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How to Save on Car Insurance in Ontario

Bundle your insurance policies

Insure multiple vehicles

Install winter tires

Preferred group insurance rates

Retiree discount

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Bundle Your Insurance & Save Up to 40%!

Unlock significant savings by combining your auto insurance and primary residence insurance into one comprehensive bundle.

Mandatory Coverages in Ontario

If you own a vehicle in Ontario, you are required to purchase the following auto insurance coverage:

  • Third-Party Liability Coverage | This section of your auto insurance policy protects you if someone else is killed or injured in an accident, or if their property is damaged. By law, you must carry a minimum of $200,000 in Third-Party Liability coverage but you have the option to increase this amount. 
  • Direct Compensation Property Damage | This section of your auto insurance policy covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents if another person was at fault for the accident. Even though someone else causes the damage, you collect directly from your own insurer. 
  • Accident Benefits | This section of your auto insurance policy provides you with benefits if you are injured in an accident, regardless of who was at fault. For example, it may cover funeral costs, medical costs, and income replacement benefits if you can’t work.

Optional Coverages in Ontario

  • Collision Coverage | This type of car insurance covers the cost of repair bills if you damage your vehicle in an accident by hitting an object or another car. The amount of coverage you have will depend on the coverage limits set in your policy.  There is also coverage available if you are the victim of a hit and run.
  • Comprehensive Coverage | This type of coverage pays for the cost of repairing or replacing your vehicle up to the actual cash value if it’s damaged by unexpected situations such as losses due to theft, fire, and glass damage.

There are also many additional endorsements that are optional but can be extremely beneficial for you as a vehicle owner. For example, you may qualify for accident forgiveness, or be able to purchase rental car insurance coverages.


Our clients love us! See what they have to say…

Youngs Insurance Brokers has never failed to assist in all our insurance needs,...always with patience and clear explanation on whatever information needed. Thanks to our broker.

Marifel N.


Wonderful company to deal with and they work with you to find exactly what you need. Rather than try and pitch you the cheapest product or the most expensive, they tailor your insurance to the coverage needed for you.

Greg M.

Niagara Falls

Youngs Insurance is a very good company and helped shop to find the best coverage for me. The team is super friendly and always make me feel welcome when I stop by the office.

Orest B.


Youngs Insurance Brokers are always so responsive and helpful. I am always able to hear back from within hours of sending email, and they are ready to help me get the best value for the products I need.

Sandrina N.

Niagara Falls

Very good broker, who cares about you as a client. Always helpful and can get you great value for your insurance.

Douglas L.


Great broker to have on your side! They review my policy every year at renewal time without me asking and shop around for the best price for the coverage I have.

Andrew F.

Niagara Falls

What Makes Us Different

Youngs Insurance Brokers has been in business for over 110 years and we are proud to have built relationships with some of the top insurance companies in Canada.

When you work with a Youngs insurance broker, we work for you, the consumer, not an insurance company. You get a partner and advisor that will work with you to compare options and plans with different insurance carriers to find you the best coverage, at the best rate. Our insurance brokers are also a great resource for any questions you may have and will be able to advise you on any additional discounts you may be eligible for.

Disclaimer: The information that appears on this page is provided for information purposes only. Offers may change without notice. Advertised product prices are not guaranteed and may vary based on the insurance provider and each person’s individual insurance profile. The overall savings percentage on the total amount of premium may thus vary depending on selected additional coverages if any. The insurance contracts prevail at all times. Please consult the insurance contracts for complete descriptions of coverage and exclusions. Featured rates are subject to policy conditions, limitations, and exclusions. 

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