How to Save on Car Insurance in Ontario
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Advantages & Benefits
Get these benefits with your car insurance, no matter what coverage you pick.
Lifetime Guarantee on Covered Repairs5
Enjoy a lifetime guarantee on any repairs made through an expansive vendor network.
Quick and Simple Claims Process
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We’ve got you covered.
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.This is important coverage and can only be removed at the request of the policyholder by speaking to one of our Insurance Advisors.
Optional Coverage to Protect Your Vehicle
Explore a range of additional important auto insurance coverage to protect your vehicle, recommended by RBC Insurance.
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.
Protection to repair or replace (up to the actual cash value) your car in the event of a covered loss not related to a collision, such as theft or attempted theft, vandalism, damage caused from animals, falling trees or objects, and weather7.
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 (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 accident8.
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 years9.
Reduces your policy deductible by 20% for each year your vehicle is claims-free.
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.
Certain conditions, limitations and exclusions may apply. For detailed information about how savings could apply to you, including saving opportunities for condominium owners and tenants, speak with a licensed RBC Insurance advisor.