Cheap Ontario Car Insurance

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Cheapest Ontario Car Insurance Premiums

Why isure gives you the best car insurance rates

As Ontario’s leading car insurance broker, isure provides quality coverage and the lowest Ontario car insurance rates, as well as convenient, personalized service. Whether you’re a preferred, standard, or
high-risk auto insurance client, we’ll be there to help you save premiums along the way by comparing car insurance rates across Ontario.

Our Ontario car insurance brokers provide you fast, friendly and cheaper insurance on your car. We want to ensure that you aren’t surprised by the fine print in your policies or a short-term discount only used to win your business. If your auto insurer tries that, we will look into another insurer for you!

Let us do the shopping to find you the best Ontario auto insurance rates and coverage in marketplace!
We compare the largest selection of isure-approved insurer in the market.

isure Auto Insurance means:

Control Over Your Policy

Register your policy, and you’ll be able to manage, change and update it, quickly and efficiently.

Personalized Attention

Your personal, dedicated and online isure broker is there when you need them. We’re a phone call, live chat, or email away from helping you. We’ll even call pre-emptively when disaster strikes your neighborhoods!

Insight and Attention

Let us do the shopping for you so that we can find the best car insurance rates and coverage that the market has to offer! We compare over 25 of the largest certified insurers, making them compete on rates so you can receive the auto policy you want at the best price.


Between all our isure approved insurers, we boast one on the longest list of auto and car insurance discounts of any broker online, and our competitive bidding saves you money with no sacrifice on coverage. We’ll also tell you how to reduce your premiums by taking safeguards.

Responsive Claims

No problem. Claims response is open 24 hours a day, 7 days a week to get your claim started immediately!

Guilt-free Quoting Process

We will shop your car’s insurance rates across the widest set of Ontario Auto insurers with the coverage you deserve.

Get the leading Ontario insurance policies with the best personalized options you deserve.


Are you required to have car insurance in Ontario?

If you drive a vehicle in Ontario, it is the law to have car insurance. Each province will require a certain minimum amount and may require specific additional coverage.

Do I need to insure my car?

The answer is YES! It’s the law. You can be fined up to $5,000 and have your license suspended for driving without insurance. We know that legal stuff isn’t fun, but it’s essential. Car accidents happen, and if you’re involved in one, you can get stuck with an expensive bill for repairs. If someone else is at-fault, having car insurance protects you from paying those costs out-of-pocket. 

Contact a car insurance broker like isure today.

What affects my rate(s)?

Every driver needs auto insurance; however, rates will vary from person to person. There are several factors that will affect your rate, and the insurance company will also consider several details as any risks to determine your personal insurance profile. 

It is the combination of these factors that will ultimately determine the rate you receive, and the following are the factors that will affect this aspect: 

Your personal information 

Everything from the type of vehicle you drive to where you live will be considered, as will your driving record, age, gender, and marital status. The make and model of your car will be factored in, and any previous accidents, the length of time you’ve been licensed, and any speeding tickets will also be considered. Additionally, those with a good driving record will most likely receive a lower premium. If you live in an urban area, your auto insurance rates will be higher as there is more risk of accidents and car theft in these areas. Insurance companies find that mature drivers have fewer accidents than younger drivers, so premiums will generally drop after the age of 25. 

The amount you drive 

Your insurance company may also consider whether you commute to work or school because rates are calculated based on the number of kilometres you drive. The more you drive, the higher your rate may be. 

The amount of coverage you purchase 

There is a certain amount of coverage that is mandatory however, you can buy additional protection, which would increase your rate. Increasing your thirdparty liability protection or your standard accident benefits coverage and/or purchasing comprehensive coverage to protect against theft are all examples of additional coverage that could increase your rates. 

The deductible you select 

This is the portion you will have to pay if you ever make an auto insurance claim. Insurance companies often offer separate deductibles for collision, comprehensive, all-perils, specific perils, and direct compensation-property damage coverages. The lower your deductible, the higher your premiums will be, and the higher your deductible, the lower your premiums will be. 

Your insurance company 

You must do your research because auto insurance premiums can vary from one company to another. That’s where isure steps in to shop the rates for you! Statistics will always be used to determine the financial costs of risk and uncertainty, and your personal profile will make a difference. However, you will still find that rates will vary from one insurance company to the next. Contact an auto insurance broker to help you find the company with the best rates.

How does where you live affect your car insurance premium?

Premiums are lower in rural areas because there are fewer risks of accidents than in urban environments. If you live in a city, you’re more likely to have an accident and pay more for insurance. So it might be worth your while to check out the rates in the surrounding towns. 

