10 Best Car Insurance in Ontario of 2026

This list is for Ontario drivers comparing car insurers on price and claims service. We compared documented features, discounts, claims access and published figures on each insurer's own website in November 2026, and did not buy policies. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Ontario insurers price each driver individually and almost none publish a standard premium, so each pricing row quotes the most concrete price-related fact on the insurer's page, in Canadian dollars (C$). For a market yardstick, Intact cites FSRA data showing an average Ontario premium of C$180 a month as of October 2025. Wawanesa and Economical were left out because their websites blocked our checks.

1. 01Top value

   

   Desjardins Insurance

   9.0/10

   Canadian co-operative insurer selling Ontario car insurance online, by phone and through local Desjardins Agents.

   Price

   Customper year, quote-only, CAD

   Quote-only; up to C$600 off for insuring 2 or more cars, and 15% off each insured car

   “Save up to $600 when you insure 2 or more cars with us.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   9.2

   Features (35%)

   9.0

   Ease of use (25%)

   8.6

   Best forOntario households with two or more cars and clean records

   Desjardins is our top Ontario pick because it is the most transparent insurer here on the two things this list weighs most: discounts you can count on and how clients rate the service after a claim. Its Ontario page lists each discount with a size: up to C$600 for insuring two or more cars (15% off each car), up to 15% for a good record over six years, up to 10% for zero violations over three years, up to 10% for drivers 30 or under, and 10% off for six months after joining the Ajusto driving app. Switching home and car insurance together can save up to C$1,150, per the same page. On service, Desjardins says 97.6% of clients renew every year and that it works with more than 800 partner repair shops, both from its internal statistics. The trade-off is that it publishes no Ontario premium, and some savings target new clients only, so compare its quote with TD Insurance and Sonnet.

   • ✓97.6% of clients renew every year, based on Desjardins internal statistics
   • ✓Over 800 partner repair shops for claims
   • ✓Publishes the size of nearly every discount on its Ontario page

   • ✕No published Ontario premium, so only a quote shows your rate
   • ✕Several discounts apply only to new clients switching to Desjardins
   • ✕Free roadside assistance for young drivers requires caisse membership

   Renewal rate:

   97.6% of clients renew every year

   People insured:

   2.5 million+ in Canada

   Telematics:

   Ajusto, 10% off for 6 months

   Repair partners:

   800+ shops

   Bottom line: Desjardins Insurance is the best choice for most Ontario drivers because 97.6% of its clients renew each year and it publishes up to C$600 off for insuring two or more cars. Get its quote first, then check it against TD Insurance and Sonnet.

   Visit desjardins.com ↗

2. 02

   

   TD Insurance

   8.9/10

   Direct insurer from TD Bank Group that insures over 1.1 million Canadians' cars, with its own Auto Centres for claims.

   Price

   Customper year, quote-only, CAD

   Quote-only; alumni and professionals who bundled and bought online saved an average of C$720

   “Alumni and professionals who bundled their home and car insurance and purchased online saved an average of $720.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   9.0

   Features (35%)

   9.1

   Ease of use (25%)

   8.6

   Best forDrivers who want in-person claims help and alumni or employer group rates

   TD Insurance is the strongest pick here for claims service you can see in person. Its TD Insurance Auto Centres, at over 24 locations across Canada, let you talk to an on-site Claims Advisor, get the car repaired and arrange a rental in one visit, and repairs done there or at a preferred vendor carry a lifetime warranty for as long as you own the car and stay insured with TD. On price, TD lists 30 home and auto savings options, including 10% off the first policy term when you quote and buy online, a claims-free reward, a multi-vehicle discount and a 10% Green Wheel discount for hybrids and EVs. Members of over 750 alumni, professional and employer groups get preferred rates, and TD says those who bundled home and car and bought online saved an average of C$720. The catch is that its savings figures are averages for specific groups, so a quote is still the only real price.

