Every year, over 150,000 Canadians are injured in road accidents. No matter how experienced you are behind the wheel, unexpected events happen. That's why having the right car insurance in Ontario isn't just mandatory, it's essential for protecting what matters most. At Morison Insurance, we simplify the process by comparing quotes from dozens of Canada's top insurers to find coverage tailored to your needs, your budget, and your life on the road.
Choosing an independent broker means you get access to competitive rates and expert guidance without the hassle of shopping around yourself. Morison Insurance represents dozens of Canada's best car insurance companies, comparing coverage options to find the perfect fit for your driving profile and budget. As an award-winning Ontario brokerage with over 4,600 five-star reviews, we've been protecting drivers across the province for generations, combining local service with unmatched insurance expertise.
Understanding how car insurance works in Ontario helps you make informed choices about your coverage and save money. Ontario law requires all drivers to carry minimum mandatory coverage, but many drivers choose to add optional protections for more complete peace of mind. Your Morison broker will explain what's required, what's recommended, and what fits your unique situation.
Required by law for all Ontario drivers. Every driver must carry basic coverage that protects others on the road and covers your medical costs in an accident.
What it includes:
Add protection for your car, passengers, or peace of mind. Optional coverage gives you more complete protection against unexpected damage, theft, or large repair costs.
This can include:
Coverage options, terms, and limits vary by insurer. A Morison Insurance broker will review your profile to confirm the right fit for your home and budget.
Car insurance rates in Ontario average between $1,700–$3,500 per year, depending on your city, vehicle, and driving record. Because every driver's situation is unique, there's no one-size-fits-all price. Your premium is calculated based on risk factors that insurance companies assess to determine how likely your vehicle is to be involved in a collision, stolen, or how costly repairs may be.
Your Morison broker compares rates across multiple insurers to find you the best value, not just the lowest price.
Getting car insurance with Morison is fast, secure, and fully supported by licensed professionals. We make it easy to compare Ontario's best insurers and find coverage that protects you without overpaying.
Tell us about your vehicle, driving history, and current coverage.
We shop multiple trusted insurers to find coverage that fits your needs and budget.
Review your options, choose what fits your needs, and get your policy started.
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Prefer to talk it through? Our licensed brokers are happy to help by phone or email.
Save time and money by combining your car insurance with other policies, all in one place. Bundling simplifies your coverage, reduces paperwork, and often unlocks multi-policy discounts. Morison brokers can bundle your auto coverage with home, tenant, cottage, recreational vehicle, or umbrella liability insurance for seamless protection and potential savings.
Bundle home and car insurance for one renewal date, fewer bills, and potential multi-policy savings.
Bundle your tenant and car insurance to simplify your coverage and enjoy potential discounts, with one trusted brokerage handling both policies.
Protect your vehicles and seasonal property under one provider. Morison brokers can bundle your auto coverage with your cottage or recreational vehicle insurance for seamless protection.
Add an umbrella liability policy to your auto coverage for higher protection limits and extra peace of mind in case of serious accidents or large claims.
Discounts vary by insurer and profile. Your Morison broker will compare options to find your best value.
Morison Insurance offers specialized auto coverage for unique driving situations. Whether you drive a classic car, operate a business fleet, or ride a motorcycle, we have insurance solutions tailored to your needs.
Specialized coverage for vintage and collector vehicles. Protect your investment with agreed-value protection, flexible mileage limits, and policies tailored for show cars and restorations.
Coverage for vehicles used in your business. Whether you have one company car or a fleet of service vehicles, get protection for liability, physical damage, and employee use on the road.
Comprehensive protection for riders. Get coverage for your motorcycle, gear, and accessories, with options for seasonal use, custom parts, and enhanced liability protection.
Morison Insurance combines the personal touch of local service with province-wide expertise. With physical offices across Ontario and support for drivers throughout the province, you get the convenience of a neighborhood broker backed by the resources of an award-winning insurance brokerage.
Prefer to work with a local team? Choose your community and we'll tailor options.