Location matters because it’s an integral part of your risk profile. It includes factors, such as: 

  • Traffic congestion and accident likelihood 
  • Severity of local weather and the cost of damage caused by storms 
  • Crime rates—auto theft and vandalism 

You may not be able to change your location, but you can learn how different areas around you can affect insurance prices for others. 

How much does car insurance cost in Ontario?

As mentioned above, there are many factors that go into the price of car insurance in Ontario. Your quote can fluctuate depending on whether you require high-risk insurance, if you live in a city or, as an example, you can receive a lower quote if you practice safe driving and/or you bundle your policy. Gotelematics is also an option for great drivers as it tracks how you drive (speed, braking, cornering, etc.) to determine your rate.

Why should I choose an insurance broker?

Car insurance quotes are always changing in Ontario. Going through every insurance company by yourself can be time-consuming and stressful. When you work with an isure insurance brokerage, you will be able to easily compare quotes from our 25+ isureapproved insurers. We will also help you choose the best policy for your needs.

How much does a car insurance quote cost?

Absolutely free! It is also very easy to get a car insurance quote in Ontario. Get started now by clicking here.

How can you get the cheapest auto insurance premiums?

The cost of car insurance is a significant concern for many consumers. Car insurance is a necessary purchase, but it doesn’t have to cost an arm and a leg. There are lots of ways that you can make your coverage more affordable. Here are some things that you can do to pay less for car insurance: 

Shop around 

Not all auto insurers are alike, and there are significant differences in their prices. Consider having isure speak with several providers before choosing a policy. 

Raise your deductible 

Your deductible is the amount you agree to pay out-of-pocket before your insurer pays anything toward a claim. Raising your deductible may mean higher out-of-pocket costs when you need to make a claim, but it will reduce what you pay each month. 

Drop unnecessary coverage 

If you drive an older car or one with high mileage, consider dropping collision and/or comprehensive coverage from your policy. These coverages only apply when you cause damage to your vehicle. They aren’t worth as much as they cost if your car is old or isn’t worth very much money. 


What is No-Fault Car Insurance?

Contrary to popular belief, no-fault insurance does not mean that you can never be found at-fault for a car accident. Instead, it refers to how your insurance company will pay out your insurance claim. For a traditional auto insurance system, the at-fault driver’s insurance company will be responsible for issuing payment for damage to both vehicles that are involved in the crash. But under a no-fault insurance policy, this is not the case. 

How does a no-fault insurance policy work? 

Under a no-fault auto insurance policy, the parties involved in the collision will both file and settle claims using their respective insurance companies, regardless of who was at-fault for the collision. 

One of the most important terms found in a no-fault policy is direct compensation property damage or DCPD. Many people misunderstand DCPD and believe that it is a no-fault system, however, DPCD is not a no-fault. You may only claim against the DCPD section of your property to the extent that you are not at-fault. 

To put it in simpler terms, DCPD will be the part of your insurance policy that covers damage to your vehicle when you are found not at-fault for a collision. If you are found at-fault, the damage will only be covered if you also have collision coverage or all-perils coverage. 

In this scenario, you will still need to pay your collision deductible. But your insurance company will not need to pay for the damage that was caused to the other driver’s vehicle. When you are under a no-fault policy, you will receive full medical and rehabilitation benefits through your own insurance company. You may also be entitled to an income replacement benefit as well as others, but this will depend on how serious your injuries are. This model eliminates financial compensation for pain and suffering. 

One major perk of driving with a no-fault policy is that your claim will usually get resolved quickly, which means you will receive compensation sooner. And, you won’t need to worry about dealing with both insurance companies, just your own. It will help to simplify the claims process for you! 

Which specific Canadian provinces operate under a no-fault system? 

There are currently only six provinces operating under a no-fault insurance system: 

  • Ontario 
  • Nova Scotia 
  • New Brunswick 
  • Quebec 
  • Prince Edward Island 
  • British Columbia 

Drivers located in Saskatchewan will have the choice to opt-out of the province’s own no-fault insurance policy, and pick coverage under the tort system instead. This will allow them to sue for pain and suffering with a $5000 deductible.  


What is the claim process after a car accident?

If you are ever involved in a car accident, you will have to go through a claims process, and understanding the steps that are involved will ensure you get the best possible outcome for your particular situation. Here at isure, we will help you get through this process as efficiently and easily as possible, aiming to provide you with all the necessary information you’ll need. 