   • ✓Over 1.1 million Canadians insure their cars with TD Insurance
   • ✓Auto Centres combine claims, repairs and rental in one place
   • ✓Claims-free reward lowers premiums after the first accident-free year

   • ✕The C$720 average applies only to group members who bundled and bought online
   • ✕No published Ontario premium
   • ✕Lifetime repair warranty requires an Auto Centre or preferred vendor

   Cars insured:

   Over 1.1 million Canadians

   Online discount:

   10% in the first policy term

   Group rates:

   750+ alumni, professional and employer groups

   Auto Centres:

   Over 24 locations in Canada

   Bottom line: TD Insurance is the best choice for Ontario drivers who want face-to-face claims help because its Auto Centres put a Claims Advisor, repairs and a rental under one roof. Group members should check its preferred rates first.

   Visit tdinsurance.com ↗

3. 03

   

   Intact Insurance

   8.8/10

   Canadian property and casualty insurer selling Ontario car insurance through independent brokers and online quotes.

   Price

   Customper year, quote-only, CAD

   Quote through a broker or online; new eligible clients can save up to 25% with good record protection

   “As a new eligible client, save up to 25%” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   9.0

   Ease of use (25%)

   8.4

   Best forDrivers who want a broker and strong add-ons

   Intact Insurance is the pick for Ontario drivers who want a broker in their corner. Its Ontario pages are detailed: new eligible clients can save up to 25% with good record protection, the my Drive app saves C$321 on average, an online quote brings a 10% reduction, and new clients who combine home and auto with an online quote save about C$945 on average. The add-ons matter at claim time. Claims advantage waives your deductible for a hit-and-run causing over C$1,000 of damage or a total loss, the minor conviction rating waiver keeps a first speeding ticket off your premium, and Plus Pac covers a replacement rental after an insured loss. Intact's Ontario FAQ also cites FSRA: as of October 2025, average monthly premiums were C$180 in Ontario and C$234 in the GTA. The trade-off is that eligibility for most endorsements runs through a broker, so the online quote is only the start.

   • ✓Average C$945 saving for new clients who bundle home and car with an online quote
   • ✓Publishes FSRA's Ontario premium averages on its own Ontario page
   • ✓Plus Pac covers a rental vehicle after an insured loss

   • ✕Many discounts and add-ons need eligibility checks with a broker
   • ✕No published Intact-specific Ontario premium
   • ✕Savings figures are averages, not guarantees

   Sold through:

   Brokers and online quotes

   Telematics:

   my Drive, C$321 average saving

   Online discount:

   10% on an online quote

   Bundle saving:

   C$945 average for new clients

   Bottom line: Intact Insurance is the best choice for Ontario drivers who want a broker because it pairs up to 25% off for good records with a deductible waiver for hit-and-run claims. Ask the broker which endorsements you qualify for.

   Visit intact.ca ↗

4. 04

   

   belairdirect

   8.7/10

   Direct-to-consumer car and home insurer with online quotes and the automerit driving app.

   Price

   Customper year, quote-only, CAD

   Quote-only; up to 20% off car insurance when you bundle car and home

   “Save up to 20% on your car insurance and up to 16% on your home insurance when you combine both policies” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.4

   Ease of use (25%)

   8.8

   Best forOntario drivers bundling car and home online

   belairdirect suits Ontario drivers who want to do everything online. Its Ontario page publishes clear discount sizes: up to 20% off car insurance and up to 16% off home insurance when you combine them, up to 15% for a household with more than one vehicle, and up to 10% for a hybrid or EV. The automerit app sets a personalized premium based on how you drive. Claims are submitted in minutes through the app or online and can be tracked until resolved, with support 24/7. Optional add-ons include accident forgiveness for the first at-fault accident, new car protection under OPCF 43, Autocomfort for rental cars after an accident, and roadside assistance with four services a year, including towing within 50 km and gas delivery of up to 10 L. The page also explains Ontario's mandatory coverages and the July 1, 2026 auto insurance reform. It ranks below Sonnet because it publishes no premium figure at all.

