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Clean Record Car Insurance for Ontario’s Best Drivers

Your safe driving deserves great rewards. Get lower rates and reliable coverage with clean record car insurance in Ontario. Start your fast quote today!

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Clean Record Car Insurance, Rewarded

You've earned your clean driving record—now let it work for you. At Humberview Insurance, we make it easy to secure lower rates and comprehensive coverage tailored to responsible drivers like you. Enjoy seamless protection that keeps you moving forward with confidence.

Get a quote today by filling out our simple application, sending us an email, or giving us a call. Your safe driving deserves the best—let's make it happen.

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Car Insurance Coverages

Liability	Collision	Direct Compensation Property Damage	Comprehensive
Liability portion of your car insurance policy provides protection against damage caused to other people or their property.	Covers your damage to your car as a result of hitting an object or another car.	Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage.) As of January 2024, there is an option to opt out of this coverage.	Covers some insured damages such as falling objects, theft and fire.
Uninsured Automobile Coverage	All Perils	Accident Benefits	Accident Forgiveness
Protects you if you are hit by an uninsured motorist or by hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.	Most extensive physical coverage for your car. Covers collision + comprehensive and better coverage.	Provides compensation if you or others are hurt or killed in a car accident.	Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.
Depreciation Waiver	Rental Vehicle
Gives you the purchase price of the vehicle in the event of a total loss.	Provides you with a rental vehicle to a specified limit after an insured loss.

Coverage availability varies by insurer, vehicle, driving history and eligibility. Coverage is subject to policy terms, conditions, limits and exclusions.

Why Choose Humberview for Clean Record Car Insurance?

Your Dedicated Broker, Every Step of the Way

No call centers, no switching agents—just one trusted broker who knows your policy inside and out.
Serving Ontario Drivers Since 1982

With decades of experience, we understand what clean drivers need.
Access to Top Insurers

We shop Canada’s leading insurance providers to find the right coverage at the right price for your spotless record.
No Endless Phone Prompts—Just Real People

When you call us, you get a person, not a machine. Your time is valuable, and we respect that.

You’ve earned your clean driving record—let us help you get the insurance savings you deserve. Get a quote today!

Discover the Perfect Clean Record Car Insurance By Vehicle

Acura Dodge Hyundai Lexus Nissan Electric Vehicle

Audi Fiat Infiniti Lincoln Porsche Hybrid Vehicle

BMW Ford Jaguar Mazda Subaru

Buick Genesis Jeep Mercedes Tesla

Cadillac GMC Kia Mini Toyota

Chevrolet Honda Land Rover Mitsubishi Volkswagen

Clean Record Car Insurance FAQ

Answers for Ontario’s Best Drivers

How Much Car Insurance Do I Need in Ontario?

The law requires liability insurance, plus three other mandatory coverages. As a responsible driver, we recommend carrying at least $2 million in auto liability coverage for added protection.
How Much is Car Insurance Per Month in Ontario for a Clean Record Driver?

With a spotless driving history, you’re in the best position to secure lower rates. Many experienced drivers pay around $150–$200 per month, but rates vary based on your vehicle, location, and coverage choices.
Which Cars Have the Cheapest Insurance for Clean Drivers?

Vehicles with high safety ratings, strong theft deterrents, and lower repair costs generally have lower premiums. Your clean record also helps secure the best possible rate, regardless of the car you drive.
Do All Drivers in a Household Need to Be Insured?

Yes, every licensed driver in your household must be listed on your policy or have their own coverage. If you have a clean record, listing additional drivers wisely can help maintain lower rates.