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PC auto insurance has you covered in Ontario

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The benefits of PC auto insurance

We know that having a complete vehicle insurance plan in Ontario is important — one that will cover you on our snowy back roads in cottage country to the morning gridlock on the 401. Sometimes in this province you never know what driving conditions you’ll face, which is why you need a comprehensive plan. At PC insurance, we take that very seriously. As a car insurance broker, we shop at up to eight car insurance companies to make sure you get the best rates for your specific driving situation. And we are available 24/7 to help you with any claims.

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Plus, we reward you for every dollar you spend with a PC Financial Mastercard®.

When you pay your PC insurance premium with your PC Financial Mastercard®, you earn 2X the regular PC Optimum points – redeemable for free groceries, fashion and more at participating stores. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards). Visit for details and full store list.

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Our brokers find you the best rate in Ontario for your situation.

With up to eight car insurance providers to choose from in Ontario, our brokers research and compare several options at once. When it comes to choosing a car insurance plan that covers you on the road, we aim to provide you with easy-to-understand plans that work with you – not against you.

What factors affect the cost of car insurance in Ontario?

Since Ontario’s geography is so diverse, with everything from rural countryside to massive metropolitan centres like Toronto, rates will vary across the province. But, here are some main points to consider when shopping for car insurance:

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Vehicle type

Car insurance premiums are based on the vehicle’s make, model, and age, as well as other risk factors such as its likelihood of being stolen or the price of replacement parts.

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Driver’s age

When it comes to car insurance, statistics mean everything. Although you might be a proven good driver, if you fall into a high-risk age category, you might pay higher premiums.

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Postal code

Where you live in Ontario will impact your rate. If you live in an area with little to no theft, for example, you might be paying less for car insurance as the likelihood of your car being broken into or stolen is reduced.

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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. To get the best rates possible, always try to be as specific as you can about your driving habits. You might consider installing a Usage-Based Insurance (UBI) unit on your car, which tracks where and how you drive, to provide proof of your driving habits. These devices often reward good driving behaviour (and penalize bad driving habits such as speeding).

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Who sets car insurance rates in Ontario?

To encourage fairer rates and consumer protection, the Financial Services Commission of Ontario (FSCO) regulates car insurance rates. These regulations are determined in the interest of offering adequate protection to drivers and other motorists on the road. Changes to a car insurer’s rates must be submitted to FSCO for approval.

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What is the minimum requirement for car insurance in Ontario?

In Ontario, the minimum amount of third-party liability coverage, which covers you in a situation where you damage someone else’s property with your car, is $200,000. Although this amount may seem high, it is recommended to take out a plan that offers more protection to help cover you and your family in the event of a more serious accident where people may get injured. If you are in a province which requires a higher minimum, an Ontario car insurance policy must cover the new amount.

Is car insurance mandatory in Ontario?

There are nearly 10 million drivers in Ontario and every car driving on provincial roads must be insured by law. In Ontario, since car insurance is applied to the vehicle as opposed to the driver, car insurance must be taken out for each vehicle owned.

How can I lower my car insurance premiums in Ontario?

Ontario car insurance premiums are some of the highest in Canada due to a greater concern for insurance fraud and different insurance laws. But, while you might not be able to change your vehicle or be willing to move to another neighbourhood for the sake of car insurance premiums, there are ways you can help lower your premiums:

Burglar deterrents

Anti-theft devices, such as an engine immobilizer (a device that prevents the car to run unless the correct key is used) can help reduce the risk of a car being stolen. Car insurance companies recognize this and might lower your rates as a result. Proof of purchase and proper installation might be required.

Dashboard Cameras

While specific discounts might not currently exist for dashcams, they are useful for settling disputes in the instance of an accident with no witnesses. In addition to helping to preserve your clean driving record, a dashcam can save you in the instance of insurance fraud and make you eligible for future discounts.

Winter tires

In Ontario, car insurance companies must, by law, provide drivers with discounts when they buy and install winter tires on their vehicles for colder parts of the year. This discount, which is usually around five per cent, may not be available until you renew your car insurance policy.

