Cheap Ontario Car Insurance

Fast, Easy, and Friendlier

Cheap Ontario Car Insurance

Fast, Easy, and Friendlier

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.

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.

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.

What factors affect Auto Insurance costs in Ontario?

Ontario drivers are required to have car insurance, and it is the law to have an active auto insurance policy before you get behind the wheel of your car. Residents in Ontario can rely on our brokers here at isure for car insurance, and we will do everything we can to provide you with the lowest rate possible. 

In addition to fair car insurance rates, we also take the time to discuss our client’s needs. We will provide you with a clear understanding of your rate and the factors we look at when calculating your auto insurance premium

Wondering what factors affect car insurance costs in Ontario? Here’s what you need to know:

The make and model of your vehicle

Not only will this information provide us with insight into the probability of you filing a claim, but it will also tell us how much your claim may cost. How? Because the value of your car will help us determine how much we will have to pay to repair or replace your vehicle. Additionally, specific makes and models are more likely to be stolen, which will also be factored into our calculation. Driving an expensive car, however, does not necessarily mean higher premiums because certain loss-prevention features will work in your favour. Anti-theft devices can make a difference and result in a lower car insurance rate.

Driving experience and insurance history

Drivers with a clean record will generally pay a lower premium. We will review your coverage history to look over any past driving convictions and collisions. We will also question any gaps in your insurance coverage to determine whether they resulted from non-payment or false policy information. Teenage drivers can be listed on their parent’s policy to build up their insurance history, and we recommend doing this as early as possible. 


Your age is considered an extension of your driving experience. However, this is viewed as an independent factor that can affect your car insurance rate. Drivers under 25 generally face higher auto premiums because they are considered inexperienced, and a 16-year-old who just got their licence will likely pay a higher rate. On the other hand, older drivers may see discounted rates because the older age category is linked to safer driving habits and many more years of driving experience. 

Postal code

Where you live in Ontario will affect your insurance rate. For example, drivers in Toronto and Mississauga will pay more because of traffic and a higher claims frequency.

Driving record

This information will help us understand your driving habits, and we will price your policy accordingly. If you have a lot of tickets, you will likely continue accumulating tickets, which will be viewed as a risk. If you have at-fault claims on your driving record, this too will be regarded as risky behaviour, and you will pay a higher rate as a result. 

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 does it mean to be at-fault in a car accident?

You’ll undoubtedly begin hearing the word “fault” a lot if you’re involved in a car crash. The other person may accuse you of being at-fault for the collision as soon as it occurs. Your isure broker will also be discussing it with you when making a claim. Fault counts if you are the cause of the accident. This means you’ll be responsible for other drivers’ expenditures (or, more accurately, your auto insurance company). We address your queries about being at-fault in an accident below. 

What does “at-fault” mean?

When you are “at-fault” for an automobile crash, you are basically to blame for the accident (in simple terms). Regarding car accident-related auto insurance claims and personal injury lawsuits, the at-fault driver is the negligent driver. You will be considered at-fault if you do something (or fail to do something) that causes an accident. Examples of driver negligence include:


How to prove who’s at-fault for car accidents

Car insurance inspectors (and attorneys if you end up in court) generally consider the traffic regulations, legal rules of the road, and other evidence when determining or disputing who is at-fault after an automobile crash occurs. Examples of this evidence include:

  • The other driver’s confirmation
  • Eyewitness testimony from spectators
  • A police report made at the accident site
  • Videos and images of the accident scene
  • Road debris and skid marks
  • The extent and make of the automobiles damaged

If I am at-fault, how will my insurance be affected?

Losses brought on by an automobile accident are intended to be covered by your auto insurance policy. However, the specifics of what is covered varies, depending on your policy choice and the province in which you reside.

Your liability insurance will pay for the injured party’s medical expenses associated with their automobile crash injuries, economic damage (lost salary, reduced income potential), and “physical deterioration.” This includes bodily pain up to the limit values of your insurance plan if you are found to be at-fault for the collision.

Most provinces require liability insurance (or some form of financial responsibility evidence). Your accident insurance will typically pay for your damage, but to what extent depends on your coverage.

How to get reimbursement in at-fault accidents

The car insurance provider of the at-fault driver will be informed of the necessary payments for their at-fault driver after a claim is submitted. The other driver’s insurers may consent to pay out a one-time fee, and you’d have to agree to waive any subsequent claims.

If you successfully present your case in a lawsuit alleging an injury, you may be awarded the proper amount of damages by the court.

After filing a lawsuit, the issue is resolved in several cases before it goes to trial. A skilled vehicle accident attorney can assist you in negotiations or take your case to court if necessary to obtain the money you are entitled to.

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 isure car insurance broker

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 isure

Compare Car Insurance Quotes Online

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

How insurance works in Ontario

In Ontario, the FSRA (Financial Services Regulatory Authority of Ontario) outlines stringent regulations governing auto insurance coverage from private insurance companies. Businesses must adhere to a uniform auto policy set forth by the regional government. Responsibility, disaster benefits, uninsured motorist protection, and DCPD (Direct Compensation For Property Damage) are always included. Collision, comprehensive, and other endorsements are also available. The Ontario winter tire discount is a good perk in terms of financial savings!

