Ontario Auto Insurance, Explained in Plain Language.

Ontario auto insurance is mandatory, complex, and changing significantly in 2026. McCAM advisors explain exactly what your current policy covers, what the 2026 reforms mean for your premiums and benefits, and how bundling with home coverage can reduce your overall cost.

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Ontario Auto Reform 2026: Changes to accident benefit limits and at-fault rules are taking effect. Read our plain-language guide →

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A driver's view from behind the wheel on a quiet Ontario country road at golden hour

What Ontario Auto Insurance Covers

Third-Party Liability

Mandatory coverage for damages or injuries you cause to others. Minimum $200,000 in Ontario — McCAM typically recommends $2M+ for adequate protection.

Accident Benefits (SABS)

Medical, rehabilitation, income replacement, and death benefits for you and your passengers — regardless of fault. 2026 reforms are changing the default benefit amounts.

Direct Compensation

Coverage for damage to your vehicle when another driver is at fault — paid directly by your insurer so you don't have to chase the other party's insurer.

Collision & Comprehensive

Optional but recommended. Collision covers your vehicle if you're at fault; comprehensive covers theft, vandalism, weather, and animal strikes.

Bundling: Home + Auto

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Save by Bundling

Most Ontario clients save 10–20% on their combined home and auto premiums by placing both policies with the same carrier. McCAM compares bundle packages across our full carrier panel to find the best combined rate — not just the bundled option from one insurer.

Bundling also simplifies claims — one carrier, one adjuster, one advocate.

check Multi-vehicle household discounts

check Usage-based insurance (telematics) programs

check Winter tire discounts

check Rideshare (Uber/Lyft) coverage available

Downloadable Guides