Compare and purchase the best
car insurance rates in Ontario.

Auto insurance rates in Ontario are influenced by a combination of regulatory oversight and insurer-specific data. Individual insurance companies calculate your premium based on several key factors: 

• Insurance industry data: This includes claims volume in your area, local fraud rates, and repair costs — all of which impact overall risk and pricing.
• Your driving history: Insurers review your past 6+ years of claims and 3+ years of traffic violations to assess risk.
• Your coverage level: Ontario drivers can choose from several levels of coverage:
• Third-party liability (mandatory minimum)
• Liability + collision + comprehensive (full coverage)
• Liability + collision OR comprehensive (mid-tier option) 

If you’re leasing or financing a vehicle, full coverage is typically required as part of your agreement. 

The best way to make sure you’re getting the best deal available to you for car insurance is by getting multiple car insurance quotes and being eligible for auto insurance discounts.

To help you with the first part of the above statement, Surex has partnered with the top car insurers in Ontario. Our partner insurance carriers include:

Aviva, Economical, Gore, Intact, Jevco, Pafco, Pembridge, RSA, SGI, Travelers, and Wawanesa

The next part is up to you. If you’re eligible for car insurance discounts, this is a great way to lower your annual car insurance premium amount. The top 3 discounts insurers offer are:

Good credit discount - The largest discount the vast majority of auto insurers offer is a good credit discount. Basically, if you have a history of always paying your bills, auto insurers want you as a client.

When you’re filling out your online Surex quote, you’ll be asked if we can do a soft hit of your credit score. This soft hit will not impact your credit score. If you choose to allow us to do this, a credit score of 650+ can save you up to 20% off your annual car insurance premium amount.

Claims-free discount - One way to demonstrate you’re a responsible driver is by going an extended amount of time without being at-fault in an automobile accident. Some car insurers will offer a claims-free discount, which can save you up to 10% off your annual car insurance rates, after 6 years of claims-free driving.

Conviction-free discount - Another way to demonstrate you’re a responsible driver is by avoiding traffic convictions. If you’ve gone at least 3 years without a traffic conviction -- photo radar & parking tickets are excluded -- then some insurers will offer you a conviction-free discount. A convictions-free discount can save you up to 10% off your annual auto insurance premium amount.

Personal auto insurance history - This relates at-fault claims on your record. The better your driving record, the better your rates will be -- all things equal - compared to someone with multiple claims on their record.

Bill payment history - The car insurer you choose to place your business with will want to know your prior history of paying your insurance bills.

Geography - If you live in a city or area that has a high amount of car insurance claims, then your auto insurance rates will be -- all things equal -- higher than someone in a geographic area that sees minimal claims.

Coverage - There are three auto insurance coverages available in ON:

• Third party liability - This is the legal minimum of auto coverage in Ontario.
• Liability, Collision & Comprehensive - This is the maximum amount of car insurance coverage in Ontario.
• Liability, Collision OR Comprehensive - The medium fries of auto coverage. More than the minimum but not quite the large.

Options - A variety of options can be added to a car insurance policy, including - accident forgiveness, limited depreciation (for new vehicles) coverage, rented vehicle coverage, towing packages, etc. Surex also has options to keep costs down by taking away coverage like hail or glass. Your Surex Personal Assistant will be able to elaborate on the options available to you.

Deductible amount - Your car insurance deductible is the amount you have to pay, out of pocket, to activate your policy. In Ontario, deductible amounts are usually $250, $500 or $1000. The value of your vehicle, type of coverage you have and the insurer you choose to place your business with are factors in your deductible amount.

Whether your vehicle is leased or financed - As part of your leasing or financing agreement, certain coverages will be required, until your vehicle is paid off in full. In the vast majority of cases, full (liability, collision & comprehensive) coverage is required, as per your leasing or financing agreement.

Discounts - Your Surex Personal Assistant will do all they can to find car insurance discounts you qualify for. We know the #1 reason a person will switch their business to us is price, which is why we do our best to get you the cheapest rate on car insurance.

There’s no one-size-fits-all answer, as car insurance rates in Ontario vary widely depending on your personal profile. Factors like your coverage level, driving history, and where you live all play a role. The best way to find your rate is to compare quotes based on your specific needs.

Yes! You can get same-day car insurance in Ontario through Surex. 

Our online platform lets you compare multiple quotes in minutes, review transparent pricing, and work with a dedicated insurance advisor to confirm the best option for you. Once you sign your documents electronically, you’ll receive instant proof of insurance while your official pink cards are on the way. 

Winter tires aren’t legally required in Ontario, but they’re strongly recommended for safer driving during cold and snowy months. 

Many insurers, including most of Surex’s partners, offer a 2% to 5% discount on your annual premium if your vehicle is equipped with winter tires between November 1 and April 1. You’ll need to provide proof of purchase or installation to qualify. 

If you have good credit and a history of paying your insurance bills on time, then many insurers will make the monthly payment option or quarterly payment option available to you.

On the flip side, if you’ve struggled in the past to pay your monthly insurance bills on time, then these flexible installment options may no longer be available to you, through certain insurers.

The cheapest cars to insure in Ontario are ones that are safe, practical, and inexpensive to repair. Think compact sedans and hatchbacks with strong safety ratings and low theft risk. 

But no matter what you drive, the best way to lower your premium as a first-time driver is by completing a certified driver’s training course. In Ontario and many other provinces, this can boost your driver star rating — essentially giving you credit for up to two years of clean driving, which helps reduce your rate. 

Yes! Not all car insurers offer a telematics program, though. Surex currently has two partner insurers in ON -- Intact & Pembridge -- that offer a telematics program and ensuing auto insurance discounts.

Speak with your Surex Personal Assistant to find out more about how these programs work and the amount you can save on your car insurance premiums (initially it will save you 5-10%, but that number can increase after a year).