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Discover great rates, expert advice, and a range of insurance coverage options to help you find the protection that’s right for you and your car.

How to Save on Car Insurance in Ontario

Bundle your home and auto insurance policies
Insure multiple vehicles
Install winter tires
Preferred group insurance rates
Retiree discount
Drive safe and save

Save up to $715 on Combined Home and Auto Insurance

Save big when you bundle auto insurance and coverage for your primary residence.

illustation of a car parked in front of a home

Advantages & Benefits

Get these benefits with your car insurance, no matter what coverage you pick.

Lifetime Guarantee on Covered Repairs

Enjoy a lifetime guarantee on any repairs made through an expansive vendor network.

Quick and Simple Claims Process

Friendly representatives make the claims process quick and convenient.

Anonymous Claims Advice

Get car insurance claims advice without affecting your policy or premium.

What’s Included & Optional Coverage

We’ve got you covered for everything required by the law in Ontario:

Liability Coverage

Helps protect you financially if you are legally liable for injuring someone or causing damage to another person’s property while driving your vehicle.

Accident Benefits Coverage

Replaces lost income, pays for medical or other expenses and may provide a death benefit to loved ones if a covered accident were to happen.

Uninsured Motorist / Uninsured Automobile Coverage

Helps pay for the costs of repairs if an uninsured driver is at fault. Benefits are provided if you or your family are hurt or kiIled in an accident caused by an uninsured driver.

Direct Compensation for Property Damage Coverage

Will repair or replace your vehicle (or its contents) if you’re involved in a collision in Ontario and aren’t at fault.

Optional Coverage to Protect Your Vehicle

Explore a range of additional important auto insurance coverage to protect your vehicle, recommended by RBC Insurance.

Collision coverage

Pays for the cost of repairing or replacing your vehicle up to the actual cash value if it collides with another vehicle or an object.

Comprehensive coverage

Pays for the cost of repairing or replacing your vehicle up to the actual cash value if it’s damaged by other unexpected situations.

All Perils coverage

A combination of Collision and Comprehensive Coverage that also insures your vehicle against loss or damage if it’s stolen by someone living in your home or by someone you hired to drive, service, or repair your vehicle.

Specified Perils coverage

Customized for you: call us at 1-877-749-7224 or have one of our Insurance Advisors call you (opens new window) about coverage for specific situations.

Additional Enhanced Coverages

Enjoy even more peace of mind with these affordable options.

What Additional Optional Car Insurance Benefits Are Available in Ontario?

Alternate Transportation Benefits

The Loss of Vehicle Use coverage helps pay for a rental car or other transportation if your vehicle is being repaired or replaced due to a covered accident.

Roadside Assistance

Provides comprehensive emergency roadside and driver assistance to help when you need it most.

Protection for Your First At-Fault Accident

The Accident Rating Waiver coverage protects your driving record and premiums from being affected by your first at-fault accident if you’ve had a license and been claims-free for at least 6 years.

Disappearing Deductible

Reduces your policy deductible by 20% for each year your vehicle is claims-free.


Worry-Free Bundle

Includes the Accident Rating Waiver, Disappearing Deductible, and additional coverages when you’re driving vehicles you don’t own.

Frequently Asked Questions

Because each person's situation is unique, there isn't a single answer to this question. Insurance companies calculate your car insurance premium taking into account a variety of factors:

  • Type and amount of coverage you want,
  • Make, model, and year of your vehicle
  • Your driving record—including claims and traffic ticket convictions
  • Where you live, and
  • Vehicle use (business, commuting, or pleasure driving)

The following coverages are mandatory in Ontario:

  • Liability coverage
  • Accident Benefits coverage
  • Uninsured Motorist or Uninsured Automobile coverage
  • Direct Compensation for Property Damage coverage

You can also add other coverages for even more protection. Your policy becomes effective after you select your coverages and pay your first premium.

Vehicles that are less expensive to repair will typically cost less to insure.

Tip: If you're shopping for a new car and looking for the best insurance value, an RBC Insurance advisor can give you a no-obligation quote for each of the models you're considering.

You may be able to add additional drivers to your policy. Speak with an RBC Insurance advisor to help you find the right coverage for you and to learn more about who else might be eligible to drive your vehicle.

In Ontario, you cannot register a car and get license plates without insurance. Proof of insurance usually comes in the form of an insurance pink slip.

No, the Ontario government does not charge harmonized sales tax (HST) on car insurance.

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Whatever Your Needs, We Can Help

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Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. As a result of government-run auto insurance plans, car insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.
The information on this website is intended as a summary only. All products and services are subject to the terms and conditions of the applicable insurance contract.
All savings opportunities are based on filed discounts and rates in force and vary based on each individual’s insurance profile and are not guaranteed. Switching insurance and combining home insurance and two auto insurance policies could save you up to $715 per year, based on an annual average RBC auto insurance premium in Ontario of $2,469 per vehicle and $1,140 for a homeowner’s policy. Certain conditions, limitations and exclusions may apply. For detailed information about how savings could apply to you, speak with a licensed RBC Insurance advisor.
The repairs are guaranteed as long as you are insured through us.
Service provided by Aviva General Insurance Company. Clients may call 1-888-885-5915 (Mon-Fri, 9am-5pm, ET). Service not available in Quebec. Quebec residents may call 1-888-563-7119 for questions about their policy and coverages.
Unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, a natural disaster, or a riot or civil disobedience.
The Loss of Vehicle Use endorsement provides coverage for reasonable costs up to the limit in your policy. Certain conditions apply.
Coverage applies to the vehicle on which it is purchased. To qualify for this coverage, the automobile must meet all eligibility requirements. Please speak to an RBC licensed insurance advisor to see if you qualify.