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Cheapest car insurance in ontario for new drivers

Compare Car Insurance Quotes in Ontario to Get the Cheapest Rate

When it comes to auto insurance, especially auto insurance in Ontario, many people question whether or not there’s really a way to save money on it. There is. In truth, there are many ways to save but none more effective than shopping around. How can we be so sure? Well, on average, InsuranceHotline.com shoppers save $700* after comparing car insurance quotes with us. And, all it takes is a few minutes to compare quotes from our network of over 30 insurance providers.

How can InsuranceHotline.com help me save on my car insurance?

Saving money on your Ontario car insurance is as simple as 1, 2, 3.

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1. Tell us about yourself

We’ll need to know about your vehicle and driving experience.

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2. Compare your rates

Compare quotes from more than 30 insurance providers.

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3. Save money

Choose from your list of great rates. It pays to shop around.

Why use InsuranceHotline.com to compare car insurance quotes online?

The reasons to compare quotes are plenty:

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Save money

On average, shoppers save $700 after comparing car insurance quotes with us.

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Save time

All it takes is a few minutes to compare quotes from our network of over 30 insurers.

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How much is car insurance in Ontario? How much will it cost me?

The cost of car insurance in Ontario varies significantly, and the best way to determine how much car insurance will cost you is to compare rates. Every driver’s situation is unique, and by comparing quotes tailored specifically for you, you’ll not only see how much it will cost you to insure your car but you’ll also see how much you can save!

Savings: $894
Driver: 28 Female and 29 Male
From: Ajax, Ontario
Driving: 2012 Toyota Corolla

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Savings: $692
Driver: 47 Female
From: Toronto, Ontario
Driving: 2007 Jeep Patriot

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Savings: $483
Driver: 29 Female
From: Guelph, Ontario
Driving: 2010 Nissan Versa

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Savings: $464
Driver: 57 Male
From: Thornhill, Ontario
Driving: 2017 Toyota RAV4

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Savings: $853
Driver: 26 Male
From: Mississauga, Ontario
Driving: 2014 Honda Accord

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What do I need to get a car insurance quote?

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Most of what you’ll need to get a quote, you’ll know off the top of your head. For example, the make, model and year of the vehicle you drive. Additional information you’ll be asked about includes:

  • The type of licence you hold and how long you’ve had it
  • How long you’ve been insured
  • Any tickets or accidents you may have on your driving or insurance history

If you don’t know exact dates or details, your best estimate will do initially. But remember, the rates are only as accurate as the details you provide, so if any information changes, your rate may change too.

What can I do to get cheaper car insurance?

There’s a lot you can do to ensure that you’re getting the best price for your auto insurance.

Shop around

Rates often change. In Ontario, rate changes are approved every 3 months. Sometimes a few insurers change their rates, but other times dozens do.

Increase your deductibles

Save five to 10 per cent by increasing your deductibles to $1,000 if they’re currently sitting at $500.

Pay your premiums all at once

Pay your premiums annually, instead of monthly, to avoid administrative fees that often come with monthly payments.

Bundle your policies

Save five to 15 per cent when you buy your home insurance from the same company that covers your car.

Insure all vehicles, together

If you have more than one set of wheels, save up to 10 to 20 per cent by insuring them on the same policy.

Change your tires seasonally

In Ontario, if you have—and install—winter tires, you will qualify for a discount of up to five per cent.

Review your policy annually

Each year, review your optional coverages. If they’re no longer needed, this is one way to shave off some costs.

Ask about discounts

There are oodles of discounts. Ask your provider about the ones they offer. You never know what you might find.

School’s cool

Encourage young drivers to take driver’s training. The insurance savings typically offsets the cost of the course, in the first year.

How does getting auto insurance in Ontario work?

No matter where you are in Canada, if you plan to drive you must have auto insurance. But, while this law is consistent coast-to-coast, how you get the coverage you need is not. In Ontario, drivers must purchase coverage from a private insurance company (the same is true in Alberta, New Brunswick, Prince Edward Island, Nova Scotia, and Newfoundland and Labrador). The Quebec auto insurance model is a bit different; some components of a Quebec driver’s coverage are rolled into their driver’s licence and vehicle registration fees, while other components must be purchased from a private insurer. In British Columbia, Saskatchewan and Manitoba, coverage must be purchased through a government-run agency.

