Ontario law requires all drivers to carry a minimum of: $200,000 in third-party liability coverage, Statutory Accident Benefits (SAB), Direct Compensation – Property Damage (DCPD), and Uninsured Automobile coverage. Driving without valid auto insurance in Ontario is illegal and can result in fines up to $50,000, license suspension, and vehicle impoundment. These minimums are a legal floor — not recommended as the only protection for most drivers.

Liability-only car insurance (third-party liability) covers damage or injuries you cause to others, but does not pay to repair or replace your own vehicle. Full coverage — which typically includes Collision and Comprehensive — also pays for damage to your car from accidents, theft, vandalism, hail, and other perils. For newer or financed vehicles, full coverage is almost always recommended. Liability-only may be appropriate for older vehicles with lower market value.

Car insurance rates in Ontario are calculated based on your driving history and at-fault accident record, the vehicle's make, model, age, and safety rating, your annual mileage, your location, your age and years of licensed driving experience, whether you use the car for business or personal use, and your coverage types and limits chosen. Ontario has some of the highest auto insurance rates in Canada — working with an independent broker helps you compare across insurers.

Yes. Insure MB offers recreational vehicle insurance covering motorcycles, ATVs, snowmobiles, side-by-sides, jet skis, boats, fishing vessels, RVs, and campers. Each vehicle type has unique coverage requirements — for example, ATVs need off-road liability, and boats may need watercraft-specific coverage for marinas. Insure MB can bundle multiple recreational vehicles under one plan for convenience and savings.

Yes. Bundling home and auto insurance through the same insurance brokerage typically yields a multi-policy discount of 5% to 15%, depending on the insurer. Beyond the discount, bundling simplifies your renewals, billing, and claims experience. Insure MB can bundle home, auto, and recreational vehicles under one plan — giving you a single point of contact for all your coverage needs.

Liability car insurance covers the cost of injury or property damage you cause to others in an at-fault accident. Ontario's mandatory minimum is $200,000 in third-party liability, but this amount can be exhausted quickly in a serious accident involving multiple injuries or a fatality. Most insurance brokers in Ontario — including Insure MB — strongly recommend a minimum of $1 million to $2 million in liability coverage.

Generally, no. Personal auto insurance policies in Ontario typically exclude or limit coverage when the vehicle is used for commercial purposes — such as delivery driving, rideshare, or transporting goods for hire. If you use your personal vehicle for business, you may need a commercial auto insurance endorsement or a separate commercial vehicle policy. Insure MB can assess your usage and recommend the right coverage to avoid claim denials.

Commercial auto insurance covers vehicles owned or operated by a business, including company cars, delivery vans, contractor trucks, and fleet vehicles. Any vehicle used primarily for business purposes — transporting employees, equipment, goods, or clients — should be covered under a commercial auto policy, not a personal one. Insure MB works with Ontario businesses to build commercial auto programs that match their fleet size, industry, and risk profile.

If you're involved in a hit-and-run accident in Ontario, your mandatory Uninsured Automobile coverage provides protection for injuries. If you have Collision coverage (optional), it can cover damage to your vehicle. You must report the accident to police within 24 hours and notify your insurer promptly. Working with a licensed broker like Insure MB ensures you understand your policy before an incident occurs.

To find affordable car insurance in Ontario without reducing essential coverage: work with an independent insurance broker who compares multiple insurers, maintain a clean driving record, take an approved driver training course, consider a higher deductible, ask about telematics or usage-based insurance programs, and bundle with your home policy. Insure MB provides fast, no-pressure quotes — most within 24 hours — across multiple Ontario insurers.