Car Insurance
Car Coverage
Mandatory Car Insurance Coverage for Ontario
Whether you lease, finance or own your car, in Ontario this is the minimum amount of coverage you need to have by law to protect yourself and your loved ones.
- Liability Coverage: If you injure someone or damage property, payments are made on your behalf.
- Direct Compensation: Damages to your car are covered if you're not at fault.
- Uninsured Automobile Coverage: Medical costs and damage are covered if an uninsured driver is at fault.
- Accident Benefits Coverage: Regardless of who is at fault, medical and other expenses you are entitled to receive are covered.
Learn more about the Ontario Auto Insurance Reform changes
Learn more about Car Insurance
How to Get a Car Insurance Quote in Ontario
Driving in Ontario may mean that you are headed down the 401 during an icy snowstorm, or sitting in traffic on the Gardiner Expressway, gazing at the summer skyline. When inside your car, feel confident your coverage fits your needs.
As a resident of Ontario, you will automatically qualify for a 5% discount on eligible coverage* if you complete a car insurance quote using our online quoter right now. The personalized quote will also be emailed to you so you can refer to it at any time. If you want to save up to an additional 25% on your premium, download and use the TD MyAdvantage app!
Keep in mind that the minimum car insurance coverage required is determined by the Government of Ontario and may vary in comparison to Alberta, New Brunswick, Newfoundland/Labrador, Nova Scotia, Prince Edward Island, and Quebec. In addition, premiums can vary depending on the area in which you reside, typically being higher in major urban centres, such as Toronto.
However, the online quoter will show you some ways you can save. Take advantage of preferred rates for alumni and professionals by selecting up to three eligible groups!
Make sense of your Car Insurance needs and options
You could save up to 25% on your car insurance premium with TD MyAdvantage
Introducing TD MyAdvantage, a usage-based insurance savings program that is 100% voluntary and free. The safer you drive, the more you could save!
Enhanced Coverage
Choose one of these options for beyond-the-minimum protection for your car.
- Specified Perils: Protects your vehicle from specified perils such as losses caused by fire, floods, hail or theft.
- Comprehensive: All other insured damage caused to your vehicle (except collision or upset).
- Collision or Upset: Damage to your vehicle caused by a traffic collision with another vehicle or object.
- All Perils: The broadest level of coverage — combines Collision or Upset and Comprehensive coverage along with increased theft protection.
Learn more about the Ontario Auto Insurance Reform changes
Learn more about Car Insurance
Make sense of your Car Insurance needs and options
You could save up to 25% on your car insurance premium with TD MyAdvantage
Introducing TD MyAdvantage, a usage-based insurance savings program that is 100% voluntary and free. The safer you drive, the more you could save!
Special coverage add-ons
We’ve even got you covered for more circumstances.
Accident Forgiveness
With Accident Forgiveness, your car insurance rates won’t go up if you have an at-fault or partially-at-fault accident.**
Uninterrupted Driving Coverage
With Grand Touring, travel worry free within Canada and the U.S. because you’re covered for rental car insurance, a temporary rental car, and even towing.
Replacement value for total loss
With Replacement Cost, get the replacement value of your car if it is lost due to theft or extreme damage.
Learn more about the Ontario Auto Insurance Reform changes
Learn more about Car Insurance
Make sense of your Car Insurance needs and options
You could save up to 25% on your car insurance premium with TD MyAdvantage
Introducing TD MyAdvantage, a usage-based insurance savings program that is 100% voluntary and free. The safer you drive, the more you could save!
Ways you can save
Bundle car and home insurance.
Drive a hybrid or electric vehicle.
Insure two or more vehicles.
Have an approved anti-theft system installed.
Why choose TD Insurance
- TD Right Fit Coverage Assessment
- Find the auto coverage which best fits your needs
- Preferred Rates for Groups
- Alumni, Employer groups and members of professional associations can save with preferred rates
- Easy Ways to Claim
- With the TD Insurance app you can file a car claim and get step-by-step support
