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Car Insurance Ontario

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Get Cheap Car Insurance Quotes in Ontario Completely Online

In Ontario, auto insurance is a must-have, whether you’re the proud owner, financing, or leasing your vehicle. It’s your legal shield and financial safety net on the road. But understanding the ins and outs of Car insurance can be overwhelming. That’s where McDougall comes in.

As your trusted Auto insurance broker in Ontario, McDougall is here to simplify the process and find the perfect Car Insurance coverage tailored just for you. From transferring your driver’s license to the Ministry of Transportation to navigating the intricacies of your policy, we’ve got the expertise and dedication to ensure you’re fully protected.

Get the best car insurance in Ontario with McDougall Insurance. Obtain affordable and cheap car insurance for Ontario drivers effortlessly. Reach out to one of our knowledgeable Ontario car insurance brokers today!


What Does Car Insurance in Ontario Cover ?

When it comes to car insurance, Ontario mandates getting coverage. The government regulates a certain minimum of coverage, after which point any additional coverage is optional. If you want cheap car insurance in Ontario, you can opt for the bare minimum – but what kind of protection would that give you? McDougall prefers to help you find affordable auto insurance in Ontario, not what’s “cheapest.” Car insurance gives Ontario drivers peace of mind while they’re out on their daily commutes.

Get an online car insurance quote in Ontario with McDougall. Just tell us a little bit about your vehicle and we’ll handle the remainder. There are no worries when you have a McDougall expert in your corner. 

Car Insurance Ontario: Products

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Ontario Car Insurance: Mandatory Coverage

In Ontario, the government regulates that individuals must carry the following coverage:

  • Liability for Bodily Injury
  • Liability for Property Damage
  • Direct Compensation
  • Uninsured Motorists
  • Accident Benefits

Liability Coverage protects you from damage you do to others or to property in a car accident. In Ontario, $1,000,000 liability is common, but at McDougall Insurance, our Ontario car insurance brokers and experts recommend that everyone should have a $2,000,000 liability limit. The cost of lawsuits continue to increase and doubling your liability coverage typically has a very minimal cost.  

If you want to get the cheapest car insurance in Ontario, you can technically suffice with what is mandatory alone, but that’s not the kind of protection you’d want. Rather, you want affordable protection (which we can do for you!) and the best car insurance in Ontario possible. We get you the best rates for the best price.  

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Direct Compensation Property Damage (DCPD)

Direct Compensation Property Damage (DCPD) is a type of coverage in car insurance specific to certain provinces in Canada, including Ontario. DCPD is part of the no-fault system, which means that regardless of who is at fault in an accident, each party deals with their own insurance company for compensation.

Your insurer will assess fault to determine if your premiums need adjustment, potentially increasing them if you are deemed at fault. Across Ontario, insurance companies follow standardized fault determination rules for both car accidents and property damage claims. These regulations remain consistent regardless of various factors such as weather, road conditions, pedestrian actions, visibility, or the point of impact on the vehicle.


It’s important to highlight that Direct Compensation Property Damage (DCPD) coverage only becomes applicable under these specific circumstances:

  • You are not deemed at fault for the accident.
  • The accident occurs within Ontario.
  • The accident involves at least two vehicles.
  • All parties involved in the accident are insured by companies licensed in Ontario.



Third-Party Liability Insurance Coverage

In Ontario, Third-party liability coverage in car insurance protects you financially if you’re found legally responsible for injuring someone else or damaging their property with your vehicle. It helps cover the costs of legal fees, medical bills, and property damage incurred by others as a result of an accident where you’re at fault. In Ontario, like in many other places, the minimum required third-party liability coverage levels are set by the government, but drivers can choose to purchase additional coverage for greater protection.

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No Fault Insurance For Ontario Drivers

In Ontario, we have something called no-fault insurance, which means regardless of who is at fault, each insurance company pays for the damage to each car. Part of your Car insurance premium is for this protection. The idea behind the no-fault insurance process is to simplify the claims process so that your own insurance company handles your claim regardless of whether you are at fault or not.

