Toronto Auto Insurance May 2026

In Toronto , auto insurance is mandatory for all drivers, governed by provincial law under a . This means that in the event of an accident, you typically deal with your own insurance company for claims, regardless of who caused the collision. Average Costs in Toronto

The average cost typically ranges from $1,800 to $3,500 per year.

Coverage for standard medical rehabilitation and attendant care remains mandatory. toronto auto insurance

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 . In Toronto , auto insurance is mandatory for

Toronto and the Greater Toronto Area (GTA) have some of the highest insurance rates in Ontario.

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) Many benefits that are currently mandatory—such as income

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