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Difference between ontario and quebec car insurance

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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There’s no cost to you

There’s no catch or fine print; our service is absolutely free for you to use.

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It’s easy and quick

Tell us a little about yourself and your car in three easy steps. That’s really all there is to it!

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Your information is safe

Your details are secure. Look for a locked padlock in your browser as well as https.

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We respect your privacy

Your privacy is important to us and we never share your details without your consent.

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.


Nick Dasko bought his first car when he was 22 – a seven-year-old Mazda Protege that cost him $10,000. Then came the insurance bill: more than $6,000, even though he had no tickets or at-fault accidents.

Some of his friends were paying even more – $10,000 was not unheard of.

Ontario has the highest auto insurance rates in Canada, with the average annual premium at $1,544.86 in 2012– 45 per cent more than in Alberta, the second-most costly. For young men like Dasko in the 16-to-24 age group, the hit is the worst – classified by the industry as high risk, they are charged stratospheric rates.

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Auto insurance is the wild west of compulsory services. If you want to drive, you have no choice but to buy it – but what you pay varies wildly. According to quotes obtained Tuesday from kanetix.ca, a 20-year-old male in Winnipeg with a clean driving record would pay $1,396 driving a 2008 Honda Civic DX two-door coupe for pleasure (not to commute to school or work) and compiling 15,000 km/year. In Calgary, that same driver would pay between $2,973 and  $3,789. In Toronto, the bill would range from $4,239 to $9,270  – an increase of 664 per cent.

The obvious question – why?

While it costs more to cover claims in Ontario (the province is plagued by insurance fraud) private insurers claim that the actuarial evidence used to rate drivers shows that males under 25 have the worst statistical record as a group. Consequently, individuals in the 16-to-24 group pay more, even if they’ve never been involved in an accident or received a ticket for a traffic violation. Essentially, young men are deemed guilty until proven innocent – at age 25.

“You are being prejudged,” says Dasko. “It’s the last legal form of discrimination.”

Public auto insurance programs, such as those in Manitoba and Saskatchewan, take a different approach. Standard rates apply to every driver, regardless of age or gender. Auto insurance is much less expensive for a 20-year-old full-time student in Winnipeg driving the same car as his counterparts in Toronto, Montreal and Calgary.

The private insurance industry defends the actuarial approach. “It’s not discriminatory,” says Pete Karageorgos, manager of consumer and industry relations for the Insurance Bureau of Canada. “It’s based purely on statistical analysis. It’s like charging more for house insurance in a high-risk neighbourhood. I think people have accepted this. In a public auto insurance system, young drivers are subsidized. In Ontario, young drivers pay rates that reflect their actual risk.”

Statistics show that young drivers do cause a disproportionate amount of damage. Drivers aged 16 to 24 represent 13 per cent of the driving population, but account for 24 per cent of fatalities and 26 per cent of serious injuries. The question is whether Ontario’s steep insurance charges for young drivers accurately reflect actuarial data.

State Farm Insurance spokesman John Bordignon says Toronto is a “special case”: “It’s got the highest population density, the worst roads, and a high rate of theft. The costs reflect those risks.”

Contrary to the public system, in Ontario, Alberta and other provinces, every driver must help bear layers of extra costs. Ontario’s industry is made up of more than 100 private companies that are overseen by a government agency called the Financial Services Commission of Ontario. Revenue comes from two sources – insurance premiums, and the money insurers make by investing the money consumers give them.

Private insurers say that their system has the built-in advantage of competition: “If you’re not satisfied with your insurer, you can go shop around,” says Karageorgos. “With government insurance, there’s no choice. Private insurance gives you better service.”

Not everyone agrees. The Consumers Association of Canada (CAC) deems private auto insurance to be one of the biggest rip-offs that Canadians face. After studying the industry for years, CAC concluded that a properly run public insurance system was the best choice, but found itself locked into a debilitating public relations battle with the private industry.

“There are some things that should be run by private industry,” says CAC president Bruce Cran. “And there are others that should be in the hands of government. Auto insurance is one of them.”

Cran says that excessive insurance charges affect everyone, not just drivers: “The costs run through the entire economy,” he says. “Everything you buy, every last piece of bread you eat, is carried in a vehicle that has to be insured. So we all pay, whether we have a car or not.”

The CAC’s investigation of the insurance industry yielded interesting insights into the way it operates, and why costs are so high. In 2004, for example, CAC learned that private insurers had paid $290-million in secret commissions to insurance brokers who steered business their way. This practice had a direct impact on consumers – instead of hunting for the best price for their customers, brokers sold the policy that offered them the highest commission.

