Skip to main content
RH Insurance logo
RH Insurance logo

Compare Ontario car insurance quotes online today

Looking for cheap car insurance? Find your best rate and speak to a licensed RH Insurance broker today, so you can secure the coverage you need.



  • Quick & Easy

    I got my first insurance from RH insurance! The process was super smooth and really quick! Amith was a great help throughout the process! He also got me the cheapest possible plan! Highly recommended!


    Google Reviews - August 2022

  • First Time Insurance Buyer

    Amith Patil was assisting and suggesting me for the insurance, as I was a 1st time insurance buyer in Canada he was very much helpful and got me a better deal compared to other insurance online. Process was very smooth and quick too.


    Google Review - August 2022

  • Super Human Service

    Morgan Roberts: Super human being providing service that can only be dreamed off. She did my home insurance super fast and gave me all the correct legal documents to ensure I have no hiccups with the lawyer. When my lawyer had hiccups, she dropped everything to make all the new changes lawyer requested last minute. What an amazing person. She deserves a promotion and a huge raise. This is the type of people who should be running the company.


    Google Reviews - June 2022

How to get an RH Insurance policy

  • Step 1: Contact our brokers

    Call 1-888-616-1868 to speak with one of our licensed car insurance brokers.

  • Step 2: Share some info

    Provide us with a few details and receive customized car insurance quotes from our top providers.

  • Step 3: Finalize your policy

    Select your lowest rate and secure the auto insurance coverage you need.

What you need to know about car insurance in Ontario

If you’re driving your own vehicle in Canada, you’ll need a car insurance policy. While auto coverage is mandatory across the country, each province and territory has its own regulatory practices.

British Columbia, Manitoba, and Saskatchewan operate with a public auto insurance system where coverage is sold under the provincial government. 

The rest of Canada – including Ontario – runs on a private insurance system, meaning car insurance companies compete in an open market for your business by offering low rates and meeting your specific needs. The only exception is Quebec in which drivers purchase liability coverage from the government but seek private providers for other auto insurance needs. 

If you're currently shopping for coverage, we've got you covered – here's everything you need to know about your car insurance policy.

Mandatory types of car insurance

As mandated by the provincial government, the following types of car insurance are included in every standard auto policy for Ontario drivers. Keep in mind that most policyholders customize their coverage beyond the requirements for added financial protection.

Third-party liability

Accident benefits

Uninsured motorist

Direct compensation property damage (DCPD)

Recommended auto insurance coverages

Aside from the required car insurance in Ontario, it’s recommended to purchase additional coverage for financial protection in the event your vehicle needs to be repaired or replaced. Here is a brief overview of four optional coverages you can consider to enhance your auto insurance policy.

Collision insurance

Comprehensive insurance

All perils insurance

Specified perils insurance

Common auto insurance endorsements

You can also purchase optional endorsements on your car insurance policy to further your protection. These add-ons are offered through the provincial government as Ontario Policy Change Forms (OPCF) and then activated by your car insurance company. Here are a few common additions for policyholders in Ontario.

Loss of use coverage

Non-owned vehicle coverage

Accident forgiveness waiver

Removing depreciation deduction

The average cost of car insurance in Ontario

The average cost of car insurance in Ontario is over $1,500 per year. Keep in mind, however, that premiums are calculated on a case-to-case basis – to find out how much you’ll be paying, be sure to compare auto insurance rates with us.

How to get a discount on auto insurance

  • Bundle auto and home insurance

    By insuring your car and house under one company, you can receive discounts on both policies.

  • Insure multiple vehicles together rights

    If you own more than one car, purchasing a multi-vehicle policy can increase your savings.

  • Consider usage-based insurance

    UBI policies can reward safe or low-mileage drivers with discounted premiums.

  • Ask your broker about other discounts

    Insurance companies offer a variety of discounts that could be applicable to you, so be sure to ask your broker.

What factors affect your car insurance rates?

  1. Age

    Young drivers appear to be higher risk to insurance companies. So as you get older and gain more experience driving, you can expect the cost of your car insurance to decrease.

  2. Gender

    Statistically speaking, men are more high-risk drivers than women. So even if you’re a relatively safe driver, insurance companies can charge you more for coverage based on your gender.

  3. Vehicle type

    Insurers look at the statistical risk factors of your vehicle’s make and model to determine your policy’s premium. And cars that cost more to repair and replace will also cost more to insure. So if you drive a highly stolen vehicle, a sports car, or a luxury car, expect to pay more for your coverage.

  4. Location

    Driving around in a city can increase your insurance premium when compared to driving around in a suburb because you’re more likely to make claims for theft, vandalism, and collisions.

  5. Driving history

    Having a clean driving record, as well as being fully licensed, shows insurance companies you’re at a lower risk of getting into an accident (and making a claim). Therefore, you’ll also be rewarded with cheap car insurance.

  1. Type of car insurance

    If you’re extending your limit of liability or adding additional coverages – such as collision and comprehensive insurance – expect to pay higher premiums in return for your peace of mind.

  2. Chosen deductible

    The higher the deductible you select, the cheaper your auto insurance will be. It’s a balancing act – setting a higher amount means you’ll be responsible for paying more out of pocket.

  3. Applicable discounts

    Each insurance company has their own special discounts, so it never hurts to ask for a cheaper auto insurance rate. For instance, bundling your auto and home insurance, graduating from a certain institution, or even having a high GPA can lower the cost of your car’s policy.

  4. Driving behaviour

    The more you drive, the more likely you are to run into an incident, leading to an auto insurance claim. So if you commute every day to work with your own car, you’ll probably be paying more for coverage than someone who only uses their vehicle for grocery runs on weekends.

Ready to compare auto insurance quotes?

We’ve got you covered – in just a few minutes, you can view customized car insurance quotes from top providers and select your lowest rate. Our brokers will be happy to answer questions you may have about your coverage options too!

Expand your insurance knowledge