   • ✓Quote and buy online without talking on the phone
   • ✓Claims submitted and tracked in the app, 24/7
   • ✓Accident forgiveness and new car protection (OPCF 43) add-ons

   • ✕No published Ontario premium
   • ✕Roadside towing is limited to 50 km from the breakdown
   • ✕Autocomfort requires collision and comprehensive or all perils coverage

   Bundle discount:

   Up to 20% on car

   Multi-vehicle:

   Up to 15%

   EV discount:

   Up to 10%

   Roadside:

   4 services per year, towing within 50 km

   Bottom line: belairdirect is the best choice for Ontario drivers who bundle online because it lists up to 20% off car insurance for combining car and home. Add the multi-vehicle discount of up to 15% if you insure more than one car.

   Visit belairdirect.com ↗

5. 05

   

   Sonnet Insurance

   8.7/10

   Online home and auto insurer that calls itself Canada's first fully online home and auto insurer.

   Price

   Customper year, CAD median (Canada)

   C$2,006 a year median cost of auto insurance with Sonnet in Canada

   “$2,006 is the median cost of auto insurance with Sonnet in Canada.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   9.0

   Features (35%)

   8.3

   Ease of use (25%)

   8.8

   Best forDrivers who want to buy online and see a published price

   Sonnet is the easiest insurer here to price before you start a quote, because it publishes a C$2,006 median cost of auto insurance with Sonnet in Canada. That figure is national, so Ontario drivers in the GTA should expect a different number, but it gives a useful yardstick. The rest of the offer is built for online buyers. The Sonnet Shift app scores your driving and can save up to 35%, and a separate Mileage Discount adds 10% for driving less. Ontario drivers get an Enhanced protection bundle with loss of use for up to 30 days, damage to non-owned vehicles, a roadside reimbursement of up to C$50 and a hit-and-run deductible waiver of up to C$1,000 when reported to police within 24 hours. Claims can be reported online 24/7 with a live claims chat, and towing is available 24 hours after an accident. The limits: no local agents, and the roadside cover is a reimbursement, not a service.

   • ✓Only insurer here that publishes a median auto premium
   • ✓Licensed agents by email, chat or phone
   • ✓Discounts for 2000+ organizations

   • ✕The C$2,006 median covers all of Canada, not just Ontario
   • ✕Its Vroom service bundle is not available in Ontario
   • ✕Roadside assistance in the Ontario bundle is a C$50 reimbursement

   Median premium:

   C$2,006 a year (Canada)

   Telematics:

   Sonnet Shift, up to 35%

   Low-mileage discount:

   10%

   Claims:

   24/7 online reporting

   Bottom line: Sonnet Insurance is the best choice for online shoppers because it publishes a C$2,006 median premium and offers up to 35% off through Sonnet Shift. Ontario drivers should add the Enhanced protection bundle.

   Visit sonnet.ca ↗

6. 06

   

   CAA Insurance

   8.5/10

   Car insurance from CAA South Central Ontario, sold by licensed CAA Insurance agents.

   Price

   Customper year, quote-only, CAD

   Quote-only; 10% off auto insurance when you bundle CAA Auto and Home

   “Bundle your CAA Auto and Home Insurance and receive a 10% discount on your auto insurance and up to 12.5% on your home insurance.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.7

   Features (35%)

   8.5

   Ease of use (25%)

   8.3

   Best forFamilies with young drivers and low-mileage drivers

   CAA Insurance is the best pick here for Ontario families adding a young driver. Its CAA Head Start Discount gives drivers under 25 up to 25% off, the largest young-driver discount published by any insurer on this list. Drivers who rarely use the car can join CAA MyPace, a pay-per-kilometre program for people who drive fewer than 12,000 km a year, while CAA Connect sets a personalized discount from your driving habits. Forgive and Forget keeps a first at-fault accident off your driving record, and bundling auto and home brings 10% off auto and up to 12.5% off home. Policyholders can view documents, pay, submit and track claims and download an electronic pink slip online, and CAA says it is there for policyholders 24/7. The trade-offs: there is no instant online checkout like Sonnet or belairdirect, and extra member savings need a paid CAA Membership.

