Ontario Car Insurance

Fill Out, Submit To Get A Quote

Get A Quote

Ontario Car Insurance

For more than three decades, Humberview Insurance Brokers has been helping Ontario, Canada residents save on car insurance. But that’s not all we do. We believe a happy driver is an educated driver, so besides great rates on car insurance, we also provide expert advice and personal service from the moment you get a quote to the moment you enjoy your perfect new coverage, and beyond.

Learn More About Ontario Car Insurance by Reading Below

Mandatory 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)

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 Take You 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.

Ontario Car Insurance Additional Options and Add-Ons Which Are Good To Have

Accident Forgiveness

Prevents your policy going up in price due to your first at fault claim.

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.

* many conditions apply to some of the coverage listed above, it is best to speak to a car insurance broker if you have specific questions or limitations.

How Are Ontario Car Insurance Rates Determined.

The Car you Drive

Factors such as engine size, the cost of the vehicle and safety ratings can all make an impact to how much you will pay for car insurance.

How you Drive

Generally, if you are driving many kilometers or driving to work you will generally pay more than someone that just used their vehicle for occasional driving and errands.

The Area in Which You Live

A lot of the price you pay is dependent on where you live, this is because if you live in an area where there are a lot of accidents, you will typically pay more than if you lived in an area with less accidents.

Driver Profile

Things like your age, your driving history, how many tickets, accidents, when you got licensed as well as other factors can all play a part in making your rate.

All The coverages you choose

Some coverages you choose can add up and it is up to you to determine which are best fit for you. Our brokers can help you decide.

Discounts you qualify for

A variety of eligible discounts can be added if you qualify that may impact your final car insurance rate.

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

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

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

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.

Let’s Answer Your Common Ontario Car Insurance Questions

How Much Car Insurance Do I need in Ontario?

The minimum amount includes liability insurance which comes with three other mandatory coverages. We suggest people carry at least $2 million in auto liability coverage.

How much is car insurance per month in Ontario?

Paying approximately $200 per month is in and around the standard. But this can increase quickly if you are a new driver, have tickets, accidents or live in an area where there are a lot of claims.

How much is insurance for a G2 Driver in Ontario?

For a new G2 driver paying $350 per month is not unheard of. There could be ways to reduce this rate if you recently moved to Ontario and can prove experience from a different province or country.

What City has the highest insurance rate in Ontario?

Brampton, followed by Mississauga, Vaughan and Richmond Hill.

Why do Ontario drivers pay the highest car insurance rates in the country?

The Ontario auto policy provides many coverages, as well as extreme weather events, fraud and higher value of vehicles results in higher premiums people pay for their auto policy in Ontario.

Which car has the cheapest insurance?

There is no clear answer, as Ontario car insurance is based on many factors. Vehicles with higher safety ratings and are less expensive typically will result in lower premiums for the rating that is derived by the vehicle.

How much is car insurance in Ontario for a new driver?

This rate can vary depending if you are a new driver who completed driver training, or whether or not you are bringing experience from another country or province.

Do all drivers in a household have to be insured in Ontario?

Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.

