Car Insurance – Ontario
Your car is what you trust to get you to important events, appointments, and it gives you the independence to go where you want, when you want. It’s more than just a car – it’s a symbol of your freedom.
Protect your car and the people in it with a comprehensive car insurance policy in Ontario. With many options to choose from, we’ll help you find the coverage you need for a price you’ll love.
As your local insurance experts, we know that drivers in Ontario have unique needs depending on their lifestyle. From those who commute to downtown Toronto every day to those who spend most of their drive on rural sideroads, we’ve got you covered. Get started today to start comparing Ontario car insurance quotes.
Car insurance in Ontario, explained
Car insurance in Ontario is required to legally drive in the province. Provided through private companies, drivers have many options when it comes to shopping for the lowest-priced car insurance in Ontario – which can be a good thing if you know what type of protection you’re looking for.
Whether you’re shopping for online car insurance in Ontario or visit one of our branches, we’ll help find the right policy for you.
This coverage protects you financially if you’re responsible for damages or injury to another person or their property. This can include the cost of covering damage you may cause to the property of others, the cost of medical care, legal fees, and settlement costs. The minimum you’re required to be covered for is $200,000, but this can be increased to up to $2 million with most providers.
Part of every car insurance policy in Ontario, Accident Benefits coverage offers protection if you or someone else has been injured in a collision. This coverage can extend to any drivers, passengers, or bystanders involved in the incident. Offering coverage for medical care and rehab, income replacement, death and funeral expenses, and more, this is an important part of your car insurance policy.
If your car’s been damaged in a collision or accident with another vehicle where you’re not at fault, you can file a claim directly with your own insurer for repairs to your vehicle and other property damaged in the accident. This covers damages excluding injuries. While this coverage is highly recommended for drivers in Ontario, drivers are able to opt out.
This part of your policy offers protection if you’ve been involved in an accident with an uninsured or underinsured driver. Be covered for injuries and damages to yourself and your vehicle.
Often mistaken as being part of your standard car insurance in Ontario, Collision is an optional coverage you can add for extra peace of mind. It’ll cover instances where your vehicle has been damaged in an accident with another vehicle, and you’re at fault.
This coverage protects against damage or loss caused by events like fire, theft, and falling objects – basically, damage caused by things other than a collision.
If you’re unable to use your car because of an insured loss or damage, this provides coverage for transportation replacement or a rental vehicle.
This coverage extends protection to your family if the at-fault driver’s coverage isn’t enough. In the event of injury or even death with an underinsured, uninsured, or unidentified driver, Family Protection will cover you up to your maximum liability coverage.
Offered by many insurance companies in Ontario, Ticket and Accident Forgiveness are optional coverages you can add to avoid having your premium go up after your first conviction or at-fault accident.
How much is car insurance in Ontario?
Your car insurance rate in Ontario depends on where you live, the type of car you drive, and more.
What factors determine the cost of car insurance in Ontario?
The type of car you drive will impact your premium, depending on factors including its safety rating and the general cost of repairs. The likelihood of it being involved in a collision or theft will also impact how much you pay for car insurance.
Drivers with years of experience will typically pay less for car insurance in Ontario. Insurance companies are also permitted to take gender into account – female drivers are usually granted a lower rate, as males are statistically more likely to be involved in fatal collisions.
Convictions like speeding tickets, at-fault collisions, and other driving infractions will impact how much you pay for car insurance in Ontario. Parking tickets aren’t taken into consideration.
Car insurance rates in Ontario can vary depending on where you live. Whether you’re in a neighbourhood that’s deemed high-risk for incidents, out in the country where driving longer distances is more common, or downtown Toronto where there are more cars on the road, where you’re driving the most will affect how much you pay for car insurance in Ontario.
Your daily commute will be factored into your car insurance rate in Ontario. The more you’re on the road, the more at-risk you’ll be of being involved in a collision.
If there are drivers in your home without their own car insurance policy, you’ll need to add them to yours. This can impact how much you pay for car insurance in Ontario.
How to save on car insurance in Ontario
Looking for cheap car insurance in Ontario? There are a few ways to save on insurance without sacrificing the protection you need. First, review your coverages and limits with your broker. Optimizing your coverage to ensure it fits your needs and lifestyle is a great way to cut costs and avoid paying for protection you may not want or need.
Raising your deductible is another way to reduce your car insurance rate in Ontario. A higher deductible means you’d be paying more out of pocket in the event of a claim but could help you save on your monthly cost of insurance.
Take advantage of the discounts offered by your provider – many insurance companies in Ontario offer a selection of discounts you may be eligible for.
Finally, inquire about telematics or tracking programs. Providers will sometimes offer a percentage off your insurance if you allow them to assess your driving habits using a telematics app or device in your car.
Discounts on Ontario car insurance
Lower your car insurance rate in Ontario when you equip your vehicle with winter tires during the cold months.
Insure your home or other vehicles with the same provider for extra savings.
Customers 65+ can save more on car insurance.
Enjoy a loyalty discount when you stay with your insurance provider for multiple consecutive years.
Get rewarded for having a good car insurance claims history.
Save more on your car insurance when you’ve completed a recognized driver training program.
Why choose Westland for your Ontario car insurance needs?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to provide personalized car insurance coverage in Ontario to suit your lifestyle.
Our large network of insurers means more choice
We have a large network of insurers that we can tap into - guaranteeing great car insurance rates in Ontario - so you know you’re not missing out.
We work hard to make things simple
Whether it comes to finding the right car insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Example of a car insurance claim
You’re driving to dinner with your family in the car when you hit the brakes a little too late and rear-end the car in front of you. What now?
Once you file a claim, your car insurance will spring into action with different parts of your policy stepping in to help:
Direct Compensation
Your bumper’s been dented by the collision. Direct Compensation will help get it repaired as soon as possible.
Accident Benefits
The driver of the other car and your passengers are experiencing whiplash after the incident. They’ll be able to get the medical care they need with coverage from Accident Benefits.
Accident Forgiveness
This was your first at-fault collision – but you won’t have to worry about it impacting your premium at renewal since you’ve added Accident Forgiveness to your policy.
Connect with us
Our expert advisors are waiting to help you find the perfect car insurance.
Find a branch
Come in and speak to an advisor to get a customized policy made just for you.
Request a quote
Start an online quote at your convenience, and we’ll help you select a plan that works for you.
Types of vehicle insurance in Ontario
Motorcycle insurance
Offers coverage you need to drive a motorcycle, moped, or scooter on public roadways with peace of mind.
Off-road vehicle insurance
Best suited for those with a taste for adventure, get an off-road vehicle insurance policy for your snowmobile or all-terrain vehicle.
Rental auto insurance
A more cost-effective alternative to getting insurance through the rental company, while still getting the protection you need.
RV insurance
With similar coverages to auto insurance, RV insurance policies also address the unique features of having a home on wheels.
Commercial auto insurance
Whether you have one commercial vehicle or a fleet, we have the commercial auto policy you need.
Buy car insurance in Ontario with confidence
Whether you're ready to buy a new car insurance policy in Ontario or just want to shop around for rates, our advisors are ready to help. Contact us today to get started!
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