   • ✓Two usage-based options, one for low mileage and one for driving habits
   • ✓Antique and classic car coverage
   • ✓Online self-serve for documents, payments, claims and pink slips

   • ✕No published premium
   • ✕Extra member savings require a CAA Membership
   • ✕Quotes are by phone or agent, not instant online checkout

   Young driver discount:

   Up to 25% for drivers under 25

   Low-mileage program:

   MyPace, under 12,000 km a year

   Bundle discount:

   10% on auto

   Accident forgiveness:

   Forgive and Forget

   Bottom line: CAA Insurance is the best choice for Ontario families with young drivers because drivers under 25 may qualify for 25% off. Low-mileage drivers should ask about CAA MyPace.

   Visit caasco.com ↗

7. 07

   

   Allstate Insurance Company of Canada

   8.4/10

   Canadian arm of Allstate, selling car insurance through local agencies, by phone and online.

   Price

   Customper year, quote-only, CAD

   Quote-only; the disappearing deductible cuts C$100 a year with no covered claims

   “Lower your deductible and save $100 every year you go without making a covered claim.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.3

   Features (35%)

   8.6

   Ease of use (25%)

   8.2

   Best forClaim-free drivers who want a shrinking deductible

   Allstate Canada rewards drivers who stay claim-free. Its disappearing deductible reduces the deductible on a qualifying vehicle by C$100 for each 12-month term without a covered claim, down to C$0, and claim forgiveness keeps your rate from rising after a first covered claim once you have been claim-free for six years. Ticket forgiveness waives the surcharge for a minor conviction. For claims service, Allstate offers 24/7 claim specialists, live chat with an agent or claims representative in every province except Quebec, the Good Hands Repair Network for quick repairs, and Allstate Assistance for towing, jump starts, fuel delivery and flat tires. Its page shows an average bundle saving of C$610 for home and auto. It ranks eighth because its best perks build up over years, while insurers above it publish larger upfront discounts.

   • ✓24/7 claim specialists and live chat in all provinces except Quebec
   • ✓Published average bundle savings of C$610 for home and auto
   • ✓Local agencies for in-person service

   • ✕Claim forgiveness needs six claim-free years
   • ✕Disappearing deductible does not apply to motorcycles or recreational vehicles
   • ✕No published Ontario premium

   Deductible reduction:

   C$100 per claim-free 12-month term

   Claim forgiveness:

   After 6 claim-free years

   Bundle saving:

   C$610 average, home and auto

   Support:

   24/7 claim specialists

   Bottom line: Allstate Insurance Company of Canada is the best choice for long-term claim-free drivers because its deductible drops by C$100 every claim-free year. Newer drivers will get more from upfront discounts elsewhere.

   Visit allstate.ca ↗

8. 08

   

   Co-operators

   8.4/10

   Canadian co-operative insurer since 1945, selling car insurance online and through local financial representatives.

   Price

   Customper year, quote-only, CAD

   Quote-only; group members can save up to 40% when they switch

   “Group members can save up to 40% when they switch to Co-operators.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.4

   Ease of use (25%)

   8.2

   Best forEmployees with group auto plans and rideshare drivers

   Co-operators is the pick for Ontario drivers whose employer or association offers its group auto plan, since group members can save up to 40% when they switch. For everyone else, the most useful feature in Ontario is its anti-theft program: Co-operators pays part of the installation fee for a Tag anti-theft device, depending on where you live, which matters for owners of high-theft vehicles in the GTA. Accident Protection keeps a first accident from raising your rates if you qualify. It also covers personal use of vehicles driven for approved rideshare and delivery apps in Ontario, including Uber, Lyft and Uber Eats, while you are offline. Other discounts cover hybrids and EVs, multiple vehicles, bundling, clean records over three years, driver training and drivers 55 and over. Few of these discounts carry a published size, so Co-operators ranks below insurers that show their percentages.

   • ✓Co-operative owned in Canada since 1945
   • ✓Anti-theft subsidy matters for high-theft models in the GTA
   • ✓Covers personal use of cars driven for Uber Eats and Corner Shop in Ontario

   • ✕The 40% figure applies only to group plan members
   • ✕No published premium or discount sizes for most offers
   • ✕Accident Protection has restrictions

   Founded:

   1945, co-operative

   Group savings:

   Up to 40%

   Anti-theft:

   Tag installation subsidy

   Rideshare:

   Ontario: Lyft, Uber, ecoRIDES and others

   Bottom line: Co-operators is the best choice for Ontario drivers with a group auto plan because group members can save up to 40%. Owners of high-theft cars should also ask about its Tag subsidy.