How does no fault insurance work in Ontario?

Ontario is a no-fault insurance province, and while this might sound like it means no one will be found at fault in the event of a collision, it really means something altogether different. What no-fault actually means is if you are injured in an accident or your vehicle is damaged, then you deal with your own insurance company when making a claim. By going through your own insurer, you get the financial help you need right away—whether it’s for injuries you sustained or for fixing your damaged vehicle—instead of waiting for your insurer and the other drivers’ insurers to decide who was to blame for the incident before paying out benefits.

What kind of insurance should I get? What will my policy cover?

Ontario’s standard auto insurance policy is made up of four mandatory components, however, there are optional coverages that you can add in too. The most popular optional coverages are collision and comprehensive; both will pay to fix your vehicle if damaged. Collision will pay for damages resulting from an accident, while comprehensive will pay for damages caused by things like hail, theft, or vandalism.

Every Ontario auto insurance policy includes the following various types of mandatory car insurance coverages:

Statutory Accident Benefits Direct Compensation-Property Damage Uninsured Automobile
Will pay for the outcome of a lawsuit against you in the event that you cause injury or death to, or damage the property of, a third party. These are benefits that will pay for things like medical treatments, income replacement and attendant care if you are injured in a car accident. Covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, if another person was at fault for the accident. Protects you and your family in the event of a hit-and-run or an uninsured motorist injuring you or causing your death.

What factors will affect my rate in Ontario?

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There are a lot of factors that go into what you pay for your car insurance coverage like where you live, the type of vehicle you drive, your driving and insurance history, as well as the coverage options you choose to include on your policy.

Why is car insurance so expensive in Ontario?

There is no doubt about it; Ontario car insurance is expensive. According to the Insurance Bureau of Canada (IBC), auto insurance rates in Ontario are 45 per cent higher than in Alberta, and about twice as high as the Maritime provinces. One of the main culprits often blamed for the high rates we pay is the prevalence of insurance fraud that drives up claims costs.

Which car insurance company in Ontario is the cheapest?

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There’s no one insurance company that offers everyone the best rates. Auto insurance premiums for the exact same coverage can vary substantially from one insurance company to another for a variety of reasons. It all depends on things like the insurer’s claims experience and how they rate you as a driver. To find the company that offers you the best rate and coverage, you’ll have to shop around and compare quotes.

Why do car insurance rates go up and down?

Auto insurance rates often change, and it usually boils down to the insurance company’s claims costs. When claims costs go up (or down), typically premiums will follow. There are other factors too, like the introduction of new discounts (e.g. winter tire discount) or when benefit coverages or options change, to name just a few recent examples.

Ontario auto insurance companies cannot increase, or decrease, their rates on a whim. The Financial Services Commission of Ontario (FSCO), a regulatory agency of the Ministry of Finance, must approve changes to auto insurance rates. Every three months, FSCO releases the rate changes they’ve approved, and while sometimes only a handful of insurers change their rate, other times many do.

“Consumers are urged to shop around for auto insurance,” says FSCO every quarter in its report. “Ontario has a very competitive marketplace.”

What happens when Ontario auto insurance rates change?

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Any time Ontario auto insurance rates change is an opportunity to save money on your premiums. Rates do not uniformly increase, or decrease, across the board. That’s why it’s important to compare rates regularly. Don’t wait until it’s time to renew to see if you could be saving money. Compare rates, at minimum on renewal, but also when your marital status changes, you move, or buy a new car.

Auto Insurance Quotes in Top Ontario Cities


Not from Ontario? Check out insurance quotes from other provinces:
New Brunswick

Get Ontario Car Insurance Quotes to Compare for a Better Rate and Coverage

Compare car insurance quotes today; it’s the best way to lower your car insurance rate and find a policy that fits your needs best.

*Based on quotes completed on InsuranceHotline.com from Jan 2015-Dec 2015. Average savings amount represents the difference between the consumers’ current premium entered in the quote and the lowest premium quotes on InsuranceHotline.com.


Kings County Car Insurance

Only 71 square miles, Kings County is the second most densely populated in the state after New York, with 2.6 million inhabitants, or an average of 37,137 people per square mile.

Kings County, New York is coextensive with Brooklyn, one of New York City's five "boroughs." Interestingly, nearly 40 percent of Brooklynites are foreign born. The Kings County-Brooklyn shoreline includes the historic and famous Coney Island amusement park. Among the most popular draws for visitors are Brooklyn Bridge and Park, Brooklyn Heights Promenade and Botanic Gardens.

