Compare Auto Insurance in Ontario With Licensed Brokers
Submit once. Get matched with a RIBO-licensed broker who shops multiple carriers for you.
Start My Ontario Auto RequestWhy Compare Instead of Going Direct?
Save Time
Instead of filling out multiple applications on carrier websites, submit your request details just once. We connect you with a professional who does the heavy lifting.
Multiple Carriers
Brokers have access to dozens of leading Canadian auto insurance carriers. They compare coverage and rates across multiple plans to find your best premium.
RIBO-Licensed Brokers
All partners in our Ontario network are fully registered under the Registered Insurance Brokers of Ontario (RIBO), ensuring professional, compliant advisory.
How It Works
Three simple steps to compare Ontario auto coverage options
Submit Details
Enter your driver profiles and vehicle parameters using our secure step-by-step form.
Get Matched
We securely match you with a licensed broker specializing in your regional area and risk profile.
Compare Options
Your matched broker shops the market, presents you with rates, and helps you select the right policy.
What Ontario Drivers Are Comparing
Third-Party Liability
Protects you if you injure someone or damage their property. The legal minimum in Ontario is $200,000, but most drivers carry $1 million or $2 million.
Collision
Covers damage to your vehicle resulting from an accident with another vehicle or object. It is optional but usually required for leased or financed vehicles.
Comprehensive
Protects your car from non-collision risks like fire, theft, vandalism, windshield damage, or animal collisions. Highly recommended for complete protection.
Accident Benefits
Mandatory coverage providing medical rehabilitation, caregiving, and income replacement support if you are injured in an accident, regardless of fault.
OPCF Endorsements
Add-on policies in Ontario (Ontario Policy Change Forms) such as OPCF 27 (rental car coverage) or OPCF 43 (removing depreciation deduction on new cars).
New Ontario Auto Insurance Reforms Effective July 1, 2026
The Ontario government has introduced changes to give drivers more choice over their coverages. Speak with a broker today to review how these changes affect your policy and premium.
Frequently Asked Questions
How much is auto insurance in Ontario?
Premiums vary widely based on your driving history, vehicle make/model, daily mileage, age, and where you live in the province. Working with a broker is the best way to compare options and find discounts.
What is the minimum liability coverage required in Ontario?
Ontario law requires a minimum of $200,000 in Third-Party Liability coverage. However, most financial advisors and brokers recommend carrying at least $1,000,000 to protect against major accident liability claims.
What is an OPCF endorsement?
An OPCF (Ontario Policy Change Form) is a standard policy change amendment. Common examples include OPCF 20 (loss of use / rental replacement) and OPCF 27 (liability for damage to non-owned vehicles like rental cars).
Can a broker get me a better rate than going direct?
Yes. Brokers represent multiple insurance carriers and have access to packages and discounts not available to direct-to-consumer shoppers. They help you structure coverage so you only pay for what you actually need.
How long does it take to get matched?
Our matching process takes under 2 minutes. Once submitted, your request profile is securely transmitted to a partner broker, who will typically reach out by phone or email within the hour during business days.