Toronto Auto — Insurance

To drive legally in Toronto, your policy must include four key components: Toronto Car Insurance - Get a Quote Today

If you don't make changes, your policy will likely renew with your current level of coverage, though insurers must notify you of the option to opt out of certain benefits in writing. Required vs. Optional Coverage toronto auto insurance

Coverage for standard medical rehabilitation and attendant care remains mandatory. To drive legally in Toronto, your policy must

Rates in the GTA increased by approximately 10.3% between late 2023 and late 2024, driven by rising auto thefts and the increased cost of vehicle repairs. The "À La Carte" Reform (Coming July 2026) Rates in the GTA increased by approximately 10

Rates vary significantly by neighborhood. Metro Toronto averages approximately $2,888 annually, while North York, Etobicoke, and Scarborough often see higher premiums due to higher urban density and theft rates.

Many benefits that are currently mandatory—such as income replacement, caregiver, and housekeeping benefits—will become optional .

Starting , Ontario will shift to a more flexible auto insurance model.