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Ontario auto insurance
Auto insurance in Ontario made easy.
Whether you’re running errands in Toronto or commuting to work in Ottawa, we’ve got you covered. PC Optimum™ members can save up to 35%† when they bundle their home and auto insurance and combine with other available discounts.
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How we offer competitive rates
As a broker, we compare quotes from a variety of trusted insurance providers to find you coverage that fits your needs and budget.
Save on coverage, and earn
PC Optimum™ points.
PC Optimum™ members save up to 35%† when they bundle their home and auto insurance and combine with other available discounts.
Learn more
Earn 2x the regular PC Optimum™ points* for every dollar spent when you pay your premium with your PC® Mastercard®.
Buy your auto insurance in 3 easy steps.
1
Answer questions about your vehicle details, licence, and driving history to get an accurate online quote
2
Customize your coverage if needed.
3
Provide your license number, vehicle ID number, and banking details to finalize online purchase.
Factors that affect auto insurance costs in Ontario.
Car insurance premiums are determined by many factors. Here are some to keep in mind when getting an insurance quote.
Driver’s age
Young drivers may pay higher premiums because they have less experience and, tend to fall into a high-risk age category.
Vehicle type
Your vehicle’s make, model and year impact how much you pay for insurance. Other factors include the cost to replace parts and how likely it is your car will be stolen.
Driving behaviour
What you use your vehicle for and how often you’re behind the wheel can be a contributing factor in setting car insurance premiums.
Driving history
How much experience you have on the road and your driving record help determine what you'll pay for insurance. Drivers with clean records typically enjoy lower premiums.
Get auto insurance in Ontario.
Insure your car with coverage that fits your lifestyle.
Mandatory coverage
Liability
Accident Benefits
Direct Compensation Property Damage
Uninsured Automobile
Optional coverage
Comprehensive
Collision or Upset
Minor Ticket Protection
Waiver of Depreciation
Family Protection
Accident Forgiveness
Liability for Damage to Non-owned Cars
Adding a driver with a G1 or G2 licence.
Getting a driver’s licence is an exciting milestone. Adding a new driver to your insurance policy is simple.
Adding a driver to your policy
Graduating from a G1 to G2 licence
Driver’s training program
Who regulates auto insurance rates in Ontario?
Who regulates auto insurance rates in Ontario?
The Financial Services Regulatory Authority of Ontario (FSRA) ensures that insurance providers’ rates are fair and not excessive. They also protect your rights when you buy car insurance or renew your policy.
FAQs
There are several things you can do to help lower your car insurance costs:
Work on your driving record
Here's an easy and effective way to bring down your insurance costs: build a consistent accident and conviction-free track record with an insurance company.
Choose your automobile wisely
We recommend you do your research before you invest in a new car. Read consumer reports and check with your insurance company to find out which cars tend to be targets for theft and vandalism. If you purchase a car with a high theft rate, your premium could be higher.
Adjust how you use your car
By adjusting the way you use your vehicle, you could bring down the cost of your insurance rates. If you live in a metropolitan area: can you take the subway, train or bus to work? Has your job changed, or have you moved recently? Do you use your automobile to drive a short distance to work? Does your vehicle get used for low annual kilometers?
If you answered yes to any of these questions, you may be entitled to lower insurance costs.
Choose a higher deductible
If you choose a higher deductible up front, in many cases your premiums will be lower.
Consider Telematics
Telematics-powered car insurance is a form of policy in which insurance companies rely on in-car tracking devices to monitor your driving habits and tendencies. This can earn you discounts based on your safe driving habits.
Don't forget our licensed Insurance brokers are here to answer all your questions. To start this discussion, complete your free online quote now.
A deductible is the amount you agree to pay if you have to make a car insurance claim.
If you lend your car to someone and they get into an accident, your car insurance may extend to other drivers as long as you gave them permission to drive it.
Regular or frequent drivers of your car must be added as drivers to your insurance policy in order to be covered.
Yes! You can earn 2x the regular PC Optimum™ points* for every dollar spent at PC® Insurance if you pay your premiums using your President's Choice Financial Mastercard.
All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum points per dollar. When you pay your PC® Insurance home or auto insurance premium with your PC Financial® Mastercard®, earn 20 PC Optimum™ points per dollar. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
Where we are.
Servicing 6 provinces.
Alberta, Ontario, New Brunswick, PEI, Nova Scotia and Newfoundland & Labrador
Find your location†By combining the following discounts from participating insurers, as follows: (i) the discount offered to PC Optimum™ members in good standing off the applicable insurer’s base premium excluding any endorsements or extended coverages (ii) the bundled discount for purchasing both your home and auto insurance with the same insurer through PC® insurance and (iii) the claims-free and convictions-free discounts if you qualify, subject to regional availability. Total savings of up to 35% is in comparison to the base premium excluding any endorsements or extended coverages from the participating insurer you would have paid if these discounts were not applied. Valid only for new customers or renewals; does not apply to current policies. PC® auto and home insurance products are available only in Alberta, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario, and Prince Edward Island. The PC Optimum™ program is provided by President’s Choice Services Inc.
*All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum™ points per dollar. When you pay your PC® insurance home or auto insurance premium with your PC Financial® Mastercard®, earn 20 PC Optimum™ points per dollar. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President's Choice Bank is a licensee of the marks.