair/replacement costs, but currently, the least expensive cars to insure in recent years have been the Subaru Crosstrek, the Jeep Wrangler Sport, and the Honda CR-V. This is due to their high safety ratings, low theft chance, and the fact that they are statistically less likely to be involved in an accident.

Sharp Insurance for the Best Ontario Auto Insurance Coverage

Getting the right car insurance coverage in Ontario is the perfect mix of protection and price. Sharp Insurance are experts in auto insurance in Ontario and can help you compare the cheapest rates for the best coverage in no time whatsoever. We’re independent, award-winning, and one of the fastest growing brokerages in Canada – and for all the right reasons. We support clients on a national level from our headquarters in Calgary, Alberta and work with multiple markets to guarantee you can receive a broad range of product offerings – all while receiving unbeatable service, comprehensive coverage, and low prices. We’re excited to be working with you. Get a free quote to start.


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We offer more than just your run-of-the-mill, personal lines auto insurance. In Ontario, Sharp extends its product offerings to recreational vehicle and commercial vehicle insurance as well. We develop innovative tools to improve your experience when buying any kind of auto insurance – whether that’s for an ATV or for your family’s Subaru. See below for further details.

Do Commercial Vehicles need Insurance in Ontario?

Yes, a commercial vehicle insurance policy is in place when your personal insurance policy will not cover you. Commercial vehicles have different risks, and while the insurance coverage is like a personal car insurance policy, insurance companies treat it very differently.

Commercial Auto Insurance is for a person who:

  • Transports others for money (e.g. Uber driver)
  • Uses their vehicle for work other than commuting, including transporting materials, products, and installing work-related equipment
  • Have their vehicle registered in a company’s name

If you’re not sure if you need commercial auto insurance, talk to one of our Sharp Ontario insurance brokers.

How to get the Best Recreational Vehicle Insurance in Ontario

Protecting your recreational vehicles lets you enjoy your hobbies. While you can add your motorhome or trailer to your home insurance, a separate policy offers the best protection; you won’t have to make a claim against your home insurance if something happens.

Coverage varies for each type of recreational vehicle, but every policy will include liability and property damage coverage.

Recreational vehicles include:

What is Temporary Car Insurance?

Temporary car insurance, also called short-term insurance, is only offered by certain insurance companies, so it’s recommended to ask your insurance broker about your options.

Reasons to get a temporary license:

  • drive to a licensing office
  • a short road trip
  • switching to a new policy

Some insurance companies have a 6-month policy, but the market is very thin.

Classic Cars Insurance in Ontario?

If you own a classic car or collector vehicle, you should protect it with classic car insurance. Why? Regular Ontario car insurance won’t accurately reflect the value of these special vehicles.

Ontario classic car insurance gives you:

  • Agreed value for your classic car – no depreciation
  • Roadside assistance (with flatbed towing, lockout, battery jumps, tire changes, and emergency fuel)
  • Ability to choose your repair shop (or do them yourself)
  • Specialty parts
  • Cheaper premiums

You’re likely eligible for this coverage if you own a vehicle that is an antique car, classic vehicle, or a limited/special edition vehicle, or supercar – typically a car you do not drive every day. Give one of our Ontario classic car insurance brokers a call today for more details.

FAQs for Ontario Auto Insurance


How long does it take car insurance in Ontario?

Gone are the days of waiting for days – even weeks – to get car insurance in Ontario. With Sharp, all you need to do is start with a free quote in just a few minutes and go ahead to purchase in a very simple, straight-forward and efficient process.

Who sets car insurance rates in Ontario?

Your insurance company. Now, different companies will weigh different factors different – i.e., some may put more weight/influence on your commute distance/time than, say, your gender or age, and some companies may do it vice versa. It all depends. Some companies may even factor in credit score, whereas others won’t use it as a variable.

Can I drive my parent’s car without insurance in Ontario?

Technically, as a member of your parent’s household, you can drive your parent’s car and you’d be insured under their policy as an occasional driver. If you’re an adult child and moved away already but you’re borrowing the family car, their insurance would still technically kick in if there was an accident. You could purchase non-owner car insurance, which will protect you from financial burden. This helps reduce the weight on your parents’ auto insurance and saves them from a rate increase.

Can you register a car without auto insurance in Ontario?

No, vehicles on public roadways in Ontario must have valid insurance. You’ll be required to purchase auto insurance before you register your vehicle.

Who can drive my car under my auto insurance in Ontario?

Anyone living with you or related to you by blood, marriage, or adoption and is living in your household can drive your car under your auto insurance. If anyone else is planning to use your vehicle on occasion, you should get them named in your policy as an occasional driver. Consult with an auto insurance broker in Ontario from Sharp Insurance for more information on how to do this.

Working with the Best Auto Insurance Brokers in Ontario

Why work with Sharp Insurance? We have so many things going for us as a fast-growing, independently-owned insurance brokerage in Canada. We work hard to be the very best, and we excel at what we do – not to mention the fact that we love what we do! Sharp is the best brokerage, because:

we have an awesome, experienced team of brokers to make insurance as easy and accessible as possible.

we offer our customers a digital experience: an online portal and app that lets you manage your insurance.

we’re an independent brokerage, which allows us to partner with many insurance companies to give you the best rates possible.

we offer competitive car insurance quotes in Ontario.

List of Auto Insurance Companies in Ontario We Work With

There are many car insurance companies in Ontario. We work with the following companies:

Aviva Canada Logo
Economical Insurance Logo
Intact Insurance Logo
Royal & Sun Alliance Insurance Company of Canada Inc Logo
Wawanesa Insurance Logo

We’re continually growing our access to include the best insurance companies in Ontario to ensure you’re getting competitive auto insurance quotes and, of course, the best price for the best coverage.

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How to Get a Free Quote Today

Our experienced staff is here to help you with anything insurance-related. We’ll advocate for you if you have a claim, answer your questions, and help you get the best rates.

Get a free Ontario auto insurance quote online or call us if you prefer. We’ll provide you a quote in minutes.