Independent Ontario consumer resource · built on the official Fault Determination Rules · updated August 2026
ONFaultChecker.ca

Ontario · Free tool · Updated August 2026

What will this car cost to insure in Ontario?

Pick your vehicle and where you park it. The estimate updates as you go.

Build your estimate

1 Your vehicle

Pre-filled from typical value for that year. Change it if you know yours.

Not listed?

2 Where you park it overnight

The biggest factor in Ontario — bigger than the car or your record.

3 Your driving record

4 Discounts you could get

Tick what applies — these are the levers you control today.

5 Build your protection

Tap a coverage to add it. Watch what it costs — and what it would actually pay for.

0/100

Protection score

Bare legal minimum

You're legal, but a lot is uncovered. Add coverage below to see what changes.

Optional endorsements: +$0/yr on top of your estimate

Same driver, different vehicle

Your exact profile with other body styles — useful if you're still deciding.

What would save you the most

Ranked by estimated annual saving for your profile.

What's driving your number

Biggest effect first. Green lowers it, pink raises it.

Did you get a real quote? Tell us how close we were

This tool is calibrated from public rating data. Real quotes are how it gets genuinely accurate — and this takes ten seconds.

We store only what's shown above — no name, no email, no licence number. It's used to calibrate the estimates. Privacy.

Turn this into real numbers

Get actual quotes from a licensed Ontario broker

We can't quote you — that takes a licence we don't have. What we can do is pass your details to a licensed Ontario brokerage who'll shop several insurers for the exact vehicle you're considering. Free, no obligation, and you'll know the real number before you buy.

Your details go to one licensed Ontario brokerage. We never sell your information and we don't send marketing. Privacy policy.

Why check before you buy

People budget for the car and forget the insurance. In parts of the GTA the annual premium on an ordinary vehicle can exceed fuel and maintenance combined — and unlike the purchase price, it recurs every year.

The pattern that catches people: they stretch to something slightly nicer or sportier, then find the insurance is $900 a year higher. Over five years that's $4,500 nobody budgeted for.

What actually drives Ontario premiums

Winter tires are a required discount in Ontario. Insurers must offer one when a vehicle has them fitted. If you're buying them anyway, make sure your insurer knows.

What we can and can't do

Already had an accident? The fault and premium calculator estimates what a claim does at renewal, and claim or pay compares claiming against paying a repair yourself.

Insurance cost by vehicle

Detailed pages for the vehicles Ontario drivers shop most — ranges by city, how model year changes it, and why each one rates the way it does.

Honda CivicEstimated cost to insure in Ontario, by city and model year.Toyota RAV4Estimated cost to insure in Ontario, by city and model year.Toyota CorollaEstimated cost to insure in Ontario, by city and model year.Honda CR-VEstimated cost to insure in Ontario, by city and model year.Ford F-150Estimated cost to insure in Ontario, by city and model year.Mazda CX-5Estimated cost to insure in Ontario, by city and model year.Hyundai ElantraEstimated cost to insure in Ontario, by city and model year.Toyota CamryEstimated cost to insure in Ontario, by city and model year.Jeep Grand CherokeeEstimated cost to insure in Ontario, by city and model year.Tesla Model 3Estimated cost to insure in Ontario, by city and model year.

Other tools for buying a car

Compare two vehiclesInsurance, fuel, maintenance and depreciation side by side, with a five-year total.Lease or financeAdd financing or a lease, HST, fuel and depreciation for the real monthly figure.All car buying toolsThe full set, in the order that makes sense.

These figures are modelled from Ontario rating factors and calibrated to published averages — not quotes. See exactly how they are calculated.

Step 5 of 5 · Insurance

Done

That's all five steps.

NextSee real premiums →← Can you afford it

Common questions

How much is car insurance in Ontario?

It varies enormously by where the vehicle is parked overnight. An experienced driver with a clean record might pay under $1,500 a year in rural or eastern Ontario, while the same driver in parts of Brampton, Scarborough or North York commonly pays more than double. Vehicle type, experience, claims and convictions adjust it further. Because every insurer files its own rates with FSRA, quotes for the same driver routinely differ by 50% or more between companies.

Does the specific model change my insurance, or just the type of car?

The specific model matters, not just the category. Insurers rate on the vehicle's own claims history including how frequently it is stolen and what it costs to repair after a collision. That is why certain popular SUVs and pickups carry a noticeable surcharge in the GTA while a similarly priced sedan does not.

Can a website look up my driving record from my licence number?

No, and you should treat any site that asks as a red flag. Your claims history sits in the AutoPlus database and your conviction record comes from the Ministry of Transportation, and both are restricted to licensed insurers and brokers acting with your consent for a legitimate business purpose. There is no legitimate reason for a consumer website to collect your driver's licence number to give you an estimate.

Do winter tires really lower Ontario insurance?

Yes. In Ontario, insurers are required to offer a discount for vehicles fitted with winter tires. The size varies by company but it is a mandated reduction rather than a marketing promotion. If you were buying winter tires anyway, make sure your insurer knows they are on the vehicle.

Is this an insurance quote?

No. This is an estimate built from the rating factors Ontario insurers publicly use, presented deliberately as a range rather than a single figure. Only a licensed broker or insurer can give you a quote, because each company files its own rates with FSRA and weighs the factors differently. Use this to budget and compare vehicles, then get real quotes before committing.