Ontario Car Insurance By City

Acton Dresden Madoc Ridgetown
Ajax Dryden Manitouwadge Rockland
Alexandria Dundalk Mannheim Rockwood
Alfred Dunnville Marathon Russell
Alliston Durham Markdale Sarnia
Almonte Dutton Markham Sault Ste Marie
Amherstburg Eganville Marmora Schomberg
Angus Elliot Lake Mattawa Seaforth
Arnprior Elmira Meaford Selwyn
Arthur Elmvale Metcalfe Severn
Atikokan Embrun Midland Shelburne
Aylmer Englehart Mildmay Simcoe
Ayr Erin Millbrook Sioux Lookout
Ballantrae Espanola Milton Smiths Falls
Barrie Essex Milverton Smithville
Barry’s Bay Etobicoke Mississauga South River
Bath Everett Mitchell Southampton
Beamsville Exeter Moosonee St. Catharines
Beaverton Fenelon Falls Morrisburg St. Clements
Beeton Fergus Mount Albert St. George
Belleville Forest Mount Brydges St. Jacobs
Belmont Fort Erie Mount Forest St. Marys
Binbrook Fort Frances Mount Hope St. Thomas
Blenheim Gananoque Munster Stayner
Blind River Georgetown Newmarket Stirling
Bobcaygeon Goderich Niagara Falls Stoney Creek
Bolton Grand Bend Napanee Stouffville
Bowmanville Grand Valley Nobleton Stratford
Bracebridge Gravenhurst Norfolk Strathroy
Brampton Greenstone North Bay Streetsville
Brantford Grimsby North Dundas Sturgeon Falls
Brighton Guelph North York Sudbury
Brockville Hagersville Norwich Sunderland
Brownsville Hamilton Norwood Sutton
Brussels Hanover Oakville Tavistock
Burford Harriston Omemee Teeswater
Burlington Harrow Orangeville Temiskaming Shores
Caledon Hastings Orillia Terrace Bay
Caledonia Havelock Osgoode Thamesford
Cambridge Hawkesbury Oshawa Thessalon
Campbellford Hawkestone Ottawa Thornbury
Cannington Hensall Owen Sound Thornton
Capreol Huntsville Paisley Thunder Bay
Cardinal Ingersoll Palmerston Tilbury
Carleton Place Iroquois Paris Tillsonburg
Carlisle Iroquois Falls Parkhill Timmins
Casselman Jarvis Parry Sound Toronto
Cayuga Kanata Pembroke Tottenham
Chapleau Kapuskasing Penetanguishene Tweed
Chatham Kawartha Lakes Perth Uxbridge
Chesley Kemptville Petawawa Vankleek Hill
Chesterville Kenora Peterborough Vaughan
Clarington Keswick Petrolia Vineland
Clinton Kincardine Pickering Virgil
Cobourg Kingston Picton Walkerton
Cochrane Kirkland Lake Port Colborne Wallaceburg
Colborne Kitchener Port Credit Warwick
Colchester Leamington Port Dover Wasaga Beach
Collingwood Lake of Bays Port Hope Waterford
Constance Bay Lindsay Port Perry Waterloo
Cornwall Listowel Port Severn Wawa
Creemore Little Current Port Stanley Welland
Crystal Beach Lively Powassan Wellesley
Deep River London Prescott Wellington
Delhi Longlac Red Lake Whitby
Deseronto L’Orignal Renfrew Windsor
Dowling Lucan Richmond Woodbridge
Drayton Lucknow Richmond Hill Woodstock

News & Knowledge Center

Top Ten Stolen Cars in Toronto 2021

Below is a list from Toronto Police Services of the top ten cars stolen in the year 2021. Top 10 Auto Thefts by Vehicle Make and Model in Toronto Honda Cr-V – 654 Lexus Rx350 – 418 Honda Civic – 260 Land Rover Range Rover – 225 Toyota Highlander – 200 Ford F150 – 176… Read More »

Moving From Manitoba to Ontario and Looking for Car Insurance?

If you are considering moving from Manitoba to Ontario or you’ve already moved, we wanted to share with you how to get credited for your driving experience from Manitoba. This will make it easier to obtain car insurance in Ontario. First, it is important you order from Manitoba Public Insurance a claims experience letter and… Read More »

What is High Risk Car Insurance?

High risk car insurance is a car insurance policy where you as a driver no longer qualify to be insured with most regular market car insurance companies due to tickets, accidents or cancellations. How You Become A High Risk Car Insurance Driver Every car insurance company has filed rules – this means rules of which they will… Read More »

How to Save Money on Car Insurance

Below are some quick tips on how to save for car insurance. Always speak with a broker to see if you qualify for them. Combine Car and House Insurance for A Combined Discount You should quote your home and auto with the same company to see if you qualify for a multi-policy discount. Of course, it has to… Read More »

What Every Canadian Driver Should Have in Their Car

A Dash Cam. That’s right, we believe every Canadian driver should have a dash cam in their car. Let’s face it, car insurance is expensive without any accidents or tickets. If you are a good driver that drives cautiously and obeys the rules of the road, why wouldn’t you want to have a dash cam to protect… Read More »

Ontario Car Insurance Resources

Auto insurance in Ontario is governed by Financial Services Regulatory Authority of Ontario.

Auto licensing, transit infrastructure and road tests are managed by the Ministry of Transportation