Accident Benefits Coverage in Ontario

The government includes basic medical benefits for all drivers to protect them in the event of injury. However, there are options to purchase additional coverage. We recommend you consider additional coverage, based on your health plan at work and your family’s needs. Often time the standard limits are not enough especially in the medical, rehabilitation and attendant care portion of your accident benefits policy.

Experts estimate that 10-15% of drivers in Ontario do not carry auto insurance. Although, thanks to the technology in police vehicles that number is decreasing. Regardless, you need protection from these people who operate outside the law. Part of your premium is for this protection. Discuss any potential coverage enhancements with an auto insurance broker from McDougall Insurance.

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Read more:

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Ontario Car Insurance: Optional Coverage

Collision Car Insurance Coverage Option

If you are in a car accident where you are deemed to be at fault, you need collision coverage to protect the physical damage to your own vehicle. This also protects you in a hit & run and parking lot accidents. This Auto Insurance coverage is subject to a deductible, which means if you submit a claim under the optional collision portion you will be required to pay your deductible and then your insurance coverage will pay the rest. The standard deductible is $500 but you do have the option with most insurance companies to increase or decrease that amount. Work with our car insurance brokers in Ontario to determine an adequate amount for your vehicle.

Read more:

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Comprehensive Auto Insurance Coverage Option

Similar to collision coverage, comprehensive coverage is optional on your car insurance policy in Ontario and can be added for an additional premium. Comprehensive coverage is also subject to a deductible and protects you from fire, theft, vandalism, falling objects, and collision with an animal. It also covers glass repairs and if you repair a glass chip before it cracks your insurance company will often waive your deductible. Again, our auto insurance brokers in Ontario can work with you to determine an adequate deductible based on your comfort level and budget.

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Car Insurance Endorsements in Ontario

Loss of Use Endorsement

Often referred to as OPCF 20 the loss of use endorsement provides coverage that allows you to rent a car while your vehicle is being repaired. This coverage is typically very inexpensive and is helpful if you do get into a claim situation where you require a rental vehicle. Without this car insurance coverage in Ontario, you will be responsible for finding your own transportation while your car is being repaired.

OPCF 20 Coverage Explained

Liability For Damage To Non-Owned Vehicles Endorsement

This is the coverage you should have if you ever rent a vehicle while travelling. It saves you from paying the rental car company insurance rates, which are usually per day. The coverage is good anywhere in Canada and the United States. For more details, make sure you ask our car insurance brokers in Ontario before your trip as certain limits may apply!

Claims Forgiveness Protection

You have earned a good driving record. We want to see you keep it. Claims forgiveness, known as accident forgiveness, allows you to protect your record and maintain your driver rating after an at-fault accident. Ask your friendly local McDougall car insurance broker about this endorsement.

Limited Waiver Of Depreciation Endorsement

This endorsement also referred to as the OPCF 43 will waive depreciation on new vehicles. This coverage can be applied for 24 – 48 months. This means that if your new car is in an accident a year or two after you buy it, you can replace it with a brand-new vehicle or receive the value of your vehicle when you purchased it, not the depreciated value. This is an excellent coverage to help maximize the value you will receive in a claim situation for new vehicles. You will need to provide a bill of sale or purchase agreement to your insurance company to receive the endorsement.

Did you know?

Some of our companies have car insurance discounts for short commutes.
Let us know how far you drive to work and you can save. Or, maybe you work in your home. No commute? More savings.

Get an online car insurance quote in Ontario to see how your shorter commute may translate into higher savings, or reach out to discuss with a McDougall car insurance broker today.

How Much Does Auto Insurance Cost in Ontario?

The average annual cost for car insurance in Ontario is $1655.5. A ranges from $1,500 to $2,000 per year for most drivers. This number can increase significantly for high-risk drivers in Ontario or those with poor driving records.

Several factors influence Ontario auto insurance costs, such as driving record, age, location, vehicle type, and coverage selections. It’s crucial to understand that the mandatory liability insurance level mandated by law might not offer adequate protection for every driver.