Updated driving record

Have a ticket on your driving record from a few years back? Graduated to a new license level? Have no tickets or at-fault accidents on your record at all? Updating your driving record to reflect the changes may help lower your car insurance premiums in Ontario.

Consider looking for a new policy

Even though you are covered under a current policy, it never hurts to look around to see if you could be paying less or if you are paying for add-ons you don’t need. At PC auto insurance, we shop up to eight different car insurance providers so you don’t have to – ensuring you get the best rates we can get for your situation.

Bundle insurance policies

Most insurance providers can offer additional discounts if you bundle your car insurance policy with other insurance policies. With PCinsurance, for example, you can bundle your car insurance policy with a home insurance policy with the same company to receive up to a 15 per cent discount.

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How does adding a new G1/G2 driver to my insurance affect costs?

Getting a driver’s license is an exciting milestone in your teenager’s life, but it can also be stressful as they venture out onto the roads. To ensure they are covered, car insurance is of course essential. There are several factors to consider when adding them to your existing car insurance policy in Ontario:


By law, all vehicles in Ontario must have adequate car insurance before they can be driven – regardless of who is behind the wheel. But G1 license holders cannot be listed as primary drivers on any car insurance policy.


Adding a new driver to your existing car insurance policy may not impact your premiums until your kid graduates to a G2 license level and becomes classified as an independent driver.


Most car insurance providers in Ontario offer discounts if your Teenager successfully completes an approved driver’s education program.

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Why is insurance more expensive if you live in the city?

Although rural backroads and small-towns in Ontario do have their own unique hazards, owning and driving a car in an urban area, like Toronto or Ottawa, carries significantly higher risks for everything from traffic accidents to theft to minor fender benders. Due to the higher risk associated with cars in the city, car insurance is generally more expensive in city centres.

What does my insurance policy cover?

Insurance policies have different levels and amounts in terms of coverage. While minimums in Ontario, like $200,000 in third-party liability, are legally required, higher coverage can help cover supplementary costs in the event of an accident resulting in injuries or a lawsuit. Compulsory car insurance also covers fixing your car in the event of a not-at-fault accident – regardless of who’s behind the wheel.

Additional add-ons to a car insurance policies include things like extra coverage in the event your vehicle is stolen or the cost of a rental when your vehicle is in the shop. Speak with a PC insurance broker for information on additional coverage which fits your situation.

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How is my deductible calculated?

Deductibles come in all sizes, but each carries a different price. For example, if you choose a lower deductible, you are not required to pay as much in the instance of a claim but may pay more in insurance premiums and vice versa.

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What does a car insurance deductible cover?

A car insurance deductible, in essence, is a predetermined amount of money required to be paid by the policyholder when a claim is filed. In Ontario, deductibles can vary, with standard base amounts at about $500 for collision coverage and $300 for comprehensive coverage. A higher deductible can mean lower car insurance premiums but means more money comes out of your pocket during a claim.

What types of car insurance does PC Insurance offer in Ontario?

In Ontario, there are certain mandatory elements of an insurance policy which must be present in order for a vehicle to be legally insured.

These four types of auto insurance are required by law in Ontario:

  • Liability

    This type of car insurance covers you if you are involved in an at-fault accident where the other driver files a lawsuit against you.

  • Accident benefits

    This type of car insurance covers anyone injured in your vehicle, including yourself, in an accident.

  • Direct compensation damage

    This type of car insurance covers any damage to your vehicle in an accident where you are not-at-fault or only partially at-fault as deemed by the insurance provider.

  • Uninsured automobile

    This type of car insurance covers you when you are involved in an accident with an uninsured driver or are involved in a hit-and-run.

    These two types of car insurance are optional additions:

    Comprehensive: This optional type of car insurance covers the loss of your vehicle in the instance of fire, theft or vandalism.

    Collision & Upset: This type of car insurance covers damage caused to you vehicle by impact with another car, roadside object or any damage sustained in a roll-over.