Ontario Car Insurance for Confident Driving

Protect yourself on Ontario roads with comprehensive coverage and competitive rates that keep you moving forward. Get your fast quote today

Ontario Car Insurance

Ontario Car Insurance, Simplified

When you're on Ontario roads, your car insurance should work as hard as you do. With Humberview Insurance, you can secure comprehensive coverage tailored to your driving needs—quickly and hassle‐free. Our policies protect you and your vehicle, keeping you moving forward with confidence.

Get a quote today by filling out our simple application, sending us an email, or giving us a call. We've made Ontario car insurance easy, so you can focus on the road ahead.

Standard Car Insurance in Ontario

Liability

Liability portion of your car insurance policy provides protection against damage you cause to other people or their property

Direct Compensation Property Damage

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 1 2024, there is an option to opt out of this coverage.

Uninsured Automobile Coverage

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.

Accident Benefits

Provides compensation if you or others are hurt or killed in a car accident.

Extra Coverages for your Ontario Car Insurance to TakeYou Those Extra Km’s

Collision

Covers your damage to your car a result of hitting an object or another car.

Comprehensive

Covers some insured damages such as falling objects, theft and fire.

All Perils

Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.

Accident Forgiveness

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

Gives you the purchase price of the vehicle in the event of a total loss.

Rental Vehicle

Provides you with a rental vehicle to a specified limit after an insured loss.

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How Ontario Car Insurance Rates Are Calculated

Ontario car insurance rates are influenced by several key factors, including the car you drive, your driving habits, and your location. Vehicles with larger engines, higher values, or lower safety ratings often come with higher auto insurance premiums. If you drive long distances or commute daily, you may pay more than someone who only uses their vehicle for occasional trips. Your driver profile— including age, driving experience, past tickets, and accidents—also impacts your rate. The coverage options you select , such as comprehensive or collision insurance, can add to your premium, while car insurance discounts for multi‐vehicle policies, safe driving, and bundling home and auto can help reduce costs. Our experienced brokers can guide you through the process and help you find the right coverage 80pxfor your needs.

Ways you Can Save to Get Cheap Ontario Car Insurance

Bundle

Add your house policy to get a multi-line discount..

Insure two or more vehicles

Insuring your vehicles with the same company can result in a multi-vehicle discount.

Shop Around

In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.

Increase deductibles

Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.

Pay Yearly

Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.

Install winter tires

Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.

Take a Drivers Training course

If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.

Consider Renewing

Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.

Tips for Driving in Ontario

Watch Out For Wildlife

Watch Out For Wildlife

Wildlife running across roads and highways is very common and it is something to watch out for.

Put On Snow Tires

Put On Snow Tires

Snow tires will help you control and stop in inclement weather, they do make a difference.

Check the Weather

Check the Weather

Check the weather of where you are planning to go. Even an hour away can be the difference between rain or shine.

Why Humberview

Why Humberview?

  • You Get One Dedicated Broker

    We are not a call center, you will have the same broker for your policy.

  • In Business Since 1982

    We are an independent broker located in Toronto since 1982

  • Quotes from Top Insurers

    We represent some of Canada's best insurance companies.

  • No phone prompts when you call us

    Speak to a human, right away.

FAQ

Find Car Insurance in Ontario By Region

Greater Toronto Area (GTA) Car Insurance

If you're in Toronto, Mississauga, Brampton, Vaughan, or nearby, finding affordable auto insurance can be challenging. Our brokers help GTA drivers secure the right coverage with savings on multi-vehicle policies, winter tire discounts, and safe driving incentives.

Southwestern Ontario Car Insurance

Drivers in London, Kitchener, Windsor, and surrounding areas have unique insurance needs. Whether commuting on the 401 or driving in a rural town, we provide coverage options that fit your lifestyle.

Eastern Ontario Car Insurance

From Ottawa to Kingston and beyond, we help Eastern Ontario drivers find competitive car insurance. Whether you need coverage for daily commutes or occasional driving, we provide tailored solutions.

Types of Ontario Car Insurance You May beLooking For

Clean Record

Ontario Clean Record Car Insurance

  • Humberview Insurance Brokers: Rewarding Ontario's safe drivers for over 30 years.
  • Specializing in policies for Ontario drivers with spotless records.
  • Competitive rates, expert advice, and personalized service.
  • Hassle-free: We find and tailor coverage for your clean driving history.
  • Partnered with top insurance companies to reward your safe driving.
  • Get a quick quote for Ontario clean record insurance
Commercial Auto

Ontario Commercial Auto Insurance

  • Customized Vehicle Coverage: Protect your Ontario business vehicles and contractor-operated vehicles with comprehensive, tailor-made policies.
  • Affordable Rates with Expert Advice: Benefit from competitive pricing in Ontario and personalized insurance guidance.
  • Flexible for All Vehicle Types: Ideal for any Ontario business, from single cars to extensive fleets.
  • Simplified Insurance Process: Quick, straightforward coverage solutions for Ontario business owners.

Ontario high risk car insurance

  • Unique Coverage for Unique Histories: Catering to Ontario drivers with diverse records, including DUIs and speeding incidents.
  • Competitive Pricing with Personal Service: Affordable rates and dedicated support for high-risk insurance in Ontario.
  • Expert Guidance, Tailored Coverage: Comprehensive assistance from quote comparison to policy finalization.
  • Specialized Brokers for High-Risk Insurance: Navigate Ontario's high-risk insurance with our specialized brokers.
  • Get Your Custom High-Risk Insurance Quote: Personalized, quick quotes for high-risk car insurance in Ontario.

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