We care about our clients and offer them the protection they need. We highly recommend that you take the time to review your policy with us because knowing your rights, coverages and responsibilities will help guide you in the right direction. You have to file a report with isure within one week of the accident occurring so that your claim can be honoured. Simply put, you will have to provide your policy number, accident details and the make, model, year and licence plate number of your vehicle that was involved. You will also have to include the time, date and location of the accident, along with the number of passengers involved and the extent of any injuries. 

Once you report the accident, we will then determine fault. It’s important to note that it’s possible for this aspect to be shared between several parties involved in the accident. If you are found at-fault, this information will be recorded on your insurance record, and there’s a high likelihood that your premium will increase whenever you renew your policy. If you disagree with our assessment of the situation, we will gladly provide you with more details so that you understand how we came to this conclusion. 

In terms of compensation for a damaged vehicle, this will depend on the extent to which you are at-fault for the damage, and you will be compensated according to this information. The type of insurance coverage you have will also affect the amount you receive. 

If any of this information feels overwhelming or if you have any questions regarding our claims process, do not hesitate to reach out to isure for more details.  

How do different traffic tickets affect auto insurance?

Traffic tickets will affect your auto insurance rates, although the outcome of each case will be different, based on the type of ticket you receive. 

Traffic tickets are divided into three categories:  

  • Minor 
  • Major 
  • Serious convictions 

Each of these can affect your policy and your rate, regardless of the number of demerit points or the severity of the fine that is associated with your infraction. However, the way in which your insurance is affected will be based on the type of conviction. 

Driving uninsured, failing to remain at an accident, racing or a DUI are all examples of serious convictions. In contrast, distracted driving, improper passing of a school bus and failure to report an accident are examples of a major conviction. Backing up unsafely or illegally opening your door would be considered minor convictions, so it’s important that you understand the distinct types of tickets. 

In addition to demerit points, driving under the influence can include criminal charges, jail time and a license suspension. Distracted driving would also result in large fines, as well as several demerit points. If you get caught driving without insurance, it would be difficult and expensive to get insurance in the future. Another example of a serious offence that would automatically increase your insurance rate is speeding. 

Every insurance company has their own policies regarding how they charge for driving convictions, and the potential impact of your conviction can be minor or severe. A percentage system is used, and serious or criminal convictions will cause you to be charged 100% more for each conviction, whereas major convictions will cause you to be charged 25% more for each conviction. One minor conviction may not have an impact on your insurance, whereas two or more minor convictions will result in charging you 20% more. 

If you are wondering whether parking tickets impact insurance, you will be happy to know that they do not. However, it is important that you pay these parking tickets on time, otherwise, you will not be allowed to renew your license plate when it is time for renewal. 

Speeding tickets are also quite common, which can impact your car insurance. Its effect will depend on the severity of the speeding ticket and how fast you were going over the speed limit. If you have several speeding tickets, this will also negatively affect your insurance. Your first minor speeding ticket may not have as much of an impact on your insurance as say, a third speeding ticket. 

How are car insurance premiums calculated?

Your car insurance premium is calculated based primarily on the likelihood of you filing a claim. The more likely you’ll file one, the more your premium will be. What makes you more likely to file a claim? Your age and driving record, the type of car you drive, where you live, and how much coverage you get are all factors.  

Types of Auto Insurance Coverage (Mandatory Coverage)

The different categories for Ontario auto insurance coverage plan include:  

Auto liability Insurance Coverage

Liability insurance

Auto Liability insurance covers damages caused to another person or vehicle in an accident, including medical bills, legal fees, lost income, and other expenses. 

Emergency Road Service Insurance Coverage icon

Emergency road service

Emergency road service will provide you with roadside assistance should your car break down, and would also cover the cost of getting your car back on the road. Mechanical labour, gas delivery, new batteries, tire changes, or tow are just some of the costs that would be covered. This is important because it would prevent you stress in the event of a breakdown. 

Comprehensive Insurance Coverage

Comprehensive insurance

Comprehensive insurance covers damages that are not the result of a car accident or collision. This would include extreme weather, falling objects, theft and vandalism as examples you would be protected from with this type of coverage.  

Collision Insurance Coverage

Collision insurance

Finally, collision insurance would cover damage to your car if you were to ever experience a vehicle rollover or a collision with another car or object. In the event that your car is totaled, this type of auto insurance coverage would pay for the costs associated with a replacement. 

isure Optional Coverages for Auto Insurance

Customize your Car Insurance plan to suit your unique needs and preferences with Optional Coverages.

Accident Forgiveness Optional Insurance Coverage icon

Accident Forgiveness

Mistakes can happen, even if you’re a good driver. That’s why many isure-approved insurers will forgive your first at-fault claim.