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Queens County Car Insurance

Queens is both a borough and county within New York, and the most ethnically diverse in the U.S. It is traversed by many expressways as well as many New York City subway lines.

The largest borough in New York, land-wise, Queens is roughly half urban and half suburban. It is served by two large airports, JFK International and LaGuardia. It is also home of the New York Mets and the U.S. Open tennis tournament.

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New York County Car Insurance

New York state's most densely populated county is also the nation's, with an average of 72,033 people per square mile. New York County is coextensive with the borough of Manhattan, thus there is no county government. Made up of one large and several tiny islands at the mouth of the Hudson River, it is home to the United Nations headquarters, Central Park and Wall Street.

Popular with visitors is the National 9/11 Memorial, Central Park, Empire State Building, Metropolitan Museum of Art and Statue of Liberty. Not all of its highlights are well known: The "mMuseumm," as it is known, is arguably the state's smallest, built in a former elevator shaft and boasting exhibits such as the infamous shoe hurled at George W. Bush.

County Sedan Suv Coupe Truck Hybrid
New York$1,331.00$1,000.00$1,473.00$1,227.00$1,293.00

Suffolk County Car Insurance

Named for Suffolk, England, this suburban, Long Island county was one of the original 12 founded by early settlers and the easternmost county in the state. The county seat is Riverhead, a town of about 34,000. Aside from fresh seafood, visitors enjoy Fire Island National Seashore in warm weather, the Long Island Aquarium and Exhibition Center and a number of vineyards, breweries, museums and theaters.

Riverhead's upscale, art deco Suffolk Theater was once called the "Radio City Music Hall of Long Island." Suffolk County is also the location of the infamous Amityville Horror House on Ocean Avenue, though its address and exterior have been changed for privacy.

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Bronx County Car Insurance

Bronx County encompasses the only New York City borough located on the U.S. mainland. It's connected to Manhattan by more bridges than any other borough, including the oldest standing bridge in the city, built over the Harlem River in 1843.

Known as the birthplace of hip hop, the Bronx is home to the New York Yankees and was once the home of author Edgar Allan Poe. The world's largest metropolitan zoo, the 265-acre Bronx Zoo, and the largest park in New York City, Palham Bay, are all located in the Bronx. Its Woodlawn Cemetery is arguably the final resting place of more famous people than any place in the world.

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Nassau County Car Insurance

Along with Suffolk County, Nassau County is considered by locals as Long Island, even though the boroughs of Queens and Brooklyn are located on the island's west end. The county seat is the Village of Garden City.

The Cradle of Aviation Museum and Long Island Children's Museum are located in Garden City. Also in Nassau County is the City of Long Beach, a densely populated city less than a mile wide and about 3 miles long. Nicknamed "City by the Sea," Long Beach has a popular boardwalk that has been rebuilt since being destroyed by Tropical Storm Sandy.

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Westchester County Car Insurance

The second most populous mainland county after the Bronx, Westchester is located in the southern end of the state. Home of many American novelists and 20 national historic landmarks, Westchester has about 1 million residents living within its 450 square miles.

Among Westchester County's villages is Sleepy Hollow. The Sleepy Hollow Cemetery is the resting place of author Washington Irving, whose 1820 short story, "The Legend of Sleep Hollow," was set in the nearby Old Dutch Burying Ground. Popular in the summer, the Hudson Park and Beach is located in New Rochelle.

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Erie County Car Insurance

Named for the adjacent Great Lake, Erie County, New York, is part of the Buffalo-Niagara Falls metro area. Plans to consolidate the county with its seat of Buffalo have been both proposed and opposed in recent years. The city known for its spicy wing sauce is the second most populous city in the state after New York City.

Buffalo's "canalside" development is a popular spot for locals and visitors, with concerts in the summer and ice skating in the center. One of its nicknames is the "city of light," since it was among the first cities to have electric street lamps. It didn't hurt that nearby Niagara Falls provided an abundant supply of hydroelectric power.

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Monroe County Car Insurance

Located along Lake Ontario's southern shore, Monroe County is named for the 5th U.S. president. Due to a phenomenon called "the lake effect," the county sees an average of 95 inches of snow per year, and its residents carry on with life regardless.

