Car Insurance Calculator for Ontario

This resource will give you information about how to use a car insurance calculator for Ontario, including all of the information you’ll need to get started and tips on using a car insurance estimator.

You can use this information to dive deeper into your quotes, and you can use your 3-minute quote from us to compare with everything else on the market.

Toronto's skyline with insured cars visible on the road and the CN Tower in the background.

Understand Toronto Car Insurance Calculators

First let’s discuss some trends you’ll likely see in the Ontario insurance market when using a Toronto car insurance calculator. Ontario has the highest average insurance rates in Canada. Toronto and the GTA tend to have some of the highest rates in Ontario.

However, within the GTA the cost of insurance varies significantly. If you live downtown, your rates may be lower, because access to public transport can reduce your need to use your car as often as someone who uses their vehicle to commute to their job in the downtown core from the suburbs.

On the other hand, frequently driving downtown and on Toronto highways in busy traffic can lead to higher insurance rates as well due to higher risk exposures. Where you park your car in Toronto can also have an impact on the cost of your insurance because insurance companies take into account the potential for your car to be affected by theft and vandalism.

This means that while Toronto tends to see higher rates than other parts of Ontario, you might still see comparatively low rates for your area if you can use alternative transport and park in bright, open spaces.

Woman getting multiple car insurance quotes online with aha insurance on her laptop at a small round table in a cafe.

Why You Should Get Car Insurance Quotes Online First

Before online insurance calculators and quote tools, the only way to get multiple car insurance quotes was to call or visit multiple insurance companies and manually give them your information. In contrast, with companies that offer car insurance quotes online, you can count on a much more convenient and seamless quoting experience.

For example, we offer an online car insurance quote that takes less than 4 minutes. When you enter your driver’s license information, aha insurance will connect to the Ministry of Transportation of Ontario’s driver database to give you a fast and accurate car insurance quote.

Very few people do it that way, but it’s fast and accurate. It’s why we can guarantee the price you’re quoted.

It’s also a good idea to get an online quote before you move or purchase a new vehicle, so you have a good understanding of how your monthly rates will be affected. Knowing which vehicles are cheaper to insure could seriously affect your purchasing decision, after all.

Have these answers on hand for your quote calculator as well, since they do affect your rating:

  • Marital status
  • Working or retired status
  • Where you drive to work every day
  • How far you drive to (and from) work every day
  • Does someone else have regular access to your vehicle?
  • Are there co-owners of your vehicle?

On less accurate platforms, any of these answers could change the price you see between the quote and the checkout stage. This is why it’s beneficial to get car insurance quotes online before you renew your current policy or purchase a new policy.

30-year-old man with round glasses shrugging in a pink sweater because he doesn't know how to use a car insurance monthly cost calculator.

Using a Car Insurance Monthly Cost Calculator

The most straightforward way to calculate your monthly insurance cost is to simply divide the premium you get from a car insurance calculator by 12.

For example: the average annual cost of car insurance in Ontario is $1,500, which makes the average monthly cost of Ontario insurance premiums $125.

Remember to do this after adding any other coverage options to see exactly what you can expect to pay on a monthly basis.

Insurance estimate for a new car, beige-grey with a camera close-up on the headlights and lined up next to a re corvette at a dealership.

Will an Insurance Estimate for New Cars Be Higher?

Insurance estimates for new cars depend on a variety of factors. New cars aren’t necessarily more expensive to insure than used cars or older cars. In fact, a vehicle’s make and model can be a much more reliable indicator of insurance costs than a vehicle’s age.

If your car is a brand-new sports car, it will probably be more expensive to insure than a brand-new family sedan. But it’s also likely that an older high-horsepower sports car will still cost more to insure than a new family car that’s packed with all of the latest safety features.

Similarly, since older vehicles typically have less built-in safety technology than newer vehicles, the safety of a newer car will help you to save on your insurance.

The vehicle’s replacement cost is another important part of your monthly insurance rate. If an old car of yours is a rare and vintage model, it’s probably going to cost a lot more to replace than a popular newer model.

On the other hand, if your car is a slightly older and used (but still popular) model that’s still relatively safe and equipped with parts that are readily available should they need to be replaced, you could potentially save more than if you were driving a brand new car.

Are New Cars More Likely to Be Stolen?

It’s possible that a flashy new car could be a target of a thief looking for a joyride, but statistically speaking, a car’s make and model is a more significant indicator of theft appeal. You can find the most stolen cars in Canada here, for reference, but most cars on this list aren’t new at all.