To get an accurate estimate of how much auto insurance will cost you, it is best to speak with a licensed Car insurance broker in Ontario who will take into account all relevant factors and provide you with personalized quotes from multiple insurance companies.


Readmore: How is Your Car Insurance Calculated?


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Factors that Determine Auto Insurance Cost in Ontario

Several factors can impact the cost of car insurance in Ontario. These include:

Driving Records

Drivers with a clean history and record generally pay lower premiums compared to those with a history of accidents or traffic violations.


Vehicle Type

The make, model, and year of your vehicle can also affect your Ontario Car insurance rates. Cars that are more expensive to repair or have a higher risk of theft may result in higher premiums.


Where you live can also play a role in your Car insurance rates. Areas with higher rates of accidents, vehicle theft, and severe weather may have higher premiums.


Coverage and Deductibles

The type and amount of Car insurance coverage you choose for your policy, as well as your deductibles, can impact the cost of your Ontario Car insurance.

Age and Gender

Younger drivers often face higher Car insurance premiums because of their limited driving experience, whereas older drivers might encounter rate hikes once they reach a certain age. Additionally, males tend to have higher insurance rates compared to females in some cities.


Credit Score

In Ontario, insurance companies may use credit scores to determine premiums. Drivers with a higher credit score may be eligible for lower Auto Insurance rates in Ontario.

Does My Credit Score Affect My Insurance Premium?

How to Lower Auto Insurance Premium in Ontario

There are a few ways to lower your car insurance rate in Ontario.

Maintain a Good Driving Record:

Having a clean driving record can help lower your car insurance rates in Ontario. Avoiding accidents and traffic violations shows insurance companies that you are a low-risk driver.

Increase Your Deductibles:

By increasing your deductibles, you may be able to lower your Auto insurance premiums. Just be sure that you have enough money set aside to cover the deductible in case of an accident.

Take Advantage of Discount:

Several insurance providers provide discounts for various reasons such as bundling multiple policies, maintaining an excellent record, and installing safety features in your vehicle. Be sure to ask your Auto insurance provider about any potential discounts you may be eligible for.


Choose the Right Auto Insurance Coverage:

It is important to choose the right Auto Insurance coverage in Ontario for your specific needs. While it may be tempting to opt for the cheapest option, this may not provide enough coverage in case of an accident. Consider factors such as your vehicle’s value, your driving habits, and any potential risks.

Regularly Review Your Policy:

As your circumstances change, so should your insurance policy. Be sure to regularly review your coverage and make updates as necessary to ensure you have the right protection at the best price.

To speak with a licensed professional about Auto Insurance Coverages, please call us at 1-800-361-0941.

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FAQ’s: Car Insurance Ontario

Yes, auto insurance is mandatory to carry in Ontario. In order to register a vehicle or renew your registration in Ontario you need to provide proof of insurance. If you are caught driving without insurance you will be fined and your license will be suspended. Don’t risk it. Get auto insurance quotes in Ontario with McDougall.

Readmore: How to renew your license plate in Ontario?

Great question! You can remove or reduce coverage off a vehicle if you are not driving it, but be aware that you need to add back liability coverage to make the vehicle road legal again. Even if you are not driving your vehicle it can still be a good idea to carry comprehensive coverage on the vehicle. This covers you from things like vandalism, theft, fire, wind and more. Many drivers who have summer vehicles choose to do this when they put the vehicle away for the winter.

Checkout: How to Prepare Your Home and Vehicle for Winter

Anyone with your permission and a valid driver’s license can drive your vehicle in Ontario. Insurance policies follow the vehicle, not the individual, which means if someone gets into an accident in your vehicle it will be your policy that is impacted. If you want cheap auto insurance in Ontario, it’s advised you stay mindful about who you lend your vehicle to so as to avoid any at-fault accidents adding to your driving record.

McDougall Insurance doesn’t love the word “cheap” because it implies poor quality, and you should never have to suffice with “just enough” when it comes to your auto insurance. Instead, we prefer getting you affordable insurance so you can be confident on the road with the right protection – i.e., the best car insurance in Ontario over the cheapest.