The county seat is Rochester, which boasts the least expensive real estate market of all the major New York cities. It also has complicated parking rules, and is the birthplace of the S'more, the voting machine and baby shoes. Tourist attractions include the Strong National Museum of Play, Finger Lakes Wine Country and Seabreeze Amusement Park.

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Richmond County Car Insurance

Encompassing the borough of Staten Island, Richmond County is a suburban area accessible to Manhattan by the Staten Island Ferry, which is also a popular tourist attraction because of its views of the Statue of Liberty and Ellis Island. Until 1975, it was known as the borough of Richmond.

The county is home to artists and musicians who want easy access to Manhattan, but with more space to live and work. Staten Island's green space includes 28 miles of walking trails, an undisturbed forest and seven parks.

County Sedan Suv Coupe Truck Hybrid
County Sedan Suv Coupe Truck Hybrid
New York$1,331.00$1,000.00$1,473.00$1,227.00$1,293.00
Saint Lawrence$805.00$704.00$804.00$711.00$739.00


Car Insurance In Toronto: Things You Should Know

Shopping for Toronto Auto Insurance Quotes

The rates charged by different car insurance companies in Toronto to insure the same car and driver can vary by hundreds and even thousands of dollars, so it pays to shop around. The key is to find the insurance company that has the lowest rate available, but with so many Toronto car insurance companies, calling around to get comparative quotes can monotonous and time consuming. This is where getting instant online Toronto car insurance quotes to compare the rates from a broad cross-section of the available insurance companies can help.

Do you commute to Toronto on a daily basis? Check out this fun infographic and see how far your commute really is!

InsuranceHotline.com has been providing online car insurance quotes in Toronto, Ontario from over 30 competing insurance companies since 1994. InsuranceHotline.com is the best way for drivers to find the lowest rates available, through its network of brokers and agents, on their Toronto auto insurance by providing instant, free, real-time quotes. InsuranceHotline.com is not an insurance company, broker or agent, and is not owned in whole or in part by any sector of the insurance industry – so you know the quotes provided are unbiased. And by partnering with our large network of licensed insurance brokers and constantly monitoring the rates of so many competing insurers, we can also help you find the cheapest rate available for your driving profile. The process takes just a few minutes and there is absolutely no obligation. Save time and money by completing a quote now.

Sample Car Insurance Quotes Completed for Drivers in Toronto, Ontario

Below are real quotes that were recently completed on InsuranceHotline.com by drivers living in Toronto, Ontario:

Driver, female, age 26, Toronto, ON Current Rate: $2,108
2015 Honda Civic 4DR Lowest Rate Available: $1,527
10/10/2016 Insurance Company: TD Insurance
Annual Savings: $581
Driver, male, age 57, Toronto, ON Current Rate: $1,989
2017 Lexus RX 450h Lowest Rate Available: $1,493
10/06/2016 Insurance Company: Chieftain Insurance
Annual Savings: $496
Driver, female, age 41, Toronto, ON Current Rate: $1,746
2012 Acura RDX Lowest Rate Available: $1,362
09/24/2016 Insurance Company: ING Insurance
Annual Savings: $384
Driver, male, age 31, Toronto, ON Current Rate: $1,904
2010 Mazda Mazda5 Lowest Rate Available: $1,697
10/19/2016 Insurance Company: Zenith Insurance
Annual Savings: $207
Driver, female, age 61, Toronto, ON Current Rate: $2,231
2015 Hyundai Genesis Lowest Rate Available: $1,629
09/12/2016 Insurance Company: Economical Insurance
Annual Savings: $602

Fun Facts for Toronto Car Insurance Quotes Completed on InsuranceHotline.com

Average of lowest rate available for drivers in Toronto who are retired: $1,554
Most popular car for drivers in Toronto: HONDA CIVIC 4DR
Percentage of Toronto drivers who have taken an accredited drivers training course: 49%
Average annual mileage for drivers in Toronto: 13,178 km
Percentage of drivers in Toronto who use their vehicle for business reasons: 6%

Auto Insurance Quotes in Top Ontario Cities

Toronto Car Insurance Quotes
Mississauga Car Insurance Quotes
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Not from Ontario? Check out insurance quotes from other provinces:
Quebec Car Insurance
Alberta Car Insurance
New Brunswick Car Insurance


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