The average cost of car insurance in Ontario is $220 per month among YouSet users, though policies can start as low as $16 a month. Just keep in mind: the “average” isn’t necessarily what you should be paying, it’s simply a midpoint across a wide range of driver profiles.

In Ontario, auto insurers calculate your premium based on a combination of personal, driving, and vehicle-related factors. They do this to assess the level of risk you pose as a client and determine how much you’ll pay for car insurance.

Factors that can be used to calculate your car insurance premium include:

• Your age and driving experience
• Your gender
• Your marital status 
• Your driving record, including tickets and traffic violations
• Your history of at-fault vs. not-at-fault car accidents 
• Your insurance history (claims, cancellations, non-payments)
• Your location (where you live and drive)
• Your vehicle’s make, model, year, and any modifications
• What you use your car for (ex. pleasure vs. commuting) 

However, to help keep auto insurance fair and equitable, insurers in Ontario are prohibited from using the following factors when calculating premiums, as outlined by the Ontario Human Rights Commission. 

• Credit score
• Income
• Housing accommodation status (ex. Renter vs. homeowner)

In Ontario, one of the best ways to get lower car insurance is to make choices that reduce your risk to insurers (like installing winter tires and anti-theft devices), as well as take advantage of programs and discounts designed to reward safer drivers. 

In fact, here’s a list of ways you can get cheaper car insurance in Ontario: 

• Use a RIBO-licensed broker for access to exclusive rates and discounts 
• Bundle your car and home insurance (with YouSet, this can save you up to 15% extra!)
• Pay your premium annually (typically saves you 2–4% in interest)
• Maintain a clean driving record
• Install winter tires during the winter months
• Add additional anti-theft devices 
• Attend a licensed driving school
• Enroll in telematics/usage-based insurance (UBI) programs (ex. Intact MyDrive) 

Yes, Ontario car insurance rates have gone up in recent years. The FSRA’s public rate approval database confirms that many insurers in the province — including CAA, Co-operators, Intact, Travelers, Wawanesa, Allstate, Beneva, belairdirect, and Sonnet — have filed for and received approvals for rate increases in 2025 in response to higher claims costs, increased auto theft, and rising repair costs.

A pink slip in Ontario is your official proof of car insurance. You are legally required to carry it with you anytime you’re driving. It’s called a “pink slip” because it comes printed on pink paper (or with a pink background in the case of a digital pink slip). 

All car insurance companies in Ontario are regulated by the Financial Services Regulatory Authority of Ontario (FSRA), which oversees rates, licensing, and consumer protections. Insurance brokers, like YouSet, are also licensed and regulated by the Registered Insurance Brokers of Ontario (RIBO. 

Among YouSet users in Ontario, the most common car insurance claims are related to collision, liability, and theft. The average cost of these claims is significant:

• Collision claims: $9,333 
• Liability claims: $30,164 
• Combined collision and liability claims: $8,429 
• Theft claims: $27,548

These numbers show just how expensive certain incidents can be, especially those that involve car theft and liability. Use this information to assess your current policy and make sure your coverage limits are high enough to properly protect you and your vehicle.