Compare and purchase the best
car insurance rates
in Ontario.
Windows are included in comprehensive* however; you have the option to remove this coverage to lower your premium. (*Not Included in Alberta.)
You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Our Reviews
Ontario Auto Insurance Rates Vs. the Rest
Province |
Average Rates |
---|---|
Ontario |
$2,813 |
Alberta |
$2,316 |
Newfoundland & Labrador |
$2,756 |
Northwest Territories |
$1,867 |
Nunavut |
$1,468 |
Nova Scotia |
$2,003 |
New Brunswick |
$1,720 |
Yukon |
$1,728 |
Prince Edward Island |
$1,494 |
See how our customers save big on car insurance
Customer |
City |
Vehicle |
Average Quote |
Purchased Quote |
Savings |
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Car Insurance In FAQs
A few key factors are at play in determining car insurance rates in Ontario. They are:
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Insurance data - This relates to the car insurance data gathered by insurers in your area (can be city and/or province). Including in this data would be the cost of fraudulent claims to insurers and the amount of car insurance claims that happen in your area.
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Your personal driving history - The auto insurer you choose to place your business with will need to verify driving history before taking you on as a new client. This pertains to the amount of at-fault claims you’ve had, as well as your tickets history. Please be prepared to disclose you most recent 6+ years of claims history & 3+ years of tickets history.
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The type of car insurance coverage you’re looking for - In Ontario, the three degrees of coverage are:
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Third Party Liability: By law, this is the minimum auto insurance coverage required in ON.
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Liability, Collision & Comprehensive: This is the maximum amount of car insurance coverage available in ON. Often referred to as full coverage.
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Liability, Collision OR Comprehensive: If car insurance was sized like fountain drinks, this would be the medium drink. If you want more than the minimum but feel the maximum coverage is too much, you can choose to add one of collisions or comprehensive to your liability coverage.
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If you’re leasing or financing a vehicle, there’s a 99% chance that full coverage -- liability, collision & comprehensive coverage -- is required on your vehicle, as part of your leasing/financing agreement.
The best way to make sure you’re getting the best deal available to you for car insurance is by getting multiple car insurance quotes and being eligible for auto insurance discounts.
To help you with the first part of the above statement, Surex has partnered with the top car insurers in Ontario. Our partner insurance carriers include:
Aviva, Economical, Gore, Intact, Jevco, Pafco, Pembridge, RSA, SGI, Travelers, and Wawanesa
The next part is up to you. If you’re eligible for car insurance discounts, this is a great way to lower your annual car insurance premium amount. The top 3 discounts insurers offer are:
Good credit discount - The largest discount the vast majority of auto insurers offer is a good credit discount. Basically, if you have a history of always paying your bills, auto insurers want you as a client.
When you’re filling out your online Surex quote, you’ll be asked if we can do a soft hit of your credit score. This soft hit will not impact your credit score. If you choose to allow us to do this, a credit score of 650+ can save you up to 20% off your annual car insurance premium amount.
Claims-free discount - One way to demonstrate you’re a responsible driver is by going an extended amount of time without being at-fault in an automobile accident. Some car insurers will offer a claims-free discount, which can save you up to 10% off your annual car insurance rates, after 6 years of claims-free driving.
Conviction-free discount - Another way to demonstrate you’re a responsible driver is by avoiding traffic convictions. If you’ve gone at least 3 years without a traffic conviction -- photo radar & parking tickets are excluded -- then some insurers will offer you a conviction-free discount. A convictions-free discount can save you up to 10% off your annual auto insurance premium amount.
Personal auto insurance history - This relates at-fault claims on your record. The better your driving record, the better your rates will be -- all things equal - compared to someone with multiple claims on their record.
Bill payment history - The car insurer you choose to place your business with will want to know your prior history of paying your insurance bills.
Geography - If you live in a city or area that has a high amount of car insurance claims, then your auto insurance rates will be -- all things equal -- higher than someone in a geographic area that sees minimal claims.
Coverage - There are three auto insurance coverages available in ON:
- Third party liability - This is the legal minimum of auto coverage in Ontario.
- Liability, Collision & Comprehensive - This is the maximum amount of car insurance coverage in Ontario.
- Liability, Collision OR Comprehensive - The medium fries of auto coverage. More than the minimum but not quite the large.
Options - A variety of options can be added to a car insurance policy, including - accident forgiveness, limited depreciation (for new vehicles) coverage, rented vehicle coverage, towing packages, etc. Surex also has options to keep costs down by taking away coverage like hail or glass. Your Surex Personal Assistant will be able to elaborate on the options available to you.
Deductible amount - Your car insurance deductible is the amount you have to pay, out of pocket, to activate your policy. In Ontario, deductible amounts are usually $250, $500 or $1000. The value of your vehicle, type of coverage you have and the insurer you choose to place your business with are factors in your deductible amount.
Whether your vehicle is leased or financed - As part of your leasing or financing agreement, certain coverages will be required, until your vehicle is paid off in full. In the vast majority of cases, full (liability, collision & comprehensive) coverage is required, as per your leasing or financing agreement.
Discounts - Your Surex Personal Assistant will do all they can to find car insurance discounts you qualify for. We know the #1 reason a person will switch their business to us is price, which is why we do our best to get you the cheapest rate on car insurance.
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Surex makes it easy to compare, purchase, and save up to 25% on your insurance needs. We shop the market for you, finding the best rate for the coverage you need.
We’ll match you with a dedicated insurance advisor who can walk you through your options, answer your questions, and help you find the right coverage at the best price.
Hit the road with confidence knowing you’re covered with the right car insurance for your needs at
the lowest possible rate. Here are some of the top spots in Ontario to explore on your next road trip.
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