Most car thieves want to sell a stolen car’s parts, and some parts are in more demand than others because of how often their used in similar models (such as the Ford F350).

A baby wearing sunglasses and a safety helmet trying to use a full coverage car insurance calculator while playing with a pretend steering wheel on a bed.

How to Include Full Coverage in the Car Insurance Calculator

Make sure you’re using a full coverage car insurance calculator. You might find an attractive quote for inexpensive car insurance, but the quote might only include the cost for basic insurance without the kind of coverage you’re looking for.

In Ontario, there’s no one-size-fits-all option for full coverage car insurance. As long as you have Ontario’s legally mandated minimum car insurance coverage, you can choose the combination of insurance policy types and deductible rates that best fit your budget and lifestyle.

It’s also important to note that not all calculators or insurance companies will offer you identical “full coverage” quotes. Not all companies offer the same amount or types of coverage, so there is no standard definition for what an insurer’s full coverage options will include.

Just keep in mind that “full coverage” should include these things, wherever you end up buying insurance:

  • Liability insurance
  • Accident benefits
  • Comprehensive coverage
  • Collision coverage
Middle-aged blonde man asking what he needs to get auto insurance while holding a microscope up to the camera.

What Do I Need to Get Auto Insurance After My Quote?

At this point you’re probably wondering about what you need to insure a car. You’ll need several pieces of paperwork (or their digital equivalents) once you’re ready to buy your auto insurance.

  • Proof of past insurance coverage: a Declaration Page from your current insurance company will prove you’re insured and will give your new insurance agent an idea of the type of coverage you currently have.
  • Void check or equivalent banking information: this is a more convenient way to pay your monthly insurance. Your insurance company might offer you a discount if they see this as a good indicator that your payments will be on time and consistent.

  • Paperwork to verify discounts: some insurers offer discounts for accredited driver training, vehicle safety features and maintenance, even home ownership and good grades, but you will need to provide them with sufficient proof first.
  • Records of auto claims from the past 8 years: this screens people for things like impaired or reckless driving. Even though these things only stay on your driving record at the Ministry of Transportation for 2 years, the most serious claims could still affect your insurance premiums.

If you get an online quote with aha insurance, we can get this information straight from your license details. We can also get a lot of information about your car’s features from your vehicle identification number (VIN) so that you don’t need to memorize it all.

Blonde woman shrugging awkwardly because she doesn't have her Ontario driver's license number on hand for the service person.

Have Your Ontario Driver’s License Number Ready

Your Ontario Driver’s License Number will give your insurance company important information, such as:

  • Driving experience
  • How long you’ve been driving
  • Your driving record

P.S. If you’re currently working on getting a license (G1, G2, or G), then check out our guide here.

Woman in blue jeans and a black leather jacket holding a car key ring by her right index finger right in front of the Ontario driver's license plate on her silver SUV.

The Cost of an Ontario License Plate (If You Don’t Have One Yet)

If you’re looking to insure a newly purchased vehicle, you’ll need to purchase your vehicle registration and permit which will cost $32.

You may also need an Ontario license plate, which costs $59. Your vehicle permit and license plate will be issued to you immediately. If you order a personalized license plate, it will be mailed to you.

In Ontario, you also need to have insurance in place in order to drive your car. You can find a complete list of what you need to register a vehicle from Service Ontario.

You can also find locations to obtain driver’s licenses in Ontario through the MTO’s service finder tool. Once you’ve passed through Ontario’s graduated license system, it costs $120 to renew your license every year (but only $60 in Northern Ontario) $90 to renew your license every five years.

Brunette woman gasping at her phone when she sees her driver's license history in Ontario and how it affects her insurance.

Your Driver’s License History in Ontario Impacts Your Car Insurance

One of the most important things that impacts your insurance quote is your driver’s license history. Speeding tickets are one of the most common marks on your driving record that can have an impact on your insurance quote.

Most traffic violations will remain on your driver’s license history for three years, but more serious charges could stay on your driving record for six or more years.

Blonde man gasping while looking through binoculars because he sees a driver's license suspension coming his way.

Watch Out for a Driver’s License Suspension in Ontario

Having experienced a drivers license suspension in Ontario will put you at risk for needing to pay higher car insurance premiums. If you accumulate 9-14 demerit points, then your license could be suspended.

Ontario drivers that receive 15 demerit points will have their license suspended for 30 days automatically.

