Ontario Auto Insurance

In Ontario, all registered vehicles must have insurance provided by a private insurer. Accident benefits and the right to sue in specific situations are set out in a combination no-fault and tort-based system. 

After an accident, will cover your car, your car's driver and passengers, and pedestrians and property involved in the accident. Driving without insurance is a very serious offence – the fine* for a first conviction is a minimum of $5,000.  

In the event of an accident that results in injuries to you, your insurance company will:

  • Help provide the medical/rehabilitation care to get you well
  • Provide financial assistance to you if you are unable to work
  • Provide financial protection if you hurt someone and are sued

Before you put licence plates on your car, renew your vehicle registration or buy a temporary (trip) permit, you need to purchase auto insurance. The Ontario Ministry of Transportation provides specific guidelines for licensing a vehicle in the province. The right auto insurance coverage is essential if you are a car owner. By law, Ontario vehicle owners must buy a mandatory amount of insurance. More than 100 private insurance companies offer auto insurance to customers and compete on the basis of price, coverage and service.

What Mandatory Insurance Covers

Mandatory third-party liability coverage protects an insured Ontario driver and/or car owner in the event that someone is killed, injured or suffers property damage as a result of the driver's negligence. For a minor injury, no-fault medical payments are limited to $3,500. Additional limits for non-minor and catastrophic injuries apply. Ontarians have options to buy additional coverage depending on their needs. Learn more about Mandatory Auto Insurance coverage.

Looking to Insure Your Car?

Insurance coverages are subject to change. When you buy or renew auto insurance, it's important to understand what's currently mandatory within the province of Ontario. Evaluate an insurer's price, coverage and service options as well as shop around to help lower your costs. 

Insurers pay $2 billion per year into Canada's health care system.