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Car Insurance in Ontario

When you purchase a car, there are many different things that you need to sign and/or buy. One of the most important things you need to get for your new car is insurance. If this is your first time buying a car or you are new to Ontario, you might be confused about the rules of car insurance. Here at Bell Auto Inc., we want to make the entire car-buying process smooth and stress-free! Below, we have shared everything that you need to know about getting car insurance in Ontario!

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What is Ontario Law for car insurance?

In Ontario, it is required that every driver has car insurance on the vehicle that they drive. The insurance policy on their vehicle must include:

  • Third-Party Liability Coverage – a $200,000 minimum in case someone is killed or injured
  • Statutory Accident Benefits Coverage – benefits you if you are injured no matter who is at fault
  • Direct Compensation and Property Damage Coverage – benefits for damage to your vehicle and possessions inside if another driver was at fault
  • Uninsured Automobile Coverage – protects you if you or a family member are killed or injured by an uninsured or fleeing vehicle
When searching for a car insurance plan, it must be through a broker, agent, or direct writer that works for a company that is licensed to sell insurance by the Ontario government.
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What affects insurance rates?


One thing you might not know about car insurance is that there are certain factors that can affect how much is will cost. These factors are:
  • How long you have been driving in Canada
  • Driving history (accidents and speeding tickets)
  • Age
  • Gender
  • Location (larger cities have more accidents than smaller cities)
  • Your vehicle
  • How often you drive
  • Winter tires 
Since we are located in Ontario, it is good to know that we have the highest average insurance rates out of all the provinces. This is due to Ontario requiring better coverage and accident benefit laws. So, although it may cost more here, you know you’ll be able to find a good plan.

How do I choose an insurance company?


Now that you know what to expect from insurance and what is required for Ontario drivers, you need to know the best way of finding a car insurance company. There are many ways you can do this including using online comparison sites, reaching out to insurance brokers, or reaching out to the biggest car insurance companies to get a quote. Doing proper research is the most important part of finding the best car insurance company and plan for you.


If you’re a new car buyer, feel free to browse the Bell Auto Inc. website or reach out to our sales team with any questions you may have! Our team is here to help you with all things related to buying a vehicle!
blue toy car on top of car insurance filing sheet
person signing papers in an office for insurance