Suspensions will typically stay on your driving record, affecting your car insurance costs for six years. Being charged for driving with a suspended license in Ontario is considered a criminal driving offense, which would also have an adverse effect on insurance rates in the future.

Blonde woman remembering her car make and model, deep in thought with her left hand to her chin in thought.

Know Your Car Make, Model, and Year

Car make and model, plus its model year are important factors insurance companies consider when they’re calculating your car insurance quote.

A vehicle’s make refers to its manufacturer, such as:

  • Ford
  • Toyota
  • Nissan
  • Honda
  • Volkswagen

A vehicle’s model describes the different types of vehicles offered by a single manufacturer. Common Toyota models include:

  • Camry
  • Corolla
  • Prius
  • Yaris
  • RAV-4

From there, some vehicles are divided into years and then sub-models, usually correlating to a certain trim level.

Remember that if you bought a brand-new vehicle, the year you bought it in isn’t necessarily the make year of your vehicle since it’s common for manufacturers to put their new models out the summer before the actual year arrives. For example, we’ll see 2020 models released in the summer of 2019.

If you’re not sure about the year, it’ll be on the bill of sale and the ownership papers. You can also look at the tenth letter or number of your car’s VIN, then cross-reference that with a VIN-to-Year Chart.

An even more convenient option might be to use an online tool like the VIN Decoder from CARFAX Canada. Just locate your vehicle’s VIN on either the driver’s seat side of the windshield or the inside of the driver’s door jamb and then enter it into the tool.

A green townhouse at an Ontario address with white windows, vines growing on the outer walls, a street number of 106 above a brass mail slot, and a tree branch on the right foreground.

Have Your Home Address and Postal Code Ready

Insurance providers usually associate a certain level of “risk” with particular areas (usually by postal code), so your address in Ontario will have an impact on your rates. However, unlike with home insurance, your vehicle and driving record will play a larger role in calculating your quote.

Some online car insurance calculators will have a tool that lets you perform an address lookup to find an address in Ontario, although we’ll just give you a straight price based on your exact address.

View of the average commute distance from a car's passenger seat on the highway, looking back at the town from where the car left.

Calculate Your Average Commute Distance

Ontarians drive their cars an average of 16,000 kilometres each year. Your daily commute is something your insurance company considers when calculating your quote simply because it makes up a significant portion of the time and distance you spend driving your vehicle.

Our online quote experience links to Google Maps to show you the distance between work and your home, but you can also set your odometer to measure the trip.

Man in red plaid shirt and thick glasses and a woman in a white blouse with librarian glasses wearing surprised expressions because they can choose their own coverage options.

Decide on the Type of Coverage You Need

Ontario drivers can buy additional coverage beyond the bare minimum liability insurance required by law.

A basic insurance package will be the cheapest, but it could also cost more in the long run if an accident occurs. Basic car insurance will cover you with $200,000 in liability insurance, which seems like a lot—but if you were to be found liable for a collision, $200,000 might not be enough to cover all of the costs.

That’s why we’ve outlined the different kinds of coverage here. Take a look and see what you might want on your policy.

Short-haired man asking why auto insurance is mandatory while driving an SUV, mid-turn.

Mandatory Auto Insurance Coverage

Why is auto insurance mandatory? It makes sure that every driver on the road can cover the bare minimum costs of an accident if they’re involved in one. Your third-party liability coverage needs to pay out at least $200,000 in compensation to those affected if you were to injure someone or damage property while driving.

It ensures that drivers get immediate compensation when they actually need it instead of waiting for months to get through red tape.

Man in his mid-20s holding up his palms and backing away becuase he doesn't want to talk about liability car insurance.

Liability Car Insurance Coverage

Liability insurance will help pay for injury or damage to people and property, if someone were to file a lawsuit against you after an accident. The minimum coverage is $200,000, but you can increase your coverage to up to $2 million.

Rental car liability insurance  that covers at least $200,000 in damages is also required by law in Ontario. However, it’s common for Ontario’s rental companies to have their vehicles insured with liability car insurance that offers over $1 million in coverage.

In Ontario it’s illegal for rental companies to sell separate liability coverage for their vehicles. So when driving a rental car, you should be covered under the policy your rental company has purchased for that car. However, it may be possible to add additional liability coverage for your rental car to your personal liability insurance policy.

This liability car insurance coverage is extremely important, but it doesn’t protect you against:

  • At-fault accidents
  • Collisions not involving other cars
  • Pothole damage
  • Vandalism
  • Extreme weather
Man rubbing his head at a work desk by a silver laptop becuase he needs accident benefits in Ontario.