A public auto insurance system can offer fundamental business advantages. Most important, a public system reduces overhead costs – instead of multiple companies, each with its own head office, computer systems, etc., there is just one, which cuts duplication and creates efficiencies of scale.

Other significant savings include profit margin (public insurance systems don’t have to pay dividends to shareholders) and advertising – public systems don’t have to budget for TV spots and a talking gecko. Public insurance plans can also control costs more effectively – body shops, medical clinics and towing companies must comply with rates set by the public plan, which wields monopoly power over suppliers. Ontario’s private insurers, on the other hand, face ongoing problems with gouging and fraud.

As with U.S. health care, the debate over private and public auto insurance has been cast along ideological lines that obscure underlying economic realities. Ontario’s private insurance firms admit that rates here are the highest, yet insist that theirs is the superior business model.


Using the website kanetix.ca on Tuesday, we obtained quotes for a 20-year-old full-time male student, in the 16-to-24 age group. We listed him as principal driver, clean record, living at home, using a 2008 Honda Civic DX two-door coupe for pleasure (not to commute to school or work) and compiling 15,000 km/year. Deductible was $500 for collision and comprehensive, with $1-million liability. The site harvests quotes from different companies, but those companies do not necessarily quote for all cities; the Canadian Automobile Association does not sell service in Montreal. The Manitoba rate was obtained directly from a dedicated website. *Kanetix provides a “lowest rate” but does not identify it until the consumer calls for a quote.






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Follow Peter Cheney on Twitter: @cheneydrive


Top of pageThird Party Liability

Protects against claims for damage to property or injury caused in a car accident, including court defense and investigation fees and legal fees assessed against you by the courts.

Limits required by law
Minimum coverage required by law: $200,000$500,000.

Optional Coverage Limits
$1,000,000 or $2,000,000. Lower limits are available.

Top of pageDirect Compensation - Property Damage (DCPD)

Allows you to collect directly from your own insurer for damages to your car when someone else is responsible for the accident.

Allows you to be compensated directly by your own insurer for damages to your car when someone else is responsible for the accident

Limits required by law
Included in the standard policy with a $0 deductible.

Optional Coverage Limits
Choice of a $0, $300 and $500 deductible.

Top of pageUninsured MotoristAutomobile Coverage

Compensation if an insured person is injured or killed by an uninsured motorist or a hit-and-run driver, and for damage to the vehicle and its contents caused by the owner or driver of an uninsured automobile.

Limits required by law
Minimum coverage required by law:Included in the standard policy.

Top of pageMedical PaymentsMedical and Rehabilitation Benefits

Coverage for expenses for treatment and rehabilitation after injury that are not covered by the provincial health plan, including assessment costs (e.g., physiotherapy, dental expenses, professional nursing, etc.)(e.g., prescription medications, physiotherapy, counseling, wheelchair)(e.g., prescription medications, physiotherapy, nursing services, occupational retraining).

Limits required by law

$50,000$25,000 per person; time limit is 4 years.
maximum $750 for chiropractic care,

$250 for massage therapy,

$250 for acupuncture.

Top of pageFuneral Expenses

Funeral expenses if death of the insured person is caused by an automobile accident.

Limits required by law



Top of pageDeath Benefits

A one-time payment to the surviving spouse and/or dependants if an insured person dies as a result of a car accident.

Limits required by law

$50,000$25,000$10,000 for the death of the head of the household, plus $1,000 to each dependent survivor after first;

$25,000$10,000 for the death of a spouse/partner;

$5,000$2,000 for the death of a dependant.

$10,000 for the loss of the head of the household or a spouse/partner,

Up to $3,000 for the loss of a dependent relative depending on age;

Plus survivor spouse/partner or dependent relative gets $15,000 for the first survivor and $4,000 for each remaining survivor.

Top of pageGrief Counseling

Reimbursement for grief counseling services if an insured person dies as a result of a car accident.

Limits required by law

Up to $400 per family after death of any one person.

Top of pageFuneral Benefits

Funeral expenses if death of the insured person is caused by an automobile accident.

Limits required by law

$5,000 per person.

Top of pageTotal Disability Income Benefit

Reimbursement for lost earnings if an insured person suffers an injury and is unable to work for the period of the disability.

Limits required by law

Employed: 80% of gross pay up to $400 per week for up to 104 weeks.

Unemployed person 18 years or older: $135 per week from up to 26 weeks.

Top of pageLoss of Income

Compensation for lost income if the insured person is unable to work.

Limits required by law

80% of gross income up to $250$140 per week.

Time limits: 104 weeks for partial disability, lifetime for total disability.

Unemployed principal housekeeper: up to $100$70 per week for up to 5212 weeks.


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