Car Insurance in Ontario
Protect what matters most with trusted car insurance for Ontario drivers.
- Personalized coverage for every type of driver
- Compare quotes from leading insurance companies
- Claims support from a trusted Ontario brokerage
Required by law for all Ontario drivers. Every driver must carry basic coverage that protects others on the road and covers your medical costs in an accident.
Add protection for your car, passengers, or peace of mind. Optional coverage gives you more complete protection against unexpected damage, theft, or large repair costs.
Tell us about your insurance needs and current coverage.
We shop multiple trusted insurers to find coverage that fits your needs and budget.
Review your options, choose what fits your needs, and get your policy started, often the same day.
Serving all of Ontario, our brokers are available in every region. Find the closest office to you.
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Our licensed brokers help clients throughout Ontario — virtually, by phone, or in person.
What happens if I get into an accident?
If you're in an accident, ensure everyone is safe first, then call 911 if there are injuries or significant damage. Exchange information with the other driver, document the scene with photos, and contact your insurance company immediately. If you have collision or all perils coverage, your policy will cover repairs (minus your deductible if you're at fault). Your Morison broker can guide you through the claims process for fast, stress-free resolution.
Does my car insurance cover rental cars?
Yes, if you have the right auto insurance coverage. Your personal car insurance can transfer to a rental car if you add optional coverage. However, rental companies offer their own insurance, which can be more comprehensive. Some drivers opt into rental car insurance from the rental company to avoid costs to repair a car that isn't their own, especially while traveling. Speak to a Morison broker to ensure you're protected in all circumstances.
Does comprehensive coverage include vandalism?
Yes. If you choose to purchase optional comprehensive coverage for your car insurance in Ontario, it will cover vandalism. Comprehensive car insurance coverage applies to damage caused by something other than a collision, including vandalism, fire, theft, falling objects, hitting an animal, and weather-related damage.
What is the minimum required car insurance coverage in Ontario?
Ontario law requires all drivers to carry minimum mandatory coverage, which includes Third-Party Liability (minimum $200,000, though we recommend $2,000,000), Accident Benefits (medical and income replacement), Direct Compensation–Property Damage (DCPD), and Uninsured Automobile Coverage. This ensures basic protection for you, other drivers, and anyone injured in an accident.
Do I need liability insurance for my car in Ontario?
Yes. In Ontario, you are required to have third-party liability coverage for your vehicle. This coverage protects you from expenses associated with damage or bodily harm you accidentally cause to someone else (a third party). Our expert car insurance brokers recommend a $2,000,000 liability limit. Legal fees can easily accumulate in complicated claims, and this coverage protects you from unforeseen legal costs.
Can I insure a car that's not in my name?
No. It is impossible to insure a car registered in another person's name in Ontario, as you have no legal interest in the vehicle. Only the vehicle owner can insure it in their own name. However, if you drive regularly and don't own a vehicle, consider non-owner car insurance. Ontario residents should consider this coverage if they often rent cars, borrow vehicles, or participate in car sharing, as it offers insurance protection for drivers rather than just the vehicle owner.
Does manual vs. automatic transmission affect my car insurance?
No. Car insurance companies don't request transmission type information, so it doesn't affect your coverage or premiums. Whether you prefer manual or automatic vehicles, you're free to select the type that works best for your driving habits without worrying about insurance implications.
What documents do I need to get car insurance in Ontario?
To get car insurance in Ontario, you'll need your valid Ontario driver's license, vehicle registration and VIN (Vehicle Identification Number), current or previous insurance information (if applicable), details about your driving history (accidents, tickets, claims), and information about how you use your vehicle (commuting, business, pleasure). Having these documents ready helps your Morison broker provide accurate quotes quickly.
What discounts are available for car insurance in Ontario?
Various car insurance discounts can help reduce your premiums, including bundling home and auto insurance, winter tire discounts, student driver discounts, multi-vehicle discounts, claims-free discounts, mature driver discounts, anti-theft device discounts, and loyalty discounts. Speak with an expert broker at Morison Insurance when getting a new quote or renewing your policy to discover which discounts apply to you.
What is a car insurance deductible?
A car insurance deductible is the amount you've agreed to pay on your own in the event of an accident before your insurance company covers the rest. A standard deductible is typically around $500. For example, if your car requires $2,000 in repairs after a collision, you pay $500, and your insurance covers the remaining $1,500. Usually, the deductible only applies if you're at fault. The lower your deductible, the higher your insurance premium will be.
What can I bundle with my auto insurance?