Ontario was one of the initial provinces to authorize consumer insurance coverage, often known as ‘compensation insurance’. If you drive less, UBI (Usage-Based Insurance) or “Telematics” may enable you to lower your auto insurance expenses. Additionally, it acknowledges your abilities as a driver. However, a recent revision to the Ontario UBI regulations implies that reckless driving is also punishable. If you are outside of Ontario for longer than six months with your car, you will have to set up a separate insurance policy, no matter the reason.


Ontario Car Insurance Vs Other Provinces

The way that various jurisdictions provide insurance coverage to their drivers is just one of the many variables that affect auto insurance costs across Canada. The nation is home to both publicly and privately-managed auto insurance programs.

For instance, Saskatchewan, Manitoba, and British Columbia depend on a provincially-managed range, whereas most of the nation relies on private insurance coverage provided by various independent insurance providers.

Because rates are driven down by market competition, private car insurance rates have generally become the most economical alternative in Canada. Let’s take a detailed look below.

Car insurance in Quebec vs. Ontario

Of all Canadian provinces, Quebec has the cheapest insurance prices. The rate of increase is slower in comparison to Ontario because the province’s insurance laws are less stringent than those in other provinces. In Quebec, combining private and public insurance enables additional coverage to standard insurance plans. Accident liability is restricted by the no-fault system, which also lowers the overall cost of insurance.

Car insurance in Prince Edward Island vs. Ontario

Private car insurance is the primary source of coverage in Prince Edward Island, keeping costs low for extended periods. Additionally, PEI has one of the lowest collision rates in the country, especially compared to Ontario—meaning there are fewer claims to settle. One of Canada’s most influential, privatized auto insurance programs is found in PEI. Due to competition and declining annual auto insurance claims, rates are still low.

Car insurance in British Columbia vs. Ontario

The state of British Columbia has the highest median insurance premiums. Since a crown business manages its insurance, there is no way to compare prices and save money. Although BC has a break-even profit scheme, operational expenses sometimes exceed revenues. The Insurance Group of British Columbia lowered prices by about 20% in the spring of 2021.

Car insurance in Newfoundland and Labrador vs. Ontario

Despite having a relatively-modest population, Newfoundland and Labrador have witnessed some of the most effective car insurance rate increases nationwide. This is so that you can prosecute an at-fault motorist for damages, lost pay, and other penalties in this province’s “tort” process. A surge in insurance claims and transportation lawsuits is mostly to blame for rising rates. Rates are reasonable since Newfoundland and Labrador solely provide private coverage options.

Suppose you are looking for the best insurance policies in Ontario or looking forward to joining hands with reliable insurance brokers; that’s where isure steps in. Contact our knowledgeable insurance brokers today to help you find the best rates and coverage for your specific insurance needs. We work with the top companies and can “shop” on your behalf to obtain the best premiums and coverages for your peace of mind.

Car Insurance in Manitoba vs Ontario

Ontario Car Insurance

The most populous of all the provinces, Ontario is the second most expensive province when it comes to car insurance. Drivers should not expect cheap rates compared to what drivers in Manitoba will pay. Rampant fraud, population density, traffic congestion, accident rates and the frequency of claims are just some of the reasons why Ontario drivers have to pay such expensive auto insurance rates.

In Ontario, drivers are required to have a minimum of $200,000 in third-party liability coverage along with accident benefits coverage, direct compensation property damage coverage and uninsured automobile coverage

Manitoba Auto Insurance

Drivers in Manitoba can expect to pay less for car insurance than drivers in Ontario. However, this province has a crown corporation issuing car insurance, which means negotiating and shopping around for quotes will not work. Unfortunately, there’s not much drivers in Manitoba can do if they’re unhappy with their car insurance rate. However, you can work on lowering this amount by focusing on the factors within your control. For example, you can bundle your car and home insurance, which will likely result in a discounted rate. 

Ontario Car Insurance vs. Alberta Car Insurance

Every driver needs car insurance, and our team here at isure will help you find the best auto insurance policy for your specific needs. The province you live in will affect the type of car insurance you require. The following guide will compare car insurance information for drivers in both Ontario and Alberta. 

Insurance coverage

Each province has a different mandatory minimum insurance coverage requirement. In Alberta, drivers must have a minimum of $200,000 in third-party liability coverage. In contrast, drivers in Ontario need to have a minimum of $200,000 in third-party liability coverage AND accident benefits coverage, direct compensation property damage coverage and uninsured automobile coverage


Car insurance premiums tend to be lower in Alberta because of factors like population density, accident rates and the cost of repairs. Drivers in Ontario should typically expect to pay more. 

