You could save up to $500*
on your car insurance in Ontario
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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.
Getting a car insurance quote in Ontario has never been easier!
More ways to save in OntarioSee 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.
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)
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.
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.