   Visit cooperators.ca ↗

9. 09

   

   Aviva Canada

   8.1/10

   Large Canadian property and casualty insurer selling car insurance mainly through brokers.

   Price

   Customper year, quote-only, CAD

   Quote through a broker; 10% enrolment discount for joining Aviva's safe-driving program

   “take advantage of the 10% enrolment discount just for joining Aviva Journey” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.2

   Features (35%)

   8.3

   Ease of use (25%)

   7.8

   Best forOntario drivers who want a broker and Aviva's driving program

   Aviva Canada is a broker-sold insurer with a deep menu of add-ons. Its most Ontario-specific feature is a safe-driving program, offered only in Ontario, that gives a 10% enrolment discount just for joining, then sets a personalized premium for the next year. Add-ons include Conviction Protector for a minor conviction, a Disappearing Deductible, an Accident Rating Waiver for a first at-fault accident, Coverage for Transportation Replacement, ride-sharing coverage and a Worry-Free Bundle that adds travel costs, deductible waiver and increased accident benefits. Claims can be filed 24/7 online, by phone or through your insurance representative. Discounts cover bundling, retirees, multiple vehicles and clean records, plus an EV discount that varies by province. Aviva ranks ninth because it publishes almost no discount sizes and you must go through a broker to see a price.

   • ✓24/7 claim service online, by phone or through your representative
   • ✓Discounts for retirees, multiple vehicles and clean records
   • ✓Electric vehicle discount

   • ✕Sold mainly through brokers, so no instant online checkout on aviva.ca
   • ✕No discount sizes published other than the driving program enrolment discount
   • ✕Add-on availability varies by province

   Telematics:

   Safe-driving program, Ontario only

   Enrolment discount:

   10%

   Claims:

   24/7

   Sold through:

   Brokers

   Bottom line: Aviva Canada is the best choice for Ontario drivers who use a broker and want telematics because Aviva's safe-driving program gives 10% off just for enrolling. Ask the broker which add-ons apply in Ontario.

   Visit aviva.ca ↗

10. 10

    

    RBC Insurance

    8.0/10

    Insurance arm of Royal Bank of Canada, selling car insurance online and through licensed advisors.

    Price

    Customper year, quote-only, CAD

    Quote-only; up to 10% off when you insure your main residence and vehicles together

    “Save up to 10% when you insure your main residence and personal vehicle(s) today.” Quoted from the pricing page, November 11, 2026.

    Free plan

    No

    Value (40%)

    8.0

    Features (35%)

    7.9

    Ease of use (25%)

    8.2

    Best forRBC banking clients who want to buy online in Ontario

    RBC Insurance is a straightforward option for Ontario drivers who already bank with RBC. Ontario is one of two provinces, with Quebec, where you can buy a policy online after getting a quote, or you can speak with a licensed advisor. Policies include the mandatory Ontario coverages, and optional endorsements include forgiveness for a first at-fault accident, waiver of depreciation, family protection, alternate transportation and an emergency roadside and driver assistance program. You can pay monthly or annually. The only discount RBC publishes on its car page is up to 10% for insuring your main residence and vehicles together, which is smaller than the bundle savings belairdirect, Desjardins or Intact advertise, and it lists no driving-app discount. That limited set of published savings is why RBC ranks last here, though its quote is still worth comparing.

    • ✓Monthly or annual payment options
    • ✓Licensed advisors by phone at 1-800-769-2568
    • ✓Covers collector cars, motorcycles, motorhomes and trailers

    • ✕Bundle discount of up to 10% is smaller than most rivals
    • ✕No telematics program on its car insurance page
    • ✕No published premium

    Online purchase:

    Ontario and Quebec

    Bundle discount:

    Up to 10%

    Payment:

    Monthly or annual

    Accident forgiveness:

    Endorsement available

    Bottom line: RBC Insurance is the best choice for RBC clients who want to buy online because Ontario is one of two provinces where its policies can be bought online. Its up to 10% bundle discount trails the leaders.

    Visit rbcinsurance.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.