Possessions Saved Insurance Coverage Ontario

Your Possessions Saved

Bundle Your auto, home, renters, or condo insurance policies. It is a common myth that personal belongings in your car are covered by your car insurance, which is why you’ll need to buy property insurance in case of theft. Bundle these policies together and save up to 20% off!

Physical Damage To Car Optional Car Insurance Coverage icon

Physical Damage to Your Car

Consider collision coverage to protect your car from the dangers of the road. This includes collisions, theft, fire, falling objects, etc. You’ll need this coverage if you lease or finance your vehicle.

Third-Party Collision Optional Insurance Coverage icon

Third Party Automobile Liability

Pays when you’re legally liable for someone else’s bodily injury or property damage resulting from a car accident. Consider higher limits for better protection.

Accidents Benefits Optional Insurance Coverage

Accident Benefits Coverage

Pays certain medical costs for you and your family if injured from a car crash. Speak to us at 1-877-514-7873 about extra coverage that may be best for you and your loved ones.

Rental Car Insurance Coverage icon

Rental Car Coverage

Covers costs of renting a vehicle while your car is being repaired.

Speak to an Insurance Broker

Call us toll-free at 1-877-514-7873 and one of our car insurance brokers will search Ontario’s insurance marketplace for all the available insurance products and discounts, provide advice on the proper coverage and guide you step by step through the process.

Compare Car Insurance Quotes Online

To find the best Car insurance rates, compare insurance Quotes & Rates across Ontario. Get a quote.

Driving in Ontario

Driving in Ontario can be enjoyable if you are prepared and well-informed. Having the right car insurance policy is a must, and understanding the roads and regulations is equally important. 

Our insurance brokers here at isure can provide you with the best auto insurance policy for you. We provide all of our clients with detailed information and the best rates

We’ve also created the below guide about driving in Ontario to further help our clients with important information about driving in this province:

Requirements to drive in Ontario:

  • Individuals in Ontario must be at least 16-years-old and have a valid Ontario driver’s licence to drive in this province.


  • You must first pass your written test, or G1 licence. You’ll then need 12 months of experience on the road to obtain your G2, which is a probationary license. Following that, once you gain one year’s experience, you can apply for your G, which is a full licence.
  • Visitors to Ontario who want to drive must be at least 16-years-old and have a valid driver’s licence from their state, country or province. Anyone visiting Ontario for more than three months will need an International Driver’s Permit from their own country.
  • New residents with a valid driver’s licence from another province or country can use their licence for 60 days after their move to Ontario.
  • Once you become a permanent resident of Ontario, you will have to obtain an Ontario driver’s licence.

Major highways in Ontario

  • Highway 401 is the busiest highway, not just in Canada, but in all of North America. This highway runs through Toronto and has express and collector lanes. Depending on the time of day, this highway can become quite congested.
  • Along the south end of Toronto and through downtown lies the Gardiner Expressway. This highway provides drivers with direct access to downtown Toronto. This runs into the Don Valley Parkway, which can take drivers back to the 401.
  • Highway 427 connects the Gardiner Expressway to the 401, near Pearson International Airport. 
  • The 401 to the north, the 427 to the west, Don Valley Parkway to the east, and the Gardiner Expressway to the south, form a box around Toronto.

Collisions in Ontario by Month 2020

CAA’s Worst Roads in Ontario 2021

10 Most Popular Cars in Ontario

Car insurance is a must for every driver in Ontario. Here at isure, we will find you the cheapest possible rates for the coverage you need. 

The type of car you drive will impact the rate you receive, as some are more expensive to insure than others. Knowing this information will allow you to better understand the rates you get, so we’ve rounded up the most popular cars in Ontario to provide our clients with some clarity:

Volkswagen Golf

In addition to efficiency and an iconic design, you will enjoy affordable car insurance rates with this Volkswagen.

Nissan Sentra

Its inexpensive price tag and cool appearance have led this car to become one of the top-selling vehicles in Ontario.

Nissan Sentra

Its inexpensive price tag and cool appearance have led this car to become one of the top-selling vehicles in Ontario.

Mazda 3

This beautiful-looking car is slick, fun to drive and is perfect for buyers who want aesthetics, but have a small budget to work with.

Toyota Camry

This car is available in an extremely fuel-efficient, four-cylinder model. It has a powerful V6 and an eco-friendly hybrid, so there’s something for everyone. This is why it is one of the most popular cars in Ontario.

Volkswagen Jetta

This is a fun car with a spacious cabin and an updated infotainment system, so there is a lot to love!

