Auto Insurance

It's simple. When you have a claim, we'll be there for you. Because we live here too.

In Ontario, the provincial government has established a standard Auto Insurance Policy that all 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.

Learn More

Read more about understanding auto insurance at the
Ontario government's site on auto

How to register and insure a vehicle in Ontario

Find a ServiceOntario Centre

Ontario Ministry of Transportation Winter Road Conditions


We know what drives you

A lot of companies can sell you auto insurance these days,
but not many of them have travelled the same roads
or have roots in the same hometowns.

That's the difference between just any company
and the Mutuals. We know you because we come
from the same place. We share the same community
values and regard for our neighbours.

That's a difference that matters.

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, you'll have to bear the cost on your own.

Optional coverage

Beyond mandatory coverage, there are options you may want to consider.

These include:

  • Higher accident benefit limits
  • Driving record protection
  • Emergency roadside service
  • Transportation replacement
  • Rental vehicle liability
  • Coverage for off-road vehicles and snowmobiles

Ways to save

You could be eligible to save more if you insure other vehicles or your home, farm or business with your Mutual. Seniors, retirees, new drivers, students living away from home, drivers with a short commute and drivers with theft deterrent devices could also qualify for added discounts. Based on specific circumstances, Mutuals policyholders can receive discounts on a wide variety of situations:

  • Farm Vehicle Rates
  • Multi Vehicle
  • Multi Policy
  • Long Term Policyholder
  • Retiree
  • Elite Driver Rates - for drivers over 50 years of age
  • Short Commute to Work - if less than 5km
  • Driver Training
  • Student Away at School
  • New Driver

Be sure to ask your Mutuals sales professional for more information. 


Yes, we cover:



Pleasure craft


*Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility and guidelines.