Accident Benefits

Accident benefits are a part of the province’s mandatory insurance package, which means that you will receive accident benefits in Ontario regardless of whether or not you are found to be at fault.

They come with a range of services, such as:

  • Medical and Rehabilitation benefits that aren’t covered by OHIP or many group insurance plans
  • Caregiver and dependent caregiver benefits
  • Home maintenance expenses including housekeeping
  • Death and funeral benefits
  • Income replacement of up to 70% of weekly income
  • Indexation Benefit (to keep up with inflation)

An experienced broker can help you decide on what accident benefit coverage is best for you and your family.

Young man and young woman in white shirts wish they bought uninsured driver insurance, holding their hands to their own heads with a dazed and upset expression.

Uninsured Driver Protection

It’s still possible to run into an uninsured driver, even though that person would be breaking the law. This is where uninsured driver insurance can help improve a difficult situation, allowing you to seek compensation from your insurance company if the other driver has insufficient insurance.

It also helps to cover hit-and-run collisions, which are a bit more common.

You might also be wondering if an uninsured driver can drive your car. Generally they can if they’re properly licensed and not breaking any laws. Remember that when someone is driving your car, they are usually covered under your auto insurance policy unless your policy specifically excludes it.

Just make sure that anyone you encounter claiming to drive someone else’s car can produce the pink slip to prove they’re covered under insurance.

Man in blue plaid collared shirt and yellow headphones dancing on his couch playing air guitar becuase he could afford comprehensive coverage for his car.

Comprehensive Coverage

Comprehensive coverage isn’t part of mandatory car insurance policies in Ontario, but it helps protect your car from damage that’s out of your control. Unlike collision coverage, which we’ll talk about below, it gives you insurance coverage for damage that happens when something other than another vehicle hits your car.

Some examples of situations that can be covered by Comprehensive coverage include:

  • Extreme weather and natural disaster damage, such as hail.
  • Falling objects and debris, like a falling tree during a storm.
  • Theft, vandalism or damage from civil disturbances.
  • Damage to the windshield or windows.
  • Fires or explosions.
  • An accident with an animal on the road.

Note that comprehensive coverage does not include damage that would be covered under the liability car insurance sections of your policy, like repairing vehicle damage and healthcare related accident benefits after collisions with other drivers.

Comprehensive coverage packages vary between insurance companies, so it’s important to know what types of comprehensive perils your policy covers.

Hands taking a camera phone snapshot of a fender bender as proof for a collision coverage claim.

Collision Coverage

What is collision coverage? Also called upset coverage, it can be used to pay for repairs after a collision between your car and another vehicle or various types of objects on or near the road, like potholes. While comprehensive coverage protects your vehicle from situations that are often out of your control, collision coverage also helps with mistakes people make while driving.

Some other types of collisions covered this way include:

  • Vehicle rollovers
  • Hitting signs
  • Hitting trees
  • Hitting barriers or other stationary, inanimate objects

Because collision coverage can be expensive (everybody encounters potholes!), many people opt for a higher collision coverage deductible to save money on their insurance premiums.

This way, if your car were to slip on ice and bump into a curb, and the resulting dented bumper cost less to repair than your deductible, you could avoid making a claim with your insurance company and your premiums would remain the same.

You don’t want to pay high premiums in proportion to how much your car is actually worth. If a car is older and would be relatively inexpensive to replace, many people opt to lower their monthly premiums by reducing their comprehensive and collision coverage.

Man standing surprised at his parking garage spot because he forgot to buy transport accident insurance.

Transportation After an Accident, Insurance, and You

Transportation replacement coverage is an optional type of coverage that will pay for a rental car, taxi, or public transportation during the period that your damaged car is either being repaired or replaced.

Take a look at this sample form for transportation replacement coverage from the Financial Services Commission of Ontario. That’s the kind of information you’ll need to give your insurance company for coverage.


We hope you found this resource helpful about auto quote calculators in Ontario and what really goes into them.

Before we say goodbye, remember to keep these basics in mind for every quote calculator out there:

  1. Make sure you give the quote calculator the most accurate information possible to save time and money in the long run.
  2. Make sure you know what types of insurance coverage you want before getting excited at the quoted price. Refer back to this guide for reference whenever you want!

If you have any more questions, you can contact one of our experienced brokers or get a 3 minute online quote from us.

