Ontario Car Insurance Calculator

Calculate your Ontario car insurance estimates from 50+ insurance companies in one go

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How to get the cheapest Ontario car insurance estimate

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Compare your car insurance quotes from more than 50 top insurance companies.

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Why use a car insurance calculator? 

InsuranceHotline.com’s car insurance calculator helps you save money by finding the best Ontario car insurance rates from our network of 50+ leading insurance providers.

Our car insurance calculator will list available car insurance quotes from multiple providers. Here’s why else you should try InsuranceHotline.com’s car insurance calculator:

  1. It only takes a few minutes to apply for quotes.
  2. You can use it anytime and anywhere.
  3. Ontario calculator users save an average of $716* per year.

Information we need to calculate your Ontario car insurance estimates 

How is a car insurance premium calculated? In Ontario and beyond, car insurance providers use complex algorithms based on many factors to determine each driver's unique insurance rate. There are four main areas of consideration that are used to calculate a premium.

Driving record 

Your driving behaviour is the most critical factor you have the most control over. Having any of the following on your record will negatively impact your rate.

Licence suspensions 

Not having any license suspensions on your record benefits your premium. The Ministry of Transportation could suspend yours if you:

  • Are convicted for distracted driving, impaired driving, or driving without valid car insurance.
  • Have broken Ontario's graduated licencing rules (like driving without a fully licenced driver present).
  • Defaulting on unpaid fines for violating the Highway Traffic Act.
  • Accumulating 15 demerit points, which merits an automatic 30-day suspension.
  • You could also face suspension if your doctor thinks it's unsafe for you to drive. However, licence suspensions for medical reasons are not penalized by insurance companies.


According to insurance actuaries, a history of collisions is a reliable indicator of future crashes. If you were at fault for causing an accident, it will stay on your record for at least six years and raise your premium. It won't affect your premium if you are less than 25% at fault for an accident.

Traffic tickets  

Insurance companies will check whether you've received tickets for breaking Ontario's Highway Traffic Act.

There are different degrees of infractions:

  • Minor tickets (most speeding tickets)
  • Major tickets (distracted driving, driving without insurance, failing to report an accident, etc.)
  • Serious tickets (impaired driving, speeding over 50 km, racing, vehicular homicide, etc.).

Even a single ticket for a minor offence can raise your premium by hundreds of dollars annually (good news: parking tickets don't fall under this category). If you've received:

  • Several tickets for minor infractions,
  • One major conviction,
  • Or a combination of all three types,

Your insurance company will deem you to be high-risk to insure. It may refer you to an insurer who specializes in covering risky drivers.

Insurance cancellations 

Your rate will increase if your insurance company cancels your policy (you'll also have difficulty getting insurance elsewhere). This can happen if you:

  • Don't pay your premium.
  • Commit fraud (making fraudulent claims or lying about your address).
  • Exhibit poor driving behaviour.
  • Break the terms of your policy (like using your car to work for a rideshare platform without notifying your insurer first and buying rideshare insurance).

You can cancel your policy without having it affect your insurance history. There's a cancellation process, and you may have to pay a fee. Don't 'ghost' your insurance company by not paying your premium.

Your risk profile 

Here are some of the elements that determine your risk profile.

  • Insurance and claims history — Insurance companies will give you their preferred rate if you've held insurance for a few years, have shown that you pay your bills on time and have yet to make any significant claims within the last decade.
  • Marital status — Some insurance companies rate married couples more favourably than single ones; they're deemed more responsible.
  • Your home address — Auto insurance is more expensive for city dwellers than for rural residents. Some neighbourhoods within cities are surcharged due to claims activity in the area, like elevated theft rates and collisions.
  • Age and gender — People in their teens and early twenties, especially males, are the most expensive to insure. Insurance decreases after age 25, and for most, there's little difference between what men and women pay by age 30.
  • Driver's licence class — Your insurance premium will decrease as you move through Ontario's graduated licensing system.
  • Your average daily commute — The more you drive, the more you pay for insurance. More time on the road increases the likelihood of being involved in a collision, even if you're a good driver.

The vehicle you drive 

The make and model of the vehicle you drive play a role in determining insurance costs. It depends on susceptible your car is to theft. Auto theft is a huge problem in Ontario and across the country, with certain vehicles being more prone to theft—and thus insurance claims—than others. Insurers will base your premium on whether you drive a frequently stolen car.

Auto theft is frequently tied to auto insurance fraud, one of the driving factors behind increasing insurance rates. When insurance companies pay claims related to stolen vehicles connected to a greater fraud scheme, the cost is passed on to consumers through higher insurance premiums.

One way to reduce your car insurance rates is to purchase a car that's cheaper to insure. According to InsuranceHotline.com data, this includes vehicles such as Volkswagen Golf, Chevrolet Cruze and Toyota Camry.