The average annual cost for car insurance in Ontario is $1655.5. A ranges from $1,500 to $2,000 per year for most drivers. They vary according to where the driver lives, the type of vehicles used to operate, the driver’s history and countless more factors.

Car Insurance Brokers in Ontario understand your risks using the experience of insurance brokers and assessing your needs; they can evaluate every option to determine if the plan is suitable for your risk. Brokers are committed to providing you with personal service and take their time to understand you and develop lasting relationships.

There are several ways you can potentially lower your car insurance rates in Ontario. Some options include: increasing your deductibles, maintaining an excellent driving record, taking advantage of discounts (e.g. for bundling policies or having a clean driving record), and choosing the right coverage for your needs. It is also important to regularly review your policy and make updates as necessary.

The minimum car insurance required in Ontario is $200,000 in third-party liability coverage. However, it is recommended to have more than the minimum coverage to better protect yourself and your vehicle.

The cheapest form of car insurance may differ depending on the individual driver’s circumstances. However, options such as liability-only coverage or increasing your deductibles can potentially lower your premiums. It is important to consider your unique situation and needs when choosing the right coverage for you. Insurance companies also offer discounts for things like having a clean record or bundling multiple policies together, so it is worth shopping around and comparing quotes from different providers. Ultimately, the cheapest form of insurance may not always provide the most adequate coverage for your specific needs and it is important to consider all factors when making a decision.

An insurance agent works directly for an insurance company and sells their policies, while an insurance broker works independently and can offer policies from multiple companies. Agents are typically more knowledgeable about the specific policies offered by their company, while brokers have a wider range of options to choose from. Both agents and brokers must be licensed to sell insurance in Ontario.

If you are involved in an accident with an uninsured driver in Ontario, you can still be protected through your insurance coverage. The Uninsured Automobile Coverage of your policy will cover damages to your vehicle and any injuries sustained by yourself or your passengers. However, this may result in a surcharge on your premiums as the at-fault driver is unable to cover the costs.

Actual cash value refers to the current market value of an item, while replacement cost is the amount it would take to replace that item with a new one of similar kind and quality. In terms of insurance, actual cash value coverage will reimburse you for the depreciated value of your damaged or stolen items, while replacement cost coverage will provide enough funds for you to purchase a brand-new item to replace the damaged one. Generally, replacement cost coverage will result in higher premiums, but it can provide better protection in case of a loss or damage to your belongings.

You do not need to list a G1 licensed driver on your policy. When the driver graduates to their G2 license they will need to be listed on the policy. For more information check out our blogs:

What Our Customers Are Saying

Don & Leanne

Mike Cunha was wonderful to deal with on quoting my auto and home insurance. I would highly recommend this company and Mike for all your insurance needs.

Candy Campbell

Great broker at McDougall. Changed everything over. Dan will take care of you !

Gwelda MacDonald

After being with our previous broker for over 30 years we decided to switch in hopes of a better level of customer service and are extremely pleased with our experience with McDougall’s. We recommend McDougall’s to family and friends.

Debbie Gordanier

I have been very pleased with the efficient and friendly service that we receive. It’s comforting to be able to pick up the phone and know I will get the answers that are required without hassle. Helpful, accommodating and always pleasant. I would recommend McDougall Insurance to others!

Rebecca John

McDougall Insurance has been the insurance brokerage I’ve dealt with since I started buying insurance policies in 2007. I have been extremely happy with the service provided by McDougall and their staff.

Eric Irvine

Been dealing with McDougall/Brister Group Winchester for at least the past 5 years and the service has been excellent. Our broker William Barclay is very helpful and helped us save money with the best possible insurance quotes and goes above and beyond with his customer service!

Gwelda MacDonald

After being with our previous broker for over 30 years we decided to switch in hopes of a better level of customer service and are extremely pleased with our experience with McDougall’s. Their representative, LesLee MacDonald, is proactive with regards to our evolving needs, personable and highly professional. We recommend McDougall’s to family and friends.

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