This resource will give you information about how to use a car insurance calculator for Ontario, including all of the information you’ll need to get started and tips on using a car insurance estimator.

You can use this information to dive deeper into your quotes, and you can use your 3-minute quote from us to compare with everything else on the market.

Toronto's skyline with insured cars visible on the road and the CN Tower in the background.

Understand Toronto Car Insurance Calculators

First let’s discuss some trends you’ll likely see in the Ontario insurance market when using a Toronto car insurance calculator. Ontario has the highest average insurance rates in Canada. Toronto and the GTA tend to have some of the highest rates in Ontario.

However, within the GTA the cost of insurance varies significantly. If you live downtown, your rates may be lower, because access to public transport can reduce your need to use your car as often as someone who uses their vehicle to commute to their job in the downtown core from the suburbs.

On the other hand, frequently driving downtown and on Toronto highways in busy traffic can lead to higher insurance rates as well due to higher risk exposures. Where you park your car in Toronto can also have an impact on the cost of your insurance because insurance companies take into account the potential for your car to be affected by theft and vandalism.

This means that while Toronto tends to see higher rates than other parts of Ontario, you might still see comparatively low rates for your area if you can use alternative transport and park in bright, open spaces.

Woman getting multiple car insurance quotes online with aha insurance on her laptop at a small round table in a cafe.

Why You Should Get Car Insurance Quotes Online First

Before online insurance calculators and quote tools, the only way to get multiple car insurance quotes was to call or visit multiple insurance companies and manually give them your information. In contrast, with companies that offer car insurance quotes online, you can count on a much more convenient and seamless quoting experience.

For example, we offer an online car insurance quote that takes less than 4 minutes. When you enter your driver’s license information, aha insurance will connect to the Ministry of Transportation of Ontario’s driver database to give you a fast and accurate car insurance quote.

Very few people do it that way, but it’s fast and accurate. It’s why we can guarantee the price you’re quoted.

It’s also a good idea to get an online quote before you move or purchase a new vehicle, so you have a good understanding of how your monthly rates will be affected. Knowing which vehicles are cheaper to insure could seriously affect your purchasing decision, after all.

Have these answers on hand for your quote calculator as well, since they do affect your rating:

  • Marital status
  • Working or retired status
  • Where you drive to work every day
  • How far you drive to (and from) work every day
  • Does someone else have regular access to your vehicle?
  • Are there co-owners of your vehicle?

On less accurate platforms, any of these answers could change the price you see between the quote and the checkout stage. This is why it’s beneficial to get car insurance quotes online before you renew your current policy or purchase a new policy.

30-year-old man with round glasses shrugging in a pink sweater because he doesn't know how to use a car insurance monthly cost calculator.

Using a Car Insurance Monthly Cost Calculator

The most straightforward way to calculate your monthly insurance cost is to simply divide the premium you get from a car insurance calculator by 12.

For example: the average annual cost of car insurance in Ontario is $1,500, which makes the average monthly cost of Ontario insurance premiums $125.

Remember to do this after adding any other coverage options to see exactly what you can expect to pay on a monthly basis.

Insurance estimate for a new car, beige-grey with a camera close-up on the headlights and lined up next to a re corvette at a dealership.

Will an Insurance Estimate for New Cars Be Higher?

Insurance estimates for new cars depend on a variety of factors. New cars aren’t necessarily more expensive to insure than used cars or older cars. In fact, a vehicle’s make and model can be a much more reliable indicator of insurance costs than a vehicle’s age.

If your car is a brand-new sports car, it will probably be more expensive to insure than a brand-new family sedan. But it’s also likely that an older high-horsepower sports car will still cost more to insure than a new family car that’s packed with all of the latest safety features.

Similarly, since older vehicles typically have less built-in safety technology than newer vehicles, the safety of a newer car will help you to save on your insurance.

The vehicle’s replacement cost is another important part of your monthly insurance rate. If an old car of yours is a rare and vintage model, it’s probably going to cost a lot more to replace than a popular newer model.

On the other hand, if your car is a slightly older and used (but still popular) model that’s still relatively safe and equipped with parts that are readily available should they need to be replaced, you could potentially save more than if you were driving a brand new car.

Are New Cars More Likely to Be Stolen?

It’s possible that a flashy new car could be a target of a thief looking for a joyride, but statistically speaking, a car’s make and model is a more significant indicator of theft appeal. You can find the most stolen cars in Canada here, for reference, but most cars on this list aren’t new at all.

