best car policy Ontario
2022
The Cheapest and Best Car Insurance in Ontario
The Cheapest Car Insurance Companies in Ontario
The cheapest car indemnity companies in Ontario that offer widely available, full coverage policies are :
- Esurance: $1,053 per year
- Progressive: $1,154 per year
current or erstwhile military members and their families can purchase coverage from USAA, which offers the second bum average rate in the city at $ 1,102 annually. Esurance is the cheapest option for Ontario drivers looking for wide coverage. An Esurance policy is 72 % less than a policy from Allied — the most expensive insurance company in Ontario. Full coverage policies are those that include both comprehensive examination and collision indemnity. Remember that your premium can vary for full coverage, depending on the liability limits you select .
Cheapest Car Insurance in Ontario
Full Coverage 100/300/100
- company 100/300/100
per year
- 1 .Esurance
$1,053
- 2 .USAA
$1,102
- 3 .Progressive
$1,154
- 4 .AAA
$1,212
- 5 .MetLife
$1,339
- 6 .Mercury
$1,341
- 7 .GEICO
$1,361
- 8 .Allstate
$1,432
- 9 .Hartford
$1,544
- 10 .State Farm
$1,557
- 11 .Farmers
$1,604
- 12 .Travelers
$1,680
- 13. Allied
$1,811
MoneyGeek obtained average rates for a 40-year-old male driver with entire coverage car indemnity, as per our methodology. Full coverage car indemnity is more expensive than a policy that only meets the express minimum requirements, but it does include comprehensive and collision insurance. That wax coverage gives you extra auspices against the cost of repairing wrong to your vehicle .
- Comprehensive Coverage: This pays for repairs to your car when damaged in a non-collision-related incident, such as fire, vandalism or an adverse weather event.
- Collision Coverage: This pays to repair your car after a collision.
Having liability-only or department of state minimum car insurance may be a better option for drivers with older vehicles. This is because the premiums for entire coverage indemnity can add up to more than your car ’ s successor value. Loading …
Cheapest Car Insurance in Ontario for Minimum Coverage
ontario drivers looking for the brassy available policy may opt for a policy that only meets the state minimal requirements. The most low-cost options for this coverage are :
- Progressive: $473 per year
- AAA: $539 per year
USAA has the cheapest average annual pace at $ 446, but it ’ s only available to drivers who are military members. A policy from Progressive costs $ 356 less per year than the most expensive option, Farmers. While it ’ s the most low-cost option, minimal coverage doesn ’ thyroxine include comprehensive and collision insurance. It can besides have low levels of indebtedness coverage. All of this means that you risk not being fully covered in an accident. Check out the postpone below to see how rates change based on liability limits .
Cheapest Minimum Liability Car Insurance in Ontario
state Minimum
- company State Minimum
per year
- 1 .USAA
$446
- 2 .Progressive
$473
- 3 .AAA
$539
- 4 .Mercury
$559
- 5 .GEICO
$570
- 6 .Esurance
$581
- 7 .Travelers
$649
- 8 .MetLife
$680
- 9 .Hartford
$747
- 10 .State Farm
$756
- 11 .Allstate
$799
- 12. Allied
$823
- 13 .Farmers
$829
By jurisprudence, California drivers must have policy that meets California ’ s minimum requirements of 15/30/5 liability coverage. As the bum policy, it can surely save you money on premiums. The drawback, though, is that you could end up owing significant amounts if you ’ re in an accident. For exemplify, if you ’ re in an at-fault accident and the other driver ’ s checkup bills are $ 25,000, your insurance company will pay $ 15,000 of that amount. You ’ d be creditworthy for paying the poise of $ 10,000 .
California Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for property damage. A more protective floor is 100/300/100 .
Cheapest Car Insurance in Ontario if You Have Driving Violations
Any driving trespass on your phonograph record, from speeding tickets and DUIs to at-fault accidents, can lead to higher car policy rates. The most low-cost car insurance policies for Ontario drivers with violations are :
- Cheapest after a ticket: Esurance, $1,336 per year
- Cheapest after an at-fault accident: Esurance, $1,657 per year
- Cheapest after a DUI: Mercury, $2,197 per year
USAA has the cheapest average annual rate at $ 1,204 for drivers with a speed ticket, but entirely military members are eligible for its policies. Drivers with poor records may see lower premiums after improving their drive records over time. In the interim, shopping around is the best way to find low-cost indemnity after a tag or an accident .
