Car insurance in Ontario.
Compare. Save. Breathe.
One request. Objective comparison across 20+ Ontario insurance companies through our RIBO-licensed partner brokerages. Free, no obligation.
Coverage every Ontario driver
needs to know.
Ontario uses a no-fault system with specific coverage requirements. The industry is regulated by FSRA (Financial Services Regulatory Authority) and quotes are provided by RIBO-licensed brokers (Registered Insurance Brokers of Ontario) — AccesDirect connects you with these partner brokerages.
Third-party liability
Minimum $200,000 in Ontario, but $1M–$2M strongly recommended. Covers damage or injury you cause to others.
Accident Benefits (SABS)
Statutory Accident Benefits Schedule — medical, income replacement, rehabilitation. Standard limits or enhanced options.
Direct Compensation (DCPD)
Ontario’s no-fault system — your own insurer pays for damage when someone else is at fault.
Uninsured Automobile
Protection if you’re hit by an uninsured or hit-and-run driver.
Collision & Comprehensive
Optional but recommended — covers your own vehicle for collisions, theft, weather damage. Deductibles $250–$1000+.
OPCF 44R Family Protection
Pays if an at-fault driver has less insurance than needed. Highly recommended add-on for Ontario.
Three steps.
Zero friction.
You fill the form
Two minutes to describe your vehicle, driving history and Ontario address.
We match you
Your request goes to a RIBO-licensed Ontario partner brokerage who compares 20+ insurers.
You save
A partner broker reaches out with the best offer — no obligation to buy.
We serve every
major Ontario city.
They compared.
They saved.
“Switched from my old provider — saved $520 on my Toronto premium. The form is actually 2 minutes.”
“A broker called me back within an hour with three quotes. Chose the best one, done.”
“No pressure, just comparison. Wish I’d done this before my last renewal.”
Ontario auto insurance —
common questions.
How much is car insurance in Ontario in 2026?
Is Ontario a no-fault province?
What is SABS and do I need it?
Do I need OPCF 44R?
Is AccesDirect really free?
Compare Ontario car insurance rates
Free comparison. 2 minutes. No obligation. Your request goes to a RIBO-licensed Ontario partner brokerage.
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Ontario car insurance.
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