Most car thieves want to sell a stolen car’s parts, and some parts are in more demand than others because of how often their used in similar models (such as the Ford F350).

A baby wearing sunglasses and a safety helmet trying to use a full coverage car insurance calculator while playing with a pretend steering wheel on a bed.

How to Include Full Coverage in the Car Insurance Calculator

Make sure you’re using a full coverage car insurance calculator. You might find an attractive quote for inexpensive car insurance, but the quote might only include the cost for basic insurance without the kind of coverage you’re looking for.

In Ontario, there’s no one-size-fits-all option for full coverage car insurance. As long as you have Ontario’s legally mandated minimum car insurance coverage, you can choose the combination of insurance policy types and deductible rates that best fit your budget and lifestyle.

It’s also important to note that not all calculators or insurance companies will offer you identical “full coverage” quotes. Not all companies offer the same amount or types of coverage, so there is no standard definition for what an insurer’s full coverage options will include.

Just keep in mind that “full coverage” should include these things, wherever you end up buying insurance:

  • Liability insurance
  • Accident benefits
  • Comprehensive coverage
  • Collision coverage
Middle-aged blonde man asking what he needs to get auto insurance while holding a microscope up to the camera.

What Do I Need to Get Auto Insurance After My Quote?

At this point you’re probably wondering about what you need to insure a car. You’ll need several pieces of paperwork (or their digital equivalents) once you’re ready to buy your auto insurance.

  • Proof of past insurance coverage: a Declaration Page from your current insurance company will prove you’re insured and will give your new insurance agent an idea of the type of coverage you currently have.
  • Void check or equivalent banking information: this is a more convenient way to pay your monthly insurance. Your insurance company might offer you a discount if they see this as a good indicator that your payments will be on time and consistent.
  • Paperwork to verify discounts: some insurers offer discounts for accredited driver training, vehicle safety features and maintenance, even home ownership and good grades, but you will need to provide them with sufficient proof first.
  • Records of auto claims from the past 8 years: this screens people for things like impaired or reckless driving. Even though these things only stay on your driving record at the Ministry of Transportation for 2 years, the most serious claims could still affect your insurance premiums.

If you get an online quote with aha insurance, we can get this information straight from your license details. We can also get a lot of information about your car’s features from your vehicle identification number (VIN) so that you don’t need to memorize it all.

Blonde woman shrugging awkwardly because she doesn't have her Ontario driver's license number on hand for the service person.

Have Your Ontario Driver’s License Number Ready

Your Ontario Driver’s License Number will give your insurance company important information, such as:

  • Driving experience
  • How long you’ve been driving
  • Your driving record

P.S. If you’re currently working on getting a license (G1, G2, or G), then check out our guide here.

Woman in blue jeans and a black leather jacket holding a car key ring by her right index finger right in front of the Ontario driver's license plate on her silver SUV.

The Cost of an Ontario License Plate (If You Don’t Have One Yet)

If you’re looking to insure a newly purchased vehicle, you’ll need to purchase your vehicle registration and permit which will cost $32.

You may also need an Ontario license plate, which costs $59. Your vehicle permit and license plate will be issued to you immediately. If you order a personalized license plate, it will be mailed to you.

In Ontario, you also need to have insurance in place in order to drive your car. You can find a complete list of what you need to register a vehicle from Service Ontario.

You can also find locations to obtain driver’s licenses in Ontario through the MTO’s service finder tool. Once you’ve passed through Ontario’s graduated license system, it costs $120 to renew your license every year (but only $60 in Northern Ontario) $90 to renew your license every five years.

Brunette woman gasping at her phone when she sees her driver's license history in Ontario and how it affects her insurance.

Your Driver’s License History in Ontario Impacts Your Car Insurance

One of the most important things that impacts your insurance quote is your driver’s license history. Speeding tickets are one of the most common marks on your driving record that can have an impact on your insurance quote.

Most traffic violations will remain on your driver’s license history for three years, but more serious charges could stay on your driving record for six or more years.

Blonde man gasping while looking through binoculars because he sees a driver's license suspension coming his way.

Watch Out for a Driver’s License Suspension in Ontario

Having experienced a drivers license suspension in Ontario will put you at risk for needing to pay higher car insurance premiums. If you accumulate 9-14 demerit points, then your license could be suspended.

Ontario drivers that receive 15 demerit points will have their license suspended for 30 days automatically.

