You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s column team writes on behalf of YOU – the lector. Our finish is to give you the best advice to help you make smart personal finance decisions. We follow rigorous guidelines to ensure that our column content is not influenced by advertisers. Our column team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. sol, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in topographic point to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ re read is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive address compensation from our advertisers. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate capacity to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first base. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — thus you can feel confident about which supplier is right for you. Bankrate follows a rigorous editorial policy, so you can trust that we ’ ra putting your interests first gear. All of our content is authored by highly qualify professionals and reviewed by discipline topic experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long path record of helping people make fresh fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take following. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This message is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Finding the best car indemnity in Ontario can save you money on premiums and claims. The average cost of car insurance in Ontario is $763 per year for minimum coverage and $2,098 for full car insurance. lake ontario is part of San Bernardino County, one of the fastest-growing areas of the Southern California basin. Since 2011, fomite registrations in the country have grown 16 %, outpacing California ’ mho average increase of 11 %. unfortunately, the number of traffic collision victims have besides increased. Since 2019, vehicle-related fatalities are up 32 %. Bike-related injuries and fatalities are up 46 %, all potentially due to perturb driving. Finding the cheapest car indemnity in Ontario may help you afford adequate coverage to protect you against all the likely dangers on the road .
Best car insurance companies in Ontario
The follow four carriers are a combination of brassy car insurance in Ontario and dear customer ratings. We used Bankrate ’ south quote data collected from over 20 Ontario-area policy providers to find the cheapest carriers. To narrow the tilt down far, we chose insurance companies with good customer reviews. J.D. Power ’ s customer gratification study was instrumental because it is based on reviews from policyholders regarding the insurance company ’ s claims march, communication and available coverages .
| Insurance company | J.D. Power customer satisfaction score (California) |
Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|---|
| AAA | 830 / 1,000 | $576 | $1,875 |
| Grange | Not rated | $584 | $2,151 |
| Geico | 828 / 1,000 | $627 | $1,797 |
| Wawanesa | 853 / 1,000 | $668 | $1,591 |
AAA
AAA is long-familiar for providing wayside service and towing to 61 million members nationally. You get more than barely towing for the membership tip — AAA car insurance is besides available. The aircraft carrier ’ second policies deliver the cheap car indemnity Ontario rates. Customer service is not sacrificed for lower rates. When it comes to customer gratification, AAA earned third set in J.D. Power ’ randomness car indemnity study.
Learn more : AAA Insurance Review
Grange
Grange Insurance does not rank in J.D. Power ’ s California discipline due to its smaller marketplace share. When referencing the National Association of Insurance Commissioner ’ s indemnity ailment index, there were only eight complaints over one year. It is slenderly above average, but Grange ’ s second-lowest minimum cable car insurance rates in Anaheim tend to offset the complaints. Focusing on what Grange does well, you will find minimum liability and full car indemnity arsenic well as gap coverage and policy for high-end sound equipment and custom accessories. Learn more : Grange Insurance Review
Geico
Geico ’ s fully coverage rates are among the lowest on average. entire coverage is typically more expensive because it adds indemnity for your fomite a well, such as comprehensive examination and collision indemnity. If you drive an older vehicle or one with a broken respect, you may be very well with low-cost minimal car policy. But if you have a higher-model vehicle or have assets you would like to financially protect, fully coverage car insurance from Geico may be your best bet. Learn more : Geico Insurance Review
Wawanesa
Wawanesa Insurance is # 1 in customer gratification in the J.D. Power sketch for California. The carrier is Canada-based and does not have any offices in California, but the web site is robust adequate to handle most of your cable car policy needs on-line. Some of the optional coverages available include successor parts using the vehicle manufacturer ’ randomness originals and lease expense indemnity that can increase your vehicle lease valuation reserve if you would like to rent a larger or more expensive vehicle while your car is in the denounce for a cover cause. Ontario drivers should find the coverage they are in search of with Wawanesa. Learn more : Wawanesa Insurance Review
Cheapest car insurance in Ontario
To get a better idea of how much car indemnity costs in Ontario, take not of the watch figures :
- The average annual cost of car insurance in California is $733 for minimum car insurance and $2,065 for full coverage.
- The national average is $1,674 per year.
Keep the play along rates in mind for the cheapest, largest carriers in Ontario based on market share. When shopping around for car insurance, they can provide you with an idea of whether you are paying more for coverage than average. Unless you have a history of accidents and tickets or you are a adolescent driver, your rates should be relatively close to Bankrate ’ second findings .
| Insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| AAA | $576 | $1,875 |
| Geico | $627 | $1,797 |
| Mercury | $635 | $1,634 |
| Travelers | $693 | $1,882 |
| Progressive | $696 | $1,888 |
AAA has a couple of nearby chapter offices in Upland and Chino if you would like to visit a local agent. Geico and Mercury typically provide the lowest insurance rates. Travelers and Progressive both have a variety of optional coverages such as rideshare policy, gap coverage and raw cable car substitution .
Ontario insurance requirements
The State of California requires all vehicle owners, including those residing in Ontario, to have a minimum amount of indebtedness coverage. however, the following requirements should be a starting compass point. If you total a newer vehicle, $ 5,000 in property price coverage does not cover the prize of the vehicle, leaving you liable for any damages of $ 5,000. In addition, your lender or leasing company may require you to carry wax car policy, which could include comprehensive, collision and uninsured/underinsured motorist insurance. California ’ second indemnity requirements are :
- $15,000 in death and/or bodily injury per person
- $30,000 in death and/or bodily injury per accident
- $5,000 for property damage per accident
Car insurance discounts in Ontario
evening if you found a car insurance company in Ontario offering lower rates than you presently pay, you might save far by checking for carrier-specific cable car indemnity discounts. The follow could reduce your car policy bill :
- Autopay: Automatic payments directly from your account simplifies your life and may earn you a small discount.
- Bundling: Buying home, renters and/or car insurance from the same company could lower your premiums on all.
- Young driver: Teens and young adults typically pay the highest rates. Young driver discounts could help parents or independent young adults save money.
- Switching: If you find lower rates with a different insurance company and decide to change carriers, you may also receive an additional discount for switching.
Bundling and young driver discounts are two of the most effective discounts when you want to importantly reduce your rates .
Frequently asked questions
What is the best car insurance company?
The best car indemnity companies in Ontario are different for everyone. Consider the factors that are most crucial to you and get several quotes to find the best choice for you .
How much does car insurance in Ontario cost?
The median price of car indemnity in Ontario is $ 763 annually for minimum car indemnity and $ 2,098 for full coverage. Rates are slightly higher than Bankrate ’ s findings of California premiums, averaging $ 733 for minimum car policy and $ 2,065 for full coverage .
How much car insurance do I need in Ontario?
All fomite owners in Ontario must have indebtedness coverage of at least $ 15,000 in death and/or bodily injury per person, $ 30,000 in death and/or bodily injury per accident and $ 5,000 for place price per accident.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, adept credit and the be full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state ’ south requirements. Our sample distribution drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should be used for relative purposes only. Your quotes may be different .