Skip to content

Ontario Auto Insurance

Get a Quote

Ontario Auto Insurance

Get a Quote

Car & Auto Insurance Ontario

At Sharp Insurance, we use technology and our industry knowledge to make car 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 quotes from a number of the best Ontario car insurance companies. Our Car insurance 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!

Get a Quote

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 car insurance 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 $1,655 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 a Quote

What’s Covered by Car Insurance in Ontario?

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

Mandatory Auto Insurance 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  Auto Insurance 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 car 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 Car 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 car insurance in Ontario as a high-risk driver and offer advice on how to lower your rates.


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.


Read More:

Do you know about Car-Sharing Insurance?

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.


Do you need Insurance for Classic Cars 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.

How much does auto insurance cost in Ontario?

If you drive a car in Ontario, you’ll pay, on average, [$1,655 ].

However, there are many factors that determine the cost of your vehicle insurance:


  • Your driving record
    • The number 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 you drive your vehicle
  • If you commute and if so, how far
  • 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.


How Can I Get Cheap Auto 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.


Working with the Best Auto Insurance Brokers in Ontario

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.

If you reside in Alberta, you may find it worthwhile to explore further our car insurance coverage options available in the following areas:


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.