◉ ONTARIO · SINCE 1997

Insurance in Ontario.
Compare and save.

Compare Ontario insurance quotes from 20+ carriers through our RIBO-licensed partner brokerages. AccesDirect is an independent pan-Canadian comparator — objective, fast, no obligation.

Start comparing → View Ontario guide
15.6M
Population
$1,528
Avg auto premium/yr
20+
Carriers compared
2 min
To compare
Coverage across Ontario

Insurance products in Ontario

Auto, home, business, life — everything covered through RIBO-licensed partner brokerages who know Ontario’s regulatory landscape and market rates.

Auto insurance

Third-party liability, DCPD, SABS, collision, OPCF 44R. Ontario no-fault system, FSRA-regulated.

View Ontario guide →

Home insurance

Homeowner, condo, tenant. Fire, water damage, liability, replacement cost across all Ontario regions.

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Business insurance

Commercial general liability, business property, professional liability for Ontario SMBs.

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Life insurance

Term, whole life, critical illness. Family protection through licensed Ontario life advisors.

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Travel insurance

Emergency medical, trip cancellation, baggage. Single-trip or annual plans for Ontario travellers.

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Motorcycle & RV

Motorcycle, ATV, snowmobile, RV, boat. Seasonal or year-round Ontario recreational coverage.

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Cities served

Ontario cities we cover

Live in Toronto, Ottawa, Mississauga and other major Ontario markets. More cities coming through 2026.

Toronto2.9M · GTA Ottawa1.0M · Capital Mississauga720k · Peel Hamilton570k · Golden Horseshoe London440k · Southwest Windsor230k · Border Brampton700k · Peel KingstonComing soon KitchenerComing soon WaterlooComing soon BarrieComing soon VaughanComing soon MarkhamComing soon GuelphComing soon St. CatharinesComing soon
Why AccesDirect

Independent. Bilingual. Since 1997.

We aren’t an insurance broker — we’re a comparison platform matching Ontarians with the right RIBO-licensed partner brokerage. No pressure, no obligation, no cost to you.

29

Years comparing

Founded in 1997 — nearly three decades matching Canadians with brokers who fit their needs.

20+

Ontario carriers

Access rates from 20+ FSRA-authorized insurers through our partner brokerages, in one request.

RIBO

Licensed partners

Every partner brokerage is RIBO-licensed and follows Ontario’s insurance regulation to the letter.

$0

Cost to you

Comparison is 100% free. Partner brokers are compensated by insurers, never by consumers.

Ontario car insurance — the essentials

Ontario is a no-fault, DCPD-governed province with mandatory SABS. Whether you’re renewing in Toronto or shopping in Ottawa, our Ontario auto guide breaks down what actually drives your premium and how to compare like an insider.

View Ontario auto guide
  • How Ontario no-fault DCPD works
  • SABS: mandatory benefits explained
  • OPCF 44R — the $30 upgrade worth it
  • Toronto vs. Ottawa vs. suburbs — rate factors
  • Winter driving discounts & clean-record credits
FAQ

Ontario insurance — common questions

Everything you need to know about comparing insurance in Ontario through AccesDirect.

Is AccesDirect an Ontario insurance broker?
No. AccesDirect is an independent pan-Canadian comparison platform. We connect Ontario consumers with RIBO-licensed partner brokerages who provide the actual quotes and policies. We don’t sell insurance ourselves.
What products can I compare in Ontario?
Auto, home (owner/condo/tenant), business, life, travel, motorcycle, RV, snowmobile, ATV and boat insurance. All coverage is placed through Ontario-licensed carriers via RIBO-authorized partner brokerages.
How much can I save comparing?
Ontario drivers who compare typically save $200 to $700 per year on auto insurance alone. Savings depend on your city, driving record, vehicle and current premium — Toronto and Brampton residents often see the largest gaps between carriers.
Does AccesDirect operate outside Quebec?
Yes. AccesDirect is a pan-Canadian comparator active in Quebec and Ontario, with expansion continuing across Canada. Every province follows its own regulator — in Ontario, that’s FSRA for market conduct and RIBO for broker licensing.
Is there any cost or commitment?
None. Comparison is free, non-binding and takes about 2 minutes. You choose whether to accept any quote presented by our partner broker. No credit check is run to compare.
Do you handle French-speaking Ontarians?
Yes. AccesDirect is fully bilingual (français / English) — request quotes in French anytime through our Ontario French hub. Many partner brokers also serve Franco-Ontarian communities directly.
Which Ontario cities are live?
Currently live: Toronto, Ottawa, Mississauga, Hamilton, London, Windsor and Brampton. Kingston, Kitchener, Waterloo, Barrie, Vaughan, Markham, Guelph and St. Catharines are rolling out through 2026.
Are my details shared with all 20+ insurers?
No. Your request goes to one matched RIBO-licensed partner brokerage who then shops carriers on your behalf. Your data isn’t broadcast across the market — it’s used only to build accurate comparison quotes.

Start comparing Ontario rates

Free comparison. 2 minutes. No obligation. Your request goes to a RIBO-licensed Ontario partner brokerage.

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⚠️ This service is exclusively for Ontario residents.