Suspensions will typically stay on your driving record, affecting your car insurance costs for six years. Being charged for driving with a suspended license in Ontario is considered a criminal driving offense, which would also have an adverse effect on insurance rates in the future.

Blonde woman remembering her car make and model, deep in thought with her left hand to her chin in thought.

Know Your Car Make, Model, and Year

Car make and model, plus its model year are important factors insurance companies consider when they’re calculating your car insurance quote.

A vehicle’s make refers to its manufacturer, such as:

  • Ford
  • Toyota
  • Nissan
  • Honda
  • Volkswagen

A vehicle’s model describes the different types of vehicles offered by a single manufacturer. Common Toyota models include:

  • Camry
  • Corolla
  • Prius
  • Yaris
  • RAV-4

From there, some vehicles are divided into years and then sub-models, usually correlating to a certain trim level.

Remember that if you bought a brand-new vehicle, the year you bought it in isn’t necessarily the make year of your vehicle since it’s common for manufacturers to put their new models out the summer before the actual year arrives. For example, we’ll see 2020 models released in the summer of 2019.

If you’re not sure about the year, it’ll be on the bill of sale and the ownership papers. You can also look at the tenth letter or number of your car’s VIN, then cross-reference that with a VIN-to-Year Chart.

An even more convenient option might be to use an online tool like the VIN Decoder from CARFAX Canada. Just locate your vehicle’s VIN on either the driver’s seat side of the windshield or the inside of the driver’s door jamb and then enter it into the tool.

A green townhouse at an Ontario address with white windows, vines growing on the outer walls, a street number of 106 above a brass mail slot, and a tree branch on the right foreground.

Have Your Home Address and Postal Code Ready

Insurance providers usually associate a certain level of “risk” with particular areas (usually by postal code), so your address in Ontario will have an impact on your rates. However, unlike with home insurance, your vehicle and driving record will play a larger role in calculating your quote.

Some online car insurance calculators will have a tool that lets you perform an address lookup to find an address in Ontario, although we’ll just give you a straight price based on your exact address.

View of the average commute distance from a car's passenger seat on the highway, looking back at the town from where the car left.

Calculate Your Average Commute Distance

Ontarians drive their cars an average of 16,000 kilometres each year. Your daily commute is something your insurance company considers when calculating your quote simply because it makes up a significant portion of the time and distance you spend driving your vehicle.

Our online quote experience links to Google Maps to show you the distance between work and your home, but you can also set your odometer to measure the trip.

Man in red plaid shirt and thick glasses and a woman in a white blouse with librarian glasses wearing surprised expressions because they can choose their own coverage options.

Decide on the Type of Coverage You Need

Ontario drivers can buy additional coverage beyond the bare minimum liability insurance required by law.

A basic insurance package will be the cheapest, but it could also cost more in the long run if an accident occurs. Basic car insurance will cover you with $200,000 in liability insurance, which seems like a lot—but if you were to be found liable for a collision, $200,000 might not be enough to cover all of the costs.

That’s why we’ve outlined the different kinds of coverage here. Take a look and see what you might want on your policy.

Short-haired man asking why auto insurance is mandatory while driving an SUV, mid-turn.

Mandatory Auto Insurance Coverage

Why is auto insurance mandatory? It makes sure that every driver on the road can cover the bare minimum costs of an accident if they’re involved in one. Your third-party liability coverage needs to pay out at least $200,000 in compensation to those affected if you were to injure someone or damage property while driving.

It ensures that drivers get immediate compensation when they actually need it instead of waiting for months to get through red tape.

Man in his mid-20s holding up his palms and backing away becuase he doesn't want to talk about liability car insurance.

Liability Car Insurance Coverage

Liability insurance will help pay for injury or damage to people and property, if someone were to file a lawsuit against you after an accident. The minimum coverage is $200,000, but you can increase your coverage to up to $2 million.

Rental car liability insurance  that covers at least $200,000 in damages is also required by law in Ontario. However, it’s common for Ontario’s rental companies to have their vehicles insured with liability car insurance that offers over $1 million in coverage.

In Ontario it’s illegal for rental companies to sell separate liability coverage for their vehicles. So when driving a rental car, you should be covered under the policy your rental company has purchased for that car. However, it may be possible to add additional liability coverage for your rental car to your personal liability insurance policy.

This liability car insurance coverage is extremely important, but it doesn’t protect you against:

  • At-fault accidents
  • Collisions not involving other cars
  • Pothole damage
  • Vandalism
  • Extreme weather
Man rubbing his head at a work desk by a silver laptop becuase he needs accident benefits in Ontario.

