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Car Insurance in Ontario
Whether you're heading north to Barrie, east to Kingston, west to London, or navigating your way in or out of Toronto, Ontario's highways connect communities across the province. But major roads can bring bigger risks: The 401, one of North America's busiest highways, sees frequent accidents, and the 400 can get particularly tricky in the winter, making winter tires (and our winter tire discount) a good move.
Wherever you're headed, feel confident your insurance fits your coverage needs. Get a quote today for auto insurance that meets the needs of Ontario drivers.
What car insurance coverage is mandatory in Ontario?
In Ontario, mandatory auto insurance coverage consists of: Liability Coverage, Uninsured Automobile Coverage, and Accident Benefit Coverage. It's the bare minimum to protect you and your loved ones.
Enhanced and Optional Coverage in Ontario
Choose one of these options for beyond-the-minimum protection for your car.
How does car insurance work in Ontario?
In Ontario, insuring your car begins with choosing the type of coverage you'll be purchasing and deciding on your deductible amount, which is the out-of-pocket cost you'll need to pay if you make a claim. You'll then pay a premium, either monthly or annually, to your insurance company for your coverage.
Your auto insurance policy provides you with financial protection if you injure someone or damage their vehicle or property as a result of a car accident. You may also be covered for damage to your vehicle—the type of damage covered depends on the coverage you choose. Tailor your coverage to your specific needs by choosing one of our enhanced or optional coverage options.
How to buy car insurance online in Ontario
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Start your online quote
Begin your quote by answering a few questions. With the information you provide we’ll be able to:
- Assess your needs and recommend coverage
- Determine what discounts are available to you
- Give you the most accurate quote
And of course, it’s all 100% confidential.
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Customize your coverage
Once you've completed your quote we’ll provide you with our recommended coverage options based on your individual needs.
You’ll be able to:
- Adjust your deductible amounts
- Alter your coverage limits
- Proceed with buying online‡
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Set up payment, review coverage and buy
Once you’re satisfied with your coverage, you can:
- Review your payment options
- Confirm your payment method
- And review your summary
Now you can finish the process and put your feet up.
Save 5% when you quote and buy car insurance online2.
How to lower your car insurance premium: Ways you can save with TD Insurance
Frequently Asked Questions
To get the cheapest car insurance in Ontario — without sacrificing the coverage you need—drive safely to help maintain a clean driving record and look for ways to lower your premium. Some ways to lower your premium include:
- Compare quotes. Be sure to look at not just the price quoted, but also the coverage being offered. A quote might be higher because it offers the coverage you need, while a lower-priced quote might skimp on that coverage, so it may not be the best fit for your needs.
- Bundle your insurance. You'll usually pay less if you bundle your insurance by purchasing your home and auto insurance from the same insurer
- Check for discounts. At TD Insurance, for example, we offer over 30 ways to save on your home and car insurance.
- Choose a higher deductible. A higher deductible generally means a lower premium (but keep in mind, you'll be paying more out of pocket if you make a claim).
Yes, living in Toronto might affect the price of your car insurance. This is because where you live is one of several factors insurance companies look at when determining the cost of your premium. Your postal code helps an insurer assess the likelihood of claims in your area. For example, if you live in an area that sees more collisions or higher vehicle theft rates, this higher risk will generally impact your premium.
No, driving a red car won't have an impact on your insurance rate. While insurers will consider the make, model, and age of your car when calculating your car insurance premium, the colour of your car isn't a factor.
To get the best car insurance rate from your insurer, be sure to check for any discounts or other savings you may qualify for, such as a multi-vehicle discount or special alumni or professional rates. At TD Insurance, for example, we offer over 30 ways to save on your home and car insurance.
Insurance companies in Ontario consider a number of factors when calculating the amount of your car insurance premium. These include industry-wide factors (for example, escalating repair costs) as well as individual factors, such as:
- Your driving record and claims history
- Where you live • Your car's make, model, and year
- How often and how far you drive • How you're using your car
- Your coverage and deductible
‡Conditions apply. Subject to eligibility rules.
The ability to purchase insurance online is currently not available in all provinces.
Note: You may not always be given the option to buy online. If this happens, we encourage you to call and speak to one of our licensed advisors, or let us call you!