If you're in the market for a new vehicle, using the car insurance calculator is one way to determine your insurance premiums.

Additional auto insurance coverage 

The amount of insurance coverage you get also comes into play. In Ontario, drivers legally need to have, at minimum, the following coverage:

  • A minimum of $200,000 in third-party liability coverage – Protects you in a lawsuit if someone is injured, killed, or their property is damaged.
  • Statutory accident benefits coverage – Provides medical benefits if you are injured in a car accident, regardless of who is at fault.
  • Direct compensation property damage (DCPD) coverage – Covers damage to your vehicle if someone else is at fault.
  • Uninsured automobile coverage – Provides coverage if you, or someone in your family, is injured or killed by an uninsured motorist or in a hit-and-run.

While this is the standard amount of coverage, many motorists opt to increase liability coverage to a minimum of $1 million. There are also additional types of insurance you can add to your policy for additional coverage, including extra vehicle protection:

  • Specified perils or comprehensive auto insurance coverage – Protects against named perils such as fire, theft, hail, lightning, or all available perils, depending on the comprehension of the policy.
  • Collision coverage — Covers damage to your vehicle when it collides with another car or object, and you're responsible for the collision.

There are also additional optional medical benefits protection you can get, some of which include:

  • Income replacement benefits – Provides payout if you cannot work due to an accident. Various levels of coverage are available.
  • Death and funeral benefits – Provides additional payout to family members to help with expenses if you are killed or die due to an automobile accident.
  • Medical, rehabilitation and attendant care benefits – Extends your accident benefits in the event of a catastrophic injury.

The Ontario car insurance calculator factors standard mandatory coverage into the quotes. However, your estimate may change if you add these or other optional benefits to your car insurance policy.

Your insurance company 

Just as insurance providers look at your claims history, they also take into consideration their own. For example, if claims activity was high the previous year, rates may increase over time to offset these expenses. Unfortunately, these costs are passed down to drivers through rate increases.

Insurance companies base your rates on your driving record and their experience in insuring drivers with similar driving profiles. Your level of risk is based in part on the associated risk.

How can I be with the 'wrong' insurance company? 

No single company offers the best car insurance rate for everyone. As you can see, a lot goes into calculating an auto insurance rate — and every insurance company calculates their rates differently based on these factors.

It often boils down to the insurer's claims experience, and it's safe to say from this standpoint that all insurers have different backgrounds. Furthermore, an insurer's claims experience will change over time. So even if you were with the 'right' company three years ago, they could be the 'wrong' company for you today.

Comparing your rates regularly using a car insurance calculator is the best way to ensure you're still paying the best rates. Save time and money with InsuranceHotline.com's car insurance calculator.

Get your cheapest car insurance estimate using our Ontario car insurance calculator

No matter where you live, what you drive, or your history, there are things you can do to lower your rate. Here are our top tips.

1. Compare annually. Using a car insurance calculator to get estimates from multiple insurance companies is an effective, efficient way to shave hundreds of dollars off your annual insurance bill instantly.When using the car insurance calculator, you want to be as accurate as possible when entering information in order to receive the most accurate quotes. The more precise you are, the more precise your quotes will be.

2. Bundle your insurance. Choose the bundle option if youre open to having your home and car insurance under the same provider. It will help you save even more!

3. Try a telematics program. Choose the telematics option when filling out the calculator form. Telematics technology lets car insurance companies monitor how much and how well you drive by installing a GPS device through your cars onboard computer. The insurance companies supply the device. It qualifies you to enroll in pay-as-you-go auto insurance programs or receive additional discounts for safe driving behaviour.

4. Take advantage of memberships. Insurance companies offer individual and group discounts and ones for driving an eco-friendly car. Other discounts include ones for bundling car and home insurance, making regular payments (be it a lump sum or monthly automated ones), buying a new vehicle, installing anti-theft devices, taking driver training classes, and even being a good student (if you're enrolled in post-secondary). Cheaper rates are also possible through group insurance programs offered by professional organizations, workplaces, or your alma mater

5. Adjust your deductible. Your deductible also impacts your rates. The deductible is the amount you pay in the event of a claim. Most insurers set deductibles at $500, but you may get a lower premium if you raise your deductible to $1,000. If you increase your deductible, ensure you have enough money to cover it.

6. Use winter tires. The specially designed treads on winter tires push away water, snow, and ice. Driving on them between November 1 and April 1 could deliver a discount of up to 5% on your premium.

Find out how much you could be saving with InsuranceHotline.coms car insurance calculator today.

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*Shoppers in Ontario who obtained a quote on InsuranceHotline.com from January to December 2022 saved an average of $716 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by InsuranceHotline.com.