Tesla Model 3

Those willing to pay a little more will love this Tesla model because it offers drivers the peace of mind of all-wheel drive. You will get 576 km per charge, and this specific Tesla can go from 0-100km/h in 3.3 seconds.

Kia Forte

The Forte will provide you with great fuel consumption and easy driving. You will enjoy its affordable price tag, which is why it’s no surprise that the Kia Forte is a bestseller.

Hyundai Elantra

This car is also quite affordable and features a touchscreen that will work with Apple CarPlay and Android Auto. The Sport model features a very strong 201 horsepower engine!

Toyota Corolla

Reliability, fuel economy, and resale value are guaranteed with a Toyota. You will have peace of mind driving it, as this is one of the safest cars you can get your hands on, explaining its popularity.

Honda Civic

With plenty of models and prices to choose from, the Honda Civic is one of Ontario’s best-selling cars and has remained one of the top sellers for several years.

Get an Ontario Car Insurance Quote Online

From our Clients


Ive had a great experience with isure. This is my 3rd time setting up a policy with them. I worked with Philip Su, and he was able to find me a new provider saving me about $2,000 a year. They do all the shopping around, paperwork, and set everything up including payments, it is very convenient. I always recommend them when someone mentions needing insurance.

Jason M - Brampton

March 2021


Sometimes finding the right vehicle insurance can be hard because there are so many options. This company will do their best to find a quote that you are happy with. They are easy to reach, I’ve never had a problem trying to get ahold of someone. I’ve enjoyed the conversations I’ve had with isure agents, they are very friendly and personable!

Samantha K -Brantford

May 2020


I was in search for a goood quality and professional, insurance company. And as my first time having insurance in my own name it was a good experience and I would recommend jevco insurance to everybody, they’re professional, easy to deal with, polite, and very responsive, without those qualities I wouldn’t have gotten my insurance quote verified as fast as they did, in less then 2 days. And I would like to thank Josh Rehboo he was polite, well communicated, and gave me the best support while getting connected to the right insurance.

Lucas Bettencourt -Woodbridge

November 2020


I have been with for a few years now and I finally had the opportunity to purchase a new vehicle when I called and spoke with Justin Tisdale to change my policy over he was extremely helpful he guided me in the right direction and suggested things that he thought would be helpful and they definitely were !! The customer service is incredible and I couldn’t recommend them more!!

Amanduhhanne - Oakville

October 2020


Amazing customer service and very professional. I talked to Joshua Rebboh who completed everything for me and even called me back to inform me that he got me a better deal and that the papers to sign have already been emailed. Highly recommend.

Melanie Lurz -Kitchener

September 2020


I’ve been with isure for quite a few years and their level of professionalism is outstanding, and the value of their services is above par. The human connection makes the difference; Justin Tisdale helped me out going above and beyond, all done with a simple phone call.

Sergio David Spadavecchia - Mississauga

September 2020



Angelo De Biasi - Concord

January 2021


I had the pleasure of speaking with Justin Tisdale this morning in review to my insurance policy. Justin was nothing but professional, knowledgeable and also very informative on my personal insurance policy and even took time to recommend other options to help me save in the future. Overall he made this task which can be quite confusing at times extremely simple and efficient for me and I would recommend anyone looking for an experienced and knowledgeable Customer Service rep to ask for him personally.

Brett Sexton - Toronto

November 2020


BILLY IS THE MAN! STOP LOOKING AROUND! He helped me out with my quotes, was very friendly, honest and I just all around had a great experience. Really, just give him a call, would recommend him to anyone! Thanks again

PCMX Pass - Keswick

November 2020


I am very impressed with the helpful, friendly and informative service Isure provides. I have dealt with Justin and Reagan and have had wonderful experiences with both of them. Not only did Reagan thoroughly explain the fine print of my policy, she also got me a refund owed to me! She was prompt, honest and reassuring.
Very refreshing dealing with great customer service!
Thank you!!

Ashley A - Toronto

December 2020


I recently switched insurance companies to isure and have to say it was a great move! They shopped the best rates for the coverage of my 3 vehicles and home insurance. Josh Rebboh was very thorough in explaining the quotes and going over the coverage in great detail.
I recently made a change to my policy and dealt with Mary Cannito who was also very friendly and helpful. I highly recommend isure insurance to friends and family. Keep up the great service!

Dave W - Peterborough

March 2021


I recently had to change my insurance policy and had the honor of working with Billy Kim. He was always professional and ensured that all of my needs and questions were being met and answered. He always responded quickly to my emails and went above and beyond to resolve all of my issues. I am very pleased with his service!

Erin Mayne - Oshawa

March 2021

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