Car insurance in Ontario: save up to $500*

To add a driver to your car insurance, simply open the belairdirect app or log into the Client Center. Then, select your vehicle and click "Edit my coverage" or tap "Modify my policy".

Your insurance premium will be adjusted based on criteria such as the age, driving record and years of experience of the added driver.

If you have a child who drives your car, you need to add them as a driver to your insurance policy. As they gain insurance experience, they might be able to pay less for their own coverage insurance in the future.

According to FSRA (Financial Services Regulatory Authority of Ontario), in Ontario, car insurance costs on average between $1,282 and $2,214 per year. However, keep in mind that this is an average and rates may vary from person to person.

There are many factors that can influence the cost of car insurance:

• The car you drive (the type, make, model, year, trim)
• Your driving history & record (number of years you’ve been driving, number of years you’ve been insured, accidents and tickets)
• How much you drive (how often and how far you drive)
• Where you live (urban areas, rural areas, etc.)
• The type of coverage you chose (adding optional coverage affects your rate)

Learn more about how insurance premiums are calculated

You can make sure you get the cheapest coverage by comparing car insurance rates.

Here are a few tips to keep in mind when comparing auto insurance quotes:

• Consider both the price of the premium and the coverage you get
• Make sure you get a cheaper quote when you bundle your car and home insurance
• Save money by insuring more than one vehicle
• Make sure good drivers get rewarded with better rates with a program like automerit

Saving money on auto insurance is only worthwhile if it doesn't compromise your protection. You should always review the different insurance options offered and fully understand which are the best options for you. We can help you get the auto insurance coverage that will fit your needs.

Learn more about our insurance savings and offers

All registered cars in Ontario must be insured with the minimum insurance coverage required by the law: third party liability coverage of at least $200,000, accident benefits coverage, uninsured automobile coverage and direct compensation-property damage coverage.

In Ontario, auto insurance is provided by private insurers. Getting car insurance coverage is as easy as filling out a quote online at belairdirect.com!

It’s possible. Due to your lack of a driving record, your rates may be higher than someone with several years of experience, as we don’t know your driving habits yet.

All is not lost! We offer different savings options.

When possible, consider applying as a secondary driver under a parent's insurance policy. This allows you to pay a much smaller premium while allowing you to build up your auto insurance history.

You are studying in CEGEP or at the University? Enjoy our discounts fit for your lifestyle as a student!

At last, receive fair pricing based on the way you drive with automerit. Most of our customers save money with automerit, thanks to their good driving habits.