🇨🇦

Ontario Auto Insurance

Ontario has some of the highest premiums in Canada. Understanding the "OAP 1" Owner's Policy is key to protecting yourself.

Mandatory Coverages

Unlike British Columbia (public insurance), Ontario has a private competitive market. You must buy a standard policy that includes four key coverages:

Third-Party Liability

$200,000

Minimum Limit

$1 Million

Recommended

*Most drivers carry $1 Million or $2 Million liability.

Statutory Accident Benefits (SABS)

This provides standard medical benefits if you are injured, regardless of fault. Standard limits cover up to $65,000 for non-catastrophic injuries, but you can pay extra to increase this to $1 Million.

Direct Compensation (DCPD)

DCPD means your own insurer pays for your car repairs if you are not at fault. You deal with your own company, not the other driver's.

New Rule (2024): You can now opt-out of DCPD coverage to save money, but this means if you are hit by someone else, you get $0 for repairs. We do not recommend this.

The "Postal Code" Factor

Brampton is famous for having the highest rates in the province due to high claim frequency.

Brampton: ~$2,700/yr (Highest)

Toronto: ~$2,300/yr

Ottawa: ~$1,600/yr

Kingston: ~$1,200/yr (Lowest)

Compare Ontario Quotes

We work with TD, Intact, and Aviva brokers.

Get Quotes