The car insurance brokers at isure will assess your needs, your driving record and your circumstances to discuss the policy that will be best for your specific situation. The cost of auto insurance will vary depending on the province, although we will suggest any potential savings and discounts directly to you, our clients. We will review the specifics of your policy and discuss all of the options available to you. This will, in turn, help us find you the best rate possible. 

We provide our clients with honest information. Ontario car insurance rates are among the highest in Canada. Auto insurance in Alberta is generally cheaper, and traffic congestion contributes to this difference in rates, as does the frequency of claims. Other factors, however, will also affect your car insurance rate, including your age, driving record and the make and model of your vehicle. 

Car insurance rates may be cheaper in Alberta than in Ontario, but the specifics of your coverage and the rate you receive will vary depending on your unique circumstances. We discuss every detail to ensure you have a clear understanding of your rate and how it was calculated. 

Minimum Requirements in Ontario

In Ontario, the minimum required car insurance coverage includes:

1. Third-Party Liability Coverage

This coverage will protect Ontario drivers if they are responsible for causing injury or damage to another person or their property while driving. The minimum coverage required by law in this province is $200,000.

2. Accident Benefits Coverage

AB coverage will provide both you and your passengers with benefits, regardless of who is at-fault. This coverage includes medical expenses, rehabilitation costs and loss of income. 

3. Direct Compensation/Property Damage Coverage

DCPD coverage will protect you if you are involved in an accident with another driver who is at-fault with inadequate coverage or is uninsured.

Minimum requirements in Alberta

In Alberta, the minimum requirement for car insurance coverage includes the following:

1. Third-Party Liability Coverage

This will protect Alberta drivers if they are responsible for causing injury or damage to another person or their property while driving. The minimum coverage required by law in this province is $200,000.

2. Accident Benefits Coverage

This will benefit you and your passengers if you get into a car accident, regardless of who is at-fault. This coverage includes medical expenses, rehabilitation costs and loss of income. 

3. Uninsured Automobile Coverage

You are protected with this coverage if you are involved in an accident with an uninsured or under-insured driver. 

Our isure brokers are always ready to help, and you can contact us anytime for more information regarding car insurance in Ontario.

Give us a call today at 1-877-514-7873 to discuss your auto insurance needs!

Ontario Car Insurance vs. Saskatchewan Car Insurance

Car insurance is required by law for every driver in Canada. However, the province you live in will dictate your auto insurance coverage requirements. 

Here at isure, we will help you find the best insurance policy rates for your needs, and our brokers will do everything they can to provide you with the lowest rates possible. We are happy to discuss your unique needs and circumstances to help you find the best policy. We want our clients to have a detailed understanding of their car insurance policy, including the requirements their province has in place. This guide will highlight key information specific to drivers in both Ontario and Saskatchewan. 

Mandatory car insurance requirements in Ontario:

1. Third-Party Liability

Third-Party Liability coverage will protect you if you are responsible for causing injury or damage to another person or their property while driving. In Ontario, the minimum coverage amount required by law is $200,000.

2. Accident Benefits Coverage

This coverage will benefit you and your passengers if involved in a car accident, which will apply, regardless of who was at-fault. Medical expenses, rehabilitation costs and loss of income will be included in this coverage. 

3. Direct Compensation/Property Damage Coverage

If you are involved in an accident with another driver who is at-fault and their insurance is inadequate or uninsured, you will be protected due to this type of coverage.

Mandatory car insurance requirements in Saskatchewan:

1. Third-Party Liability

This will protect you in the event that you injure someone or damage someone else’s property. All drivers in the province are required to carry third-party liability insurance of up to $200,000. 

2. Accident Benefits

This portion of your coverage will pay for injuries due to a traffic accident, similar to Ontario.

3. Uninsured Automobile

If the other driver is at-fault but has no insurance, this portion of your policy will cover your repair costs. 

Drivers in Saskatchewan will generally pay less for car insurance than drivers in Ontario. However, the province operates on a provincially-run auto insurance agency, which means drivers must pay what the Saskatchewan Government Insurance mandates. 

Car insurance brokers you can trust

Are you in need of car insurance? Do you want the best rates possible? It’s time to contact our brokers here at isure! Our team consists of knowledgeable and professional car insurance brokers who are passionate about helping clients. We will calculate your car insurance rate and discuss details specific to your case, based on your needs.

Contact us today for all of your auto insurance needs! Speak with an isure broker today: 1-877-514-7873.

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 2021

CAA’s Worst Roads in Ontario 2022

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. Learn more about car insurance for electric vehicles.

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 a Cheap Ontario Car Insurance Quote Online

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Car warranties: Everything you need to know
Car warranties: Everything you need to know

Car warranties: Everything you need to know

Understanding the particulars of your car warranty can be a difficult and frustrating experience for any car owner. Learning the differences between the different types of car warranties, such as factory versus extended, is another layer of difficulty altogether. Despite the challenge, however, knowing these crucial differences is a must if you want to get the best coverage for your vehicle, old or new. If you are going car shopping, don’t overlook the warranty. In this article, we will cover different types of car warranties and how they differ from car insurance.

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