Looking for car insurance? You’re in the right place! Get great deals on auto insurance and a simplified online experience with belairdirect.
Car insurance for Ontario drivers
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. Whether you drive an SUV, minivan, truck or sedan, you can find great deals and the coverage you need in Ontario with belairdirect.
Car insurance, simplified
What coverage do you need inOntario?
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.
Learn more about the different coverage types with our guide to car insurance coverage in Canada.Learn more about the different coverage types with our guide to car insurance coverage in Canada.
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.
Mandatory
Third Party Liability Coverage
Third Party Liability Coverage is mandatory in Ontario. It protects you if you’re responsible for injuring someone or damaging someone else’s property. For example, if you accidentally hit a light post with your car or injure someone while you're driving. It pays for property damage or injuries to others when you cause an accident.
Details about liability coverage
It covers:
- legal fees and lawsuit settlements
- property damage caused by your car
- medical expenses of anyone you injured
Mandatory
Accident Benefits
Accident Benefits Coverage is required in Ontario and provides financial compensation, including medical expenses, if you're hurt or killed in a car accident.
Details about accident benefits
It covers you and your passengers for:
- medical and rehabilitation expenses that aren't covered by a government or private health plan
- home care expenses
- financial compensation in case of death or loss of a limb
- funeral expenses
Mandatory
Uninsured automobile coverage
Uninsured Automobile Coverage is mandatory in Ontario and covers injury following an accident caused by an uninsured vehicle.
Details about uninsured automobile coverage
It covers:
- financial compensation if you are hurt or killed by a hit-and-run or uninsured driver
Standard coverage in Ontario
Get additional protection for damage to your vehicle with these standard auto insurance coverage options in Ontario.
Standard
Direct Compensation Property Damage
Direct Compensation Property Damage standard in Ontario. It pays for damage to your car and the property inside it when someone else causes the accident.
Details about direct compensation property damage
It covers:
- cost to repair or replace your car and any property inside it
- rental car or transportation costs while your car is being repaired
Standard
Collision or Upset
Pays for repairs to your car when you're responsible for hitting someone or something with your car.
Details about direct collision and upset
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
Standard
Comprehensive coverage
Covers broken glass and all damage not related to a collision.
Details about Comprehensive coverage
It covers:
- broken glass
- theft, attempted theft, vandalism
- storms and natural disasters
- accidents involving an animal
- damage caused by falling trees or other objects
- fire and explosion
Standard
All Perils
Combines Collision or Upset and Comprehensive coverage.
Details about all perils
It covers:
- damage caused by falling trees or other objects
- theft, attempted theft, vandalism
- collision with another car
- accidents involving a person or animal
- broken glass
- storms and natural disasters
- fire and explosion
Standard
Specified Perils
Protects your car against specific types of damage and theft.
Details about direct specific perils
It covers:
- theft, attempted theft
- storms and natural disasters
- fire and explosion
Optional coverage for Ontario drivers
Extend your auto insurance to match your driving style and your car with these optional add-ons for Ontario drivers.
Optional
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
Optional
belairdirect roadside assistance®
Provides 4 emergency services per membership year when you run into trouble on the road.
Details about belairdirect roadside assistance
It covers:
- towing (within 50 km from the breakdown location)
- spare tire installation
- locksmith services
- gas delivery (up to 10 L)
- removal of your car from a ditch
- battery boost
Available in Canada and the United States only
Learn more about belairdirect roadside assistance
Optional
Autocomfort®
Offers coverage options to expand your protection in case of an accident.
Details about autocomfort
It covers
- cost of a rental car after an accident involving your car
- damage to a rented car
Available in Canada and the United States. Collision or upset and Comprehensive or Specified Perils, or All Perils coverages are required to be eligible for Autocomfort.
Optional
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.
Details about New car protection
It covers:
- financial compensation towards the cost of a car, without deducting depreciation
Get a quick car insurance quote in Ontario and buy online
- 1Get a quick quoteGet an online quote in just a few minutes. You don’t even have to talk on thephone!
- 2Buy the coverage you need Customize your coverage to fit your needs and your budget, and then buy onlineinstantly.
- 3Manage your insurance online Manage your insurance and submit claims online or on the belairdirect app, 24/7.
How to get cheaper car insurance in Ontario
Insurance companies use a whole range of factors to calculate your premium. Here’s what you can do to get cheaper car insurance in Ontario!
Bundle your home and carinsurance
Getting your home and car insurance with a single insurance company will allow you to save both time andmoney!
Increase your deductible
Increasing your deductible can help you get a lower monthly car insurance premium. If you rarely make any claims, this will save you money in the longrun.
Choose a car with safetyfeatures
A car that’s equipped with safety features like blind spot monitoring, crash prevention or an anti-theft alarm can help you get cheaper car insurance, as you’re less likely to get into an accident or have your carstolen.
Reduce your mileage
Reducing how far and how often you drive should make your car insurance premium cheaper. If possible, use public transportation or carpool for your commute – it’s better for the environmenttoo!
Drive together, savetogether
Do you have several family members or even roommates in your household who drive? Having them all insured with the same insurance company can help lower your premium.
Park your car in a safe place
Parking your car in a garage or driveway can protect your car from theft or vandalism, and get you a discount on your carinsurance!
Auto insurance discounts available 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%.
Automerit®
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.
Severe weather alerts
Crash Assist
Pink Slip
Car Care
Learn more about the belairdirect mobile app
More questions about car insurance in Ontario?
How do I add a driver to my current auto insurance policy?
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.
How much does car insurance cost in Ontario?
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
Which type of auto insurance is mandatory in Ontario?
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.
How do I get cheaper car insurance in Ontario?
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 offeredand 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
How does car Insurance work in Ontario ?
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!
As a new driver who just got his driver’s license in Ontario, will my premium be higher?
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.
