Car Insurance in Ontario - Get a Quote & Buy Online | Onlia Insurance

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CAR INSURANCE
Drive safe and save on car insurance
Protect your car with Onlia insurance and save over $500* in safe-driving discounts. Quote and buy online. Cancel anytime.
Onlia helps keep what you
love safe and sound
We fix your car if it’s damaged
From fender benders to serious collisions, we'll make sure your vehicle is repaired or replaced.
We help you recover if you’re hurt
We cover medical and other expenses, so that you can focus on getting better – not how much it costs.
We’ll be there every step of the way
What good is insurance without good people behind it? For matters big and small, our caring team is here to help.
Insurance as easy as 1-2-3

Tell us about your vehicle
and drivers

Plug in a few details about your car and who drives it. It only takes a few minutes.
Entering vehicle information online

Choose your
coverage

We’ll build you a policy that you can customize to best fit your needs. Discounts you qualify for are added automatically.
A couple at home, shopping for insurance online. Onlia coverages listed in foreground.

Buy on the spot and
you’re done

Easily pay online, with coverage starting as early as tomorrow. No paperwork or phone calls needed.
Hands on a steering wheel
Standard coverage that goes way beyond standard
Onlia car insurance comes loaded with all the coverage you need to drive in Ontario, plus premium features and benefits at no added cost.

Increased Liability

Get $1 million in third-party liability coverage, with optional upgrade to $2 million.

75% Settlement Option

After a collision, have your vehicle repaired or replaced if the damage exceeds 75% of its value. Your choice.

Free Rental Cars 

We'll cover a rental car if yours is being repaired or replaced following a collision.

Accident Forgiveness

Keep your good driving record intact. Your first collision won’t increase your monthly bill.

Ticket Forgiveness

One slip-up shouldn’t cost you. Your first minor traffic ticket won’t increase your monthly bill.

Collision & Comprehensive

Physical damage protection against just about everything. Included with most policies, but optional.

 Onlia stand-out coverages.
Get a quote
Save with discounts
The safer you drive, the more you can save. We'll apply eligible discounts to your quote automatically.

Home & Auto bundle (10% on auto)

Graduated Licensing (10%)

Loyalty (up to 5%)

Claims-Free (up to 30%)

Multi-Vehicle (10%)

Retiree (5%)

Winter Tires (2%)

Safe drivers deserve rewards
Be part of a movement that’s championing road safety and getting rewarded with savings on insurance.

Discounts for claims-free drivers

An older man driving with the sun setting behind.
The longer you’ve gone without an at-fault collision, the more we’ll discount your premium. Drive safe and save up to 30% over time.
Calculate my discount

Earn cash rewards with Onlia SenseTM

A couple packing the truck of a car. Phones displaying Onlia Sense app in the corner.
The Onlia SenseTM mobile app helps you develop safer driving habits by scoring your driving and rewarding smart decisions. As an Onlia insurance customer, you can earn exclusive cashback rewards every month. 

You can earn rewards with Onlia SenseTM even if you don't have Onlia insurance. Rewards have no connection to insurance premiums.
Learn more

What our customers say

Frequently asked questions

Onlia car insurance includes all the mandatory coverage you need to drive in Ontario, plus valuable features and benefits that other companies often charge extra for. We think it's a pretty sweet deal.

With some qualifying conditions, every car insurance policy comes standard with:

  • Increased Liability
    We'll start you at $1 million in third-party liability coverage, with optional upgrade to $2 million.
  • Accident Forgiveness
    The first round is on us. We promise not to increase your premium if you get into your first at-fault accident, depending on how many years you’ve been driving with a clean record.
  • Ticket Forgiveness
    We get it, mistakes happen. Depending on how many years you’ve been driving with a clean record, we promise not to increase your premium over a minor conviction.
  • 75% Settlement Option
    We make it easier to have your vehicle replaced following a serious collision (if that’s what you want). With this option, you can have your damaged vehicle considered as a total loss, instead of having it repaired, if the damage estimate is more than three-quarters of the vehicle's insured value.
  • Cancellation Freedom
    Leave when you want. No strings attached, and no cancellation fees.
  • Rental Automobile Package
    We'll provide a free compact rental car while your car is being repaired or replaced following a collision.
  • Permission to Carry Paying Passengers
    This allows you to accept compensation for giving colleagues a ride to and from your workplace. A little gas money for you, and an easy commute for them. Note that this is not coverage for ride-sharing or taxi services like Uber, Lyft or Turo. You need a different kind of insurance for that.

Every driver in Ontario is legally required to have car insurance. It is mandatory that your coverage includes:

  • Third-Party Liability
    Protects you when you’re responsible for a vehicle collision in which someone else is injured, killed, or has their property damaged. 
  • Accident Benefits
    Covers certain aspects of injuries to you or your passengers that are sustained as a result of a collision.
  • Direct Compensation – Property Damage (DCPD)
    Covers damage to your vehicle when you're in a collision that is not your fault. 
  • Uninsured Automobile 
    If you're in a collision where another driver is at-fault, but doesn't have insurance, we'll cover the damage to your vehicle. 
  • Family Protection
    While not technically required by law, we think this coverage is too important not to include in our basic insurance package. If you or a family member is hurt in a collision that is caused by a driver who is underinsured, we'll cover the difference (up to your coverage limit). 

Our standard package includes all these components, so once you have it, you’ll be all set to hit the road.

Depending on your personal preference and lifestyle, you may want to consider further protection (like increasing your liability or accident benefits coverage).

Onlia car insurance policies come standard with Collision and Comprehensive coverage included. Also known as "full coverage." Both are highly recommended, but optional.

Collision includes coverage for damage to your car when you’re responsible for a collision. Situations like:

  • hitting another vehicle
  • hitting a fixed object, like a pole, wall, fence, etc.
  • single vehicle accidents (e.g. sliding into a ditch)


Comprehensive
 coverage offers protection for the unexpected stuff: 

  • fire
  • theft
  • vandalism
  • falling objects (hail, tree branches, etc.)
  • floods
  • lightning
  • explosions
  • hail
  • earthquakes
 
We recommend this level of protection if:
  • your vehicle’s value is not something you can comfortably afford to cover
  • your car is less than 7 years old
  • your vehicle is leased or financed (many lessors / lienholders may require you to have this coverage)
  • your lifestyle requires you to have access to a vehicle at all times

For added protection, you can consider these optional upgrades and benefits when