1 Nationally, the 677 new TD Insurance customers who were surveyed between March 5, 2025 to March 17, 2025 and June 18, 2025 to June 30, 2025, who reported their annual car insurance premiums paid to their previous insurance provider and who reported their annual car insurance premiums payable to TD Insurance upon switching their car insurance policy, reported an average annual premium savings of approximately 24%. The survey sample consisted of new customers who switched their car insurance policies to TD Insurance between June 26, 2024 to June 13, 2025. It was conducted with a 95% confidence interval and produced a 2% margin of error. These survey results do not include customers in British Columbia, Manitoba or Saskatchewan. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching car insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers. Please visit https://www.tdinsurance.com/save for more details.
2 In order to be eligible for the Buy Online Discount for car insurance, you must meet eligibility requirements to buy car insurance online and complete your purchase of this insurance online. Note: You may not always be given the option to buy online. This may occur, for example, if information provided requires additional verification or if your purchase must be completed with an advisor based on your specific insurance needs. If you are unable to buy online, we encourage you to call and speak to one of our licensed advisors or let us call you!
Offers may be changed, withdrawn or extended at any time without notice.
• 5% Auto Insurance Savings (Ontario)
A 5% Digital Discount is applied for completing the auto insurance purchase online. The Digital Discount will continue to be applicable upon policy renewal.
The Digital Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Uninsured Automobile, Direct Compensation - Property Damage, All Perils, Collision, Comprehensive, Specified Perils, and OPCF 44.
• 10% Savings on Car Insurance (Quebec)
A Buy Online Discount of 10% in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Civil Liability, Damage to Insured Vehicles (All Perils, Collision or Upset, Comprehensive and Specified Perils).
• 5% Auto Insurance Savings (Nova Scotia & Newfoundland)
A 5% Buy Online Discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Uninsured Automobile, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils and Uninsured Motorist.
• 5% Auto Insurance Savings (PEI)
5% Buy Online Discount in the first policy term for completing the auto insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Uninsured Automobile, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils and Underinsured Motorist.
• 5% Auto Insurance Savings (Nunavut, Northwest Territories, Yukon)
5% Buy online discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Third Party Liability, Accident Benefits, All Perils, Collision, Comprehensive, Specified Perils, and S.E.F. No. 44.
3 Nationally, as of April 25, 2025, our customers (with insurance policies underwritten by either Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home And Auto Insurance Company) who insure their car with us and who meet the claims-free savings criteria applicable to their province or region with regard to the number of years spent claims-free, saved an average of 30%, expressed regionally as:
30% in Ontario
15% in Quebec
25% in Alberta, Nunavut, Northwest Territories and Yukon
35% in the Atlantic Provinces
when compared to the premium they would have paid if, within the previous 12 months, they made a claim that would have negatively affected their premium. These claims vary by province. Savings are not guaranteed and vary based on the customer's profile, province/region and product.
4 Nationally, the average annual savings of all of our clients who belong to a professional or alumni association that have an agreement with us and who insure both a residence and a car on April 25, 2025 (underwritten by Security National Insurance Company ) was
- $1,870 when purchasing both homeowner and car insurance
- $1,350 when purchasing both condo and car insurance
- $1,300 when purchasing both tenant and car insurance
when compared to the premiums they would have paid without the preferred insurance rate for groups and the multi-product discount. Savings are not guaranteed and will vary based on the client's profile and province or territory of residence. Due to provincial legislation, car insurance is not available in British Columbia, Manitoba and Saskatchewan.
5 A 10% discount is applied on insurance coverage for private passenger vehicles that are identified as hybrid or electric vehicles, as per the Insurance Bureau of Canada's vehicle description tables.
This discount is applied to premiums for the following coverages: Bodily Injury, Property Damage, Direct Compensation – Property Damage, Accident Benefits, Uninsured Automobile, All Perils, Collision or upset, Comprehensive, Specified Perils and OPCF 44.
6 This program uses telematics to assess your driving habits and assign a score. Premium adjustments are applied to certain eligible coverages, mid-contract, based on your driving score. A discount may apply for safe driving, while a surcharge may apply for risky driving. Conditions, limits, and eligibility criteria apply.
Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6