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Ontario Auto Insurance

Better coverage.
More options.

Clear Ontario auto insurance options, explained simply — from required protection to optional coverage for your vehicle.

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Fastest option — complete the online form in about 3–5 minutes.

What are you looking for?

Start with your situation, then use the sections below to understand the coverage and pricing factors that matter.

New Policy

Shopping for coverage for a vehicle you own, finance or lease.

Renewal

Review limits, deductibles and optional protection before simply renewing.

New to Ontario

International or out-of-province driving experience can be considered depending on the insurer and documentation available.

What can your auto policy include?

Ontario auto insurance combines required protection with optional coverage you can tailor to your vehicle and needs.

Third-Party Liability

Protection when you are legally responsible for injury or property damage to someone else.

Accident Benefits

Benefits for eligible medical, rehabilitation and income-related expenses after an accident.

Collision

Optional protection for damage to your own vehicle from a collision or rollover, subject to your policy.

Comprehensive

Optional protection for risks such as theft, vandalism, fire, weather and certain non-collision losses.

All Perils

Broad optional physical-damage protection combining collision and comprehensive-style coverage.

Useful Endorsements

Options may include rental vehicle coverage, accident protection, family protection and new-vehicle protection.

Why does your price look different from someone else’s?

Your premium can change based on several details about you, your vehicle and how it is used.

LocationYour postal code and local claims experience.
Driving RecordTickets, accidents, claims and years licensed.
Your VehicleYear, model, repair cost and theft experience.
Driving HabitsAnnual kilometres, commute and vehicle use.
CoverageLimits, deductibles and optional protection.
ExperienceInternational or out-of-province driving experience can be considered in some cases.

AUTO ACCIDENT

Some scenarios are better left in the comics.

We hope you never need your insurance — but if you do, we’ll be ready.

Auto insurance comic

Auto insurance FAQs

Insurance terms can sound more complicated than they are. Here are the important ones in plain English.

What does liability actually protect?

Think of liability as protection for damage or injury you cause to someone else. If you are legally responsible for an auto accident, it can respond to eligible claims against you, up to your policy limit.

What are Collision, Comprehensive and All Perils?

Collision is mainly for damage to your vehicle from hitting another vehicle or object or rolling over. Comprehensive is for many non-collision losses such as theft, vandalism and certain falling or flying objects. All Perils combines Collision and Comprehensive and adds certain theft protection.

Is All Perils the same as “full coverage”?

Not exactly. “Full coverage” is an informal phrase, not one specific Ontario coverage. Your policy is made up of individual coverages, limits, deductibles and endorsements.

What is DCPD?

Direct Compensation – Property Damage may cover damage to your vehicle, its contents and loss of use when another insured driver is at fault in an Ontario accident and the required conditions are met. Since 2024, Ontario drivers can elect not to claim DCPD, so review this carefully before opting out.

What are Accident Benefits?

Accident Benefits can provide benefits when you are injured in an auto accident, regardless of who caused it. Ontario rules changed July 1, 2026: medical, rehabilitation and attendant care remain mandatory, while several other benefits are optional.

What is a deductible?

Your deductible is the portion of an eligible covered loss that you may have to pay yourself. A higher deductible can sometimes reduce premium, but means more out-of-pocket cost when a deductible applies.

What is OPCF 20 / Loss of Use?

This optional endorsement can help pay for temporary transportation, such as a rental vehicle, while your insured vehicle is being repaired or replaced after a covered loss.

What is OPCF 27?

This endorsement can extend certain coverage when you drive a vehicle you do not own, such as a rental or borrowed vehicle. Coverage and deductibles depend on the endorsement and policy.

What is OPCF 43?

Often relevant for newer vehicles, this endorsement can remove the insurer’s right to deduct depreciation when settling certain covered losses, subject to its terms and eligibility.

What is OPCF 44R / Family Protection?

This can provide additional protection for you or eligible family members when an at-fault driver has too little insurance, no insurance, or cannot be identified, up to the applicable limits.

Do financed or leased vehicles need more coverage?

Your lender or leasing company may require physical damage protection such as Collision and Comprehensive or All Perils. Check the financing or lease agreement.

Can international driving experience count?

It can be considered by some insurers depending on the country, insurer and documentation available. It is worth telling me about your complete driving history.

Do I need to disclose other drivers in my household?

Licensed household members and regular drivers should be disclosed so the insurer can determine how they must be treated on the policy.