Estimate your Ontario car insurance range

How Ontario auto insurance is priced

Insurers price the likelihood and potential cost of a claim. Your driver profile, years of experience, convictions and at-fault claims matter, as do your vehicle, how far you drive, where it is principally kept, the coverage selected and your deductible.

Each insurer uses its own approved rating approach, so the same profile can produce meaningfully different prices. That is why this calculator returns a band rather than a single figure.

Mandatory coverages in Ontario

How convictions affect premiums

Insurers look at the conviction itself—not simply the number of demerit points. The seriousness, recency and number of convictions can affect eligibility, discounts and price. At-fault accidents are assessed separately and can also raise premiums.

This estimator uses broad categories only. A real application will ask for the exact offence or accident details and relevant dates.

Practical ways to lower premiums

• Compare several insurers. Pricing models and discounts vary.
• Ask about a higher deductible. It may lower the premium, but increases what you pay on a claim.
• Reduce annual driving where practical. Lower usage can reduce exposure.
• Review collision coverage on an older vehicle. Compare the premium and deductible with the vehicle’s value.
• Ask about discounts. Winter tires, multiple policies, multiple vehicles, driver training or telematics may qualify depending on the insurer.