Cheapest Car Insurance in Ontario With a Violation
Speeding ticket
- company Speeding Ticket
per year
- 1 .USAA
$1,204
- 2 .Esurance
$1,336
- 3 .AAA
$1,597
- 4 .MetLife
$1,739
- 5 .Mercury
$1,757
- 6 .GEICO
$2,013
- 7 .Allstate
$2,031
- 8 .Farmers
$2,206
- 9 .Progressive
$2,208
- 10 .State Farm
$2,291
- 11 .Hartford
$2,426
- 12 .Travelers
$2,516
- 13. Allied
$2,541
Average Cost of Car Insurance in Ontario
Ontario
$1,424
California
$1,429
U.S.
$1,424
The average car insurance premium for a typical driver in the United States is $ 1,424 per annum, while the average annual cost in California is $ 1,429. Ontario drivers pay an average of $ 1,424 per year, entail costs in this city fall right in line with the state and national rates.
Personalized Quotes to Get You the Cheapest Car Insurance in Ontario
Your personal backdrop and driving history are unique. Insurers consider factors like your senesce, sex, driving experience, placement and more. That ’ s why you can ’ t depend entirely on average rates. To determine how much you need to pay for your specific situation, compare personalized policy quotes to find out which company offers the best rates. Loading …
The Best Car Insurance Companies in Ontario
MoneyGeek ranked the best insurance companies in Ontario to help drivers find an insurance company that balances affordability with excellent customer service. According to MoneyGeek ’ s scoring system, the two best companies for most drivers are :
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA, the highest-ranking company based on MoneyGeek ’ second evaluation system, international relations and security network ’ triiodothyronine listed as best overall because it ’ s only available to military families. MoneyGeek used ratings for affordability, fiscal stability and user atonement from consumer news company J.D. Power to evaluate the companies ‘ scores out of 100 .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2
Auto Club of Southern California Insurance Group
grade :
90
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 3
GEICO
score :
90
4/5 Affordability 3/5 Claims Ratings
4/5 User Satisfaction A++ fiscal stability 4
Wawanesa
score :
87.5
5/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal stability 5
State Farm
score :
87.5
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 6
Ameriprise
score :
85
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 7
Hartford
score :
85
3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 8
Progressive
score :
82.5
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 9
Allstate
grade :
82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10
Safeco
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 11
CSAA
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 12
Liberty Mutual
grudge :
77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 13
Farmers
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 14
Mercury
score :
77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 15
Nationwide
score :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 16
Kemper
score :
70
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability
Average Cost of Car Insurance by Postal Code
Where you live in Ontario affects your annual car policy agio. This is because different neighborhoods have varying rates of car thefts, accidents and uninsured drivers. In Ontario, drivers from ZIP code 91761 pay up about $ 90 more per year than drivers from the 91764 vicinity .
- Zip Code State Minimum
per year
- 91761
$1,373
- 91762
$1,437
- 91764
$1,463
Factors That Impact Insurance Costs in Ontario
In addition to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of black accidents besides contribute to car insurance rates in Ontario. How Ontario ranks compared to the 300 most populous cities in the United States can have a meaning impact on premium costs .
Most Accidents With Fatalities
117th
/ 300
Most car Thefts
210th
/ 300
Most uninsured Motorists by State
12th
/ 50
personal Injury Protection Required No
Most annual rain
247th
/ 300
Most showery Days
260th
/ 300
Methodology and Assumptions
MoneyGeek ’ south average bounty rates for Ontario are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their read. Additional premiums are added based on coverage type, location and drive record. Learn more about MoneyGeek ’ s data and methodology hera. About the author
Mark Fitzpatrick is a senior subject coach with MoneyGeek specializing in policy. Mark has years of know analyzing the policy market and creating original research and subject. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a passkey of Arts .