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Which Ontario Insurance Company has the Cheapest Car Insurance? 

This is a more complicated question to answer. Every company has various classes or types of vehicles that may be cheaper than other companies but there is no one company that provides the cheapest auto insurance rates overall.

For this reason, Ontario drivers should be sure to shop around for quotes to compare the rates they are getting every couple of years. If you are looking for the cheapest auto insurance quote, remember to have an idea of the types of coverage you want included and not included because the extra coverage such as additional accident benefits or all perils physical damage, rental car coverage, accident waiver/forgiveness etc are all factors that can have a bearing on the rate and make prices differ if your broker or insurance company isn’t comparing apples to apples.

With the cost of living steadily rising, it’s only normal that Ontario drivers would be looking around for an online car insurance quote to find the cheapest insurance company for auto insurance. Keep in mind that it's not just the insurance company but also the vehicle that makes all the difference in the auto insurance industry. Car insurance statistics tell us that the cheapest and best vehicles to insure are Buick SUVs/minivans, Lincoln trucks/SUVs/crossovers, Cadillac truck/vans, GMC truck/minivans, Chrysler truck/vans, Ford truck/vans, Chevrolet truck/vans, or Kia truck/vans.

As you can see, it's not just the company that is a factor in getting the cheapest car insurance but also the type of vehicle you drive. Truck and vans are typically safer vehicles to drive with better safety ratings and thus cost less for accident benefits coverage which has a significant impact on the price of auto insurance. The second reason is that these types of vehicles tend to be family vehicles. Statistics tell us that family vehicles are often driven by safer and more experienced drivers who qualify for better rates. In other words, it's not just the insurance company or the vehicle itself but also the driver that has a bearing on getting the cheapest auto insurance quote. If all these factors are good, it means you have a great chance of getting the best car insurance rate. 

In addition, the following is a list of other factors that can help you get cheap auto insurance here in Ontario.







Take a few minutes to get a car insurance quote to see if Tradition Mutual Insurance will be your cheapest and best auto insurance option. See link below. After you do, Kyle Wijnands can look over the quote to see if there are any additional discount you are eligible for. He can be reached directly at 519-393-3246.

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 vehicle in the household insured, car insurance rates are cheaper

Pay Annually 

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

Take Driver Training

For new drivers, having driver's training helps to lower auto rates and get cheaper insurance. 

Pay on Time

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

Relationship Status

Typically, the statistics for those who are married are better and can get you cheaper auto rates. 

Have a Clean Record

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

Low KM Use

The lower the usage of the vehicle, the cheaper the insurance. 

Shop & Compare

Rates range from company to company. Look around to see what is the best and cheapest. 

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 on your vehicle during the snowy season. 

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


Find a cheap car insurance quote for these Ontario cities and towns: 

Other clients you find cheaper and better auto insurance in Ontario: 

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 and am very pleased with the rates as well as the service I have experienced. 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!"

Frequently asked auto insurance questions: 

Mandatory Car Insurance Coverages Required in Ontario

Liability Coverage 

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 driver is negligent, medical costs and physical damages are covered.

Accident Benefits

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

Optional and Enhanced Auto Insurance Coverages


Protects your vehicle from damage caused by perils like fire, hail or theft (besides collision or upset.)

Collision or Upset

Protects your vehicle from losses such as collision with another vehicle or object. 

All Perils

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

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 Coverage

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

Vehicle Replacement

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

Depreciation Protection

If eligible, vehicle can qualify for 24 months of replacement cost coverage 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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