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Ontario drivers want cheap auto insurance

Get a quote for  car insurance with the best coverage & rates. 

More than the cheapest car insurance but the best customer service and claim experiences you will find in Ontario, Canada 


John Brookshaw

"We have been with Tradition Mutual Insurance for 60 plus years Kyle is one of the BEST agents we have ever had Full marks on everything!"

Kim Good

I have my car insurance with Tradition Mutual Insurance Company and am very pleased with the rates. Kyle will be sure to provide you with excellent customer service answering any question you may have thoroughly and honestly. He has excellent communication skills and does well to ensure that your insurance needs are met and exceeded.

Dayna Vyse

Kyle found me a much better fit for my auto insurance for a cheaper price and was very easy and pleasant to work with! Kyle was very prompt and responsive and never pushy or sales-y. Super great to work with!"

Google Verified Auto Insurance reviews 

Cheapest car insurance rate is great but professional service from someone who lives in your community or has connections in your hometown- That's the mutual difference. 


In Ontario, the provincial government and the financial commission of Ontario has established a standard Auto Insurance Policy that all auto insurance companies offer. It was designed to give you and your loved ones basic protection, but there are still a lot of options you can add to that basic protection. That’s why you need an expert who will take the time to help you sort through the details. An expert who’s part of the Ontario Mutuals family.

Mandatory coverage*

This is the minimum protection required by law in Ontario. If you don’t have it, you can be fined or may lose your license, and your vehicle can be impounded. Plus, if you’re sued for damaging someone’s personal property or for injuring or killing someone, an insurer cannot help you and thus you will have to bear the cost on your own.


Optional coverage*

Beyond what is mandatory, there is additional offerings you may want to consider. These include:

• Higher accident benefit limits

• Driving record protection

• Emergency roadside assistance

• Transportation replacement

• Rental vehicle liability​ and business use extensions

• Coverage for off-road vehicles and snowmobiles

* Highlights only. Actual policy wordings govern. Coverage

availability subject to underwriting eligibility and guidelines.

Find a cheap car quote for these Ontario cities and towns: 
Frequently asked auto insurance questions: 
Ways to get cheaper auto insurance in Ontario: 

New Driver Discounts

If you have auto and home/tenant insurance, you can save on both policies

Bundle Policies

If you have auto and home/tenant insurance, you can save on both policies

Multiple Vehicles

If you have more than one car in the household insured or motorcycle insurance, car  rates can be cheaper

Pay Annually 

Paying annually instead of monthly will make your auto insurance rates cheaper. 

Take Training

For new drivers, having training helps to lower auto pricing and get cheaper insurance. 

Pay on Time

If you pay on time, your record won't have any cancellations for non-payment and will get you cheaper premiums. 

Relationship Status

Typically, the statistics for those who are married are better and can get you cheap auto insurance coverage. 

Have a Clean Record

At fault accidents, convictions, street racing, dangerous driving charges etc make premiums higher. A clean record means cheaper auto rates.  

Low KM Use

The lower the usage of the automobile, the cheaper it gets. 

Shop & Compare

Premiums range from company to company. Look around to see what is the best and cheapest. Get a quote now.  

Raise Deductibles

The deductible is what you pay before the insurance company does. Higher deductibles make car insruance rates cheaper. 

Winter Tires

Discounts are available for having winter tires installed during the snowy season. 

Mandatory Car Insurance Required in Ontario


For bodily injury or property damage of someone else, costs are covered for you.

Direct Compensation

If you are are not at fault, damages to your car are covered.

Uninsured Auto

If an uninsured operator is negligent, medical costs and physical damages are covered.

Accident Benefits

Regardless of  fault, medical payments and other expenses you are eligible to receive are paid out.  

Optional and Enhanced Auto Insurance 


Protects you from perils like fire, hail or theft.

Collision or Upset

This part protects you from losses such as impact with another vehicle or object. 

All Perils

Combines collision or upset and comprehensive coverage and also includes increased theft . 

Accident Forgiveness

With this protection, provided that you are not charged with a careless, your rates won't increase if you have a partial or 100% at fault accident. 

Rental Car 

Liability for non-owned Automobile(s)  when insured persons rent other automobiles. Contact for further details.

Vehicle Replacement

Protection for reasonable expenses incurred in
renting a similar substitute automobile or obtaining alternate transportation while
the insured automobile is out of use as a result of an insured loss.

Depreciation Protection

If eligible, the described auto can qualify for 24 months of replacement cost instead of the depreciated value at the time of loss. 

Family Protection



If the other motorist has
insufficient insurance, additional protection is available for you subject to liability limits and policy agreements. 

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