Accident Benefits

Accident benefits are a part of the province’s mandatory insurance package, which means that you will receive accident benefits in Ontario regardless of whether or not you are found to be at fault.

They come with a range of services, such as:

  • Medical and Rehabilitation benefits that aren’t covered by OHIP or many group insurance plans
  • Caregiver and dependent caregiver benefits
  • Home maintenance expenses including housekeeping
  • Death and funeral benefits
  • Income replacement of up to 70% of weekly income
  • Indexation Benefit (to keep up with inflation)

An experienced broker can help you decide on what accident benefit coverage is best for you and your family.

Young man and young woman in white shirts wish they bought uninsured driver insurance, holding their hands to their own heads with a dazed and upset expression.

Uninsured Driver Protection

It’s still possible to run into an uninsured driver, even though that person would be breaking the law. This is where uninsured driver insurance can help improve a difficult situation, allowing you to seek compensation from your insurance company if the other driver has insufficient insurance.

It also helps to cover hit-and-run collisions, which are a bit more common.

You might also be wondering if an uninsured driver can drive your car. Generally they can if they’re properly licensed and not breaking any laws. Remember that when someone is driving your car, they are usually covered under your auto insurance policy unless your policy specifically excludes it.

Just make sure that anyone you encounter claiming to drive someone else’s car can produce the pink slip to prove they’re covered under insurance.

Man in blue plaid collared shirt and yellow headphones dancing on his couch playing air guitar becuase he could afford comprehensive coverage for his car.

Comprehensive Coverage

Comprehensive coverage isn’t part of mandatory car insurance policies in Ontario, but it helps protect your car from damage that’s out of your control. Unlike collision coverage, which we’ll talk about below, it gives you insurance coverage for damage that happens when something other than another vehicle hits your car.

Some examples of situations that can be covered by Comprehensive coverage include:

  • Extreme weather and natural disaster damage, such as hail.
  • Falling objects and debris, like a falling tree during a storm.
  • Theft, vandalism or damage from civil disturbances.
  • Damage to the windshield or windows.
  • Fires or explosions.
  • An accident with an animal on the road.

Note that comprehensive coverage does not include damage that would be covered under the liability car insurance sections of your policy, like repairing vehicle damage and healthcare related accident benefits after collisions with other drivers.

Comprehensive coverage packages vary between insurance companies, so it’s important to know what types of comprehensive perils your policy covers.

Hands taking a camera phone snapshot of a fender bender as proof for a collision coverage claim.

Collision Coverage

What is collision coverage? Also called upset coverage, it can be used to pay for repairs after a collision between your car and another vehicle or various types of objects on or near the road, like potholes. While comprehensive coverage protects your vehicle from situations that are often out of your control, collision coverage also helps with mistakes people make while driving.

Some other types of collisions covered this way include:

  • Vehicle rollovers
  • Hitting signs
  • Hitting trees
  • Hitting barriers or other stationary, inanimate objects

Because collision coverage can be expensive (everybody encounters potholes!), many people opt for a higher collision coverage deductible to save money on their insurance premiums.

This way, if your car were to slip on ice and bump into a curb, and the resulting dented bumper cost less to repair than your deductible, you could avoid making a claim with your insurance company and your premiums would remain the same.

You don’t want to pay high premiums in proportion to how much your car is actually worth. If a car is older and would be relatively inexpensive to replace, many people opt to lower their monthly premiums by reducing their comprehensive and collision coverage.

Man standing surprised at his parking garage spot because he forgot to buy transport accident insurance.

Transportation After an Accident, Insurance, and You

Transportation replacement coverage is an optional type of coverage that will pay for a rental car, taxi, or public transportation during the period that your damaged car is either being repaired or replaced.

Take a look at this sample form for transportation replacement coverage from the Financial Services Commission of Ontario. That’s the kind of information you’ll need to give your insurance company for coverage.


We hope you found this resource helpful about auto quote calculators in Ontario and what really goes into them.

Before we say goodbye, remember to keep these basics in mind for every quote calculator out there:

  1. Make sure you give the quote calculator the most accurate information possible to save time and money in the long run.
  2. Make sure you know what types of insurance coverage you want before getting excited at the quoted price. Refer back to this guide for reference whenever you want!

If you have any more questions, you can contact one of our experienced brokers or get a 3 minute online quote from us.

Seriously, what else can you do in 3 minutes?

Boil half an egg?

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