The price of car insurance in Ontario doesn't have a single cost attached to it. Car insurance rates depend on many factors, making it impossible to give a solid price. On average, Ontario drivers pay between $1,700–$3,500 per year, which breaks down to approximately $140–$210 per month. Our team of brokers at Morison Insurance will compare prices from multiple insurance brands to get you competitive rates.
Ontario law requires all drivers to carry minimum mandatory coverage, which includes Third-Party Liability (minimum $200,000, though we recommend $2,000,000), Accident Benefits (medical and income replacement), Direct Compensation–Property Damage (DCPD), and Uninsured Automobile Coverage. This ensures basic protection for you, other drivers, and anyone injured in an accident.
You can lower your car insurance premium by bundling your home and auto insurance, installing winter tires (and claiming the discount), maintaining a clean driving record, choosing a higher deductible, taking advantage of student driver discounts, installing anti-theft devices, and comparing quotes from multiple insurers. A Morison broker can identify all available discounts and help you save without sacrificing coverage.
If you're in an accident, ensure everyone is safe first, then call 911 if there are injuries or significant damage. Exchange information with the other driver, document the scene with photos, and contact your insurance company immediately. If you have collision or all perils coverage, your policy will cover repairs (minus your deductible if you're at fault). Your Morison broker can guide you through the claims process for fast, stress-free resolution.
Yes, if you have the right auto insurance coverage. Your personal car insurance can transfer to a rental car if you add optional coverage. However, rental companies offer their own insurance, which can be more comprehensive. Some drivers opt into rental car insurance from the rental company to avoid costs to repair a car that isn't their own, especially while traveling. Speak to a Morison broker to ensure you're protected in all circumstances.
Yes. In Ontario, you are required to have third-party liability coverage for your vehicle. This coverage protects you from expenses associated with damage or bodily harm you accidentally cause to someone else (a third party). Our expert car insurance brokers recommend a $2,000,000 liability limit. Legal fees can easily accumulate in complicated claims, and this coverage protects you from unforeseen legal costs.
Yes. If you choose to purchase optional comprehensive coverage for your car insurance in Ontario, it will cover vandalism. Comprehensive car insurance coverage applies to damage caused by something other than a collision, including vandalism, fire, theft, falling objects, hitting an animal, and weather-related damage.
No. It is impossible to insure a car registered in another person's name in Ontario, as you have no legal interest in the vehicle. Only the vehicle owner can insure it in their own name. However, if you drive regularly and don't own a vehicle, consider non-owner car insurance. Ontario residents should consider this coverage if they often rent cars, borrow vehicles, or participate in car sharing, as it offers insurance protection for drivers rather than just the vehicle owner.
No. Car insurance companies don't request transmission type information, so it doesn't affect your coverage or premiums. Whether you prefer manual or automatic vehicles, you're free to select the type that works best for your driving habits without worrying about insurance implications.
To get car insurance in Ontario, you'll need your valid Ontario driver's license, vehicle registration and VIN (Vehicle Identification Number), current or previous insurance information (if applicable), details about your driving history (accidents, tickets, claims), and information about how you use your vehicle (commuting, business, pleasure). Having these documents ready helps your Morison broker provide accurate quotes quickly.
Various car insurance discounts can help reduce your premiums, including bundling home and auto insurance, winter tire discounts, student driver discounts, multi-vehicle discounts, claims-free discounts, mature driver discounts, anti-theft device discounts, and loyalty discounts. Speak with an expert broker at Morison Insurance when getting a new quote or renewing your policy to discover which discounts apply to you.
A car insurance deductible is the amount you've agreed to pay on your own in the event of an accident before your insurance company covers the rest. A standard deductible is typically around $500. For example, if your car requires $2,000 in repairs after a collision, you pay $500, and your insurance covers the remaining $1,500. Usually, the deductible only applies if you're at fault. The lower your deductible, the higher your insurance premium will be.
From comprehensive coverage to tailored add-ons, our brokers compare Ontario's top insurers to find the protection that fits your life and budget.
You don't have to shop around; we'll do it for you. Speak with a Morison broker today and discover how much peace of mind really costs. Get started by calling 1-800-463-8074 or by filling out the form on this page.
