You could save up to $500*
on your car insurance in Ontario

Looking for car insurance? You’re in the right place!

Car insurance for Ontario drivers from Toronto to Thunder Bay

Navigating rush hour on the 401 from Toronto can be stressful, but having the right car insurance can help you relax. Commuting from Ottawa to Gatineau? We offer customized insurance plans for Ontario’s roads at great prices. Whenever you need help with a claim, we’ll be there to support you, 24/7.

Car insurance, simplified

Quick quote

Get a personalized quote in minutes and checkout online.

Easy access

Manage your insurance anytime and access free perks in the belairdirect app.

Great prices

Get the best deal on your car insurance with lots of ways to save.

What coverage do you need in Ontario?

In Ontario, all drivers are required by law to have Liability Coverage, Accident Benefits Coverage, Uninsured Motorist Coverage and Direct Compensation Property Damage. Looking to level up? You can also choose from our wide range of insurance options based on your car, lifestyle and budget.

Mandatory coverage in Ontario

All drivers in Ontario are required by law to have Liability Coverage, Accident Benefits Coverage, Uninsured Motorist Coverage and Direct Compensation Property Damage.


Third party liability coverage

Pays for property damage or injuries to others when you cause an accident.


Accident Benefits

Provides financial compensation, including medical expenses, if you're hurt or killed in a car accident.


Uninsured automobile coverage

Covers injury following an accident caused by an uninsured vehicle.


Direct Compensation Property Damage

Pays for damage to your car and the property inside it when someone else causes the accident.

Standard coverage in Ontario

Get additional protection for damage to your vehicle with these standard auto insurance coverage options.


Collision or Upset

Pays for repairs to your car when you're responsible for hitting someone or something with your car.

It covers:

  • collision with another car
  • hitting an object
  • collision with a person or an animal
  • car flips over
  • hit-and-run accident

Learn more about direct collision and upset


Comprehensive coverage

Covers broken glass and all damage not related to a collision.


All Perils

Combines Collision or Upset and Comprehensive coverage.


Specified Perils

Protects your car against specific types of damage and theft.

Optional coverage for Ontario drivers

Extend your auto insurance to match your driving style and your car with these optional add-ons.


Accident Forgiveness

Prevents the price of your insurance from going up as a direct result of your first at-fault accident.

Learn More about accident forgiveness


belairdirect roadside assistance®

Provides 4 emergency services per membership year when you run into trouble on the road.



Offers coverage options to expand your protection in case of an accident.


New car protection

Also known as Removing Depreciation Deduction (OPCF 43)

Removes the depreciation deduction from the value of the car when it’s damaged or a total loss.

Getting a car insurance quote in Ontario has never been easier!

Our online quote tool is here to help you choose insurance coverage that suits your budget.

More ways to save in Ontario

Online savings

Save even more on your car insurance when you get a quote online!

Bundle Car + Home

You can save up to 10% on your home insurance and up to 15% on your car insurance when you combine both policies!

Multi-vehicle discount

The more the merrier! If you're a household with more than one vehicle, you could get a multi-vehicle discount of up to 15%.


Get a personalized premium based on your driving habits with automerit®. The safer your drive, the more you could save!

See all discounts

Smart digital perks

With the belairdirect app, you get so much more from your car insurance. Manage your insurance anytime and access proof of insurance on the go. Get a personalized premium based on your driving habits with automerit®, as well as smart digital features that help keep you safe on the road.

Weather Icon
Severe weather alerts
Crash Assist Icon
Crash Assist
Pink Slip Icon
Pink Slip
Car Care Icon
Car Care

Learn more about the belairdirect mobile app

More questions about car insurance?

In the event that you wish to add a secondary driver to your policy so they can drive your car, you'll need to contact your insurance agent. Several criteria may affect how much the new driver will have to pay such as age, marital status, how long they’ve had their license and their driving experience. Having one of your children as a secondary driver is an excellent way to bring down their premiums while building their insurance history.

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

In Ontario, the minimum coverage legally required for auto insurance includes third party liability coverage of at least $200,000, accident benefits coverage, uninsured automobile coverage and direct compensation-property damage coverage. In Ontario, driving without valid car insurance can cost you between $5,000 and $50,000 in fines and a one-year license suspension.

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

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.

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