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Car insurance in Ontario
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Great rates and expert advice on car insurance in Ontario
Drivers in Ontario experience many different situations, from sitting in rush-hour traffic in Toronto, Etobicoke, and Scarborough, to navigating winter road conditions in Ottawa or further north. No matter what or where you drive, some coverage is mandatory for Ontario drivers, and you can add optional auto insurance coverages for extra protection.
What auto insurance is mandatory in Ontario?
Your car insurance policy must include some coverage to protect you financially against major risks. Here’s the insurance coverage that’s required by law for all drivers 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.
Direct compensation for property damage
Will repair or replace your vehicle or its contents if you’re involved in a collision in Ontario and aren’t at fault. This important coverage can only be removed by speaking to an Insurance Advisor.
Uninsured automobile coverage
Helps pay for repairs if an uninsured driver is at fault and provides benefits if you or your family are hurt or killed in an accident caused by an uninsured driver.
Optional and enhanced coverage in Ontario
Explore a range of additional important auto insurance coverage to protect your vehicle.
Optional coverages to protect your vehicle
Additional important insurance coverage recommended by RBC Insurance.
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Collision: Pays for the cost of repairing or replacing your vehicle if it collides with another car or an object.
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Comprehensive: Protects your car against a non-collision covered loss, such as theft, vandalism, or damage from animals, falling trees or objects, and weather.
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All perils: A combination of collision, comprehensive, and insurance against loss or damage if your vehicle is stolen by someone living in your home or who you hired to drive, service, or repair your vehicle.
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Specified perils: Customized coverage for specific situations. Call us at 1-877-749-7224 or have one of our Insurance Advisors call you.
Additional enhanced coverages
Enjoy even more peace of mind with these affordable options.
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Alternate transportation benefits: Helps pay for a rental car or other transportation if your vehicle is being repaired or replaced due to a covered accident.8
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Roadside assistance: Provides comprehensive emergency roadside and driver assistance to help when you need it most.
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Protection for your first at-fault accident: Protects your driving record and premiums from being affected by your first at-fault accident if you’ve been claims-free for at least 6 years.9
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Disappearing deductible: Reduces your policy deductible by 20% for each year your vehicle is claims-free.
Why choose RBC Insurance for car insurance in Ontario?
Here are just a few of the benefits you’ll get when you insure your vehicles with us.
How can I save money on car insurance in Ontario?
The cost of car insurance is determined by many factors. Here are some things you can do that may help you save money.
Best savings
Save by combining home and auto insurance
Save big when you bundle auto insurance and coverage for your primary residence.3
Get a car insurance quote in Ontario
Get your auto insurance quote today. It only takes a few minutes.4
Need help now? Call 1-877-749-7224
Frequently asked questions about car insurance in Ontario
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 automobile 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.
This free app is a usage-based insurance program that rewards safe driving behaviour. It tracks and collects your driving data to calculate your driving score, which determines your discount at renewal. The better the score means you’re practicing safer driving habits, which can save Ontario drivers up to 20% and Quebec drivers up to 25% on premiums at renewal. Riskier driving habits could result in an increase of up to 5% in premiums.
To enrol in the app, please speak with an RBC Insurance advisor. You can take advantage of the one-time 10% enrolment discount.
Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. is registered as a damage insurance agency. The driving app is called Aviva Journey and is currently only available to principal drivers in Ontario and Quebec.To learn more visit, Ontario aviva.ca/en/journey/faq-app Quebec https://www.aviva.ca/en/journey/faq-app/
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.
Learn more about car insurance in Ontario
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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. Conditions apply. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.
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 for a primary residence and two vehicles could save Ontario customers up to $805 per year, compared with average annual auto insurance premiums of $2,635 per vehicle and $1,438 for a homeowner’s policy for customers of RBC Insurance in Ontario prior to discounts. Condominium and tenant policies are excluded from this savings calculation. 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.
Conditions apply. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.
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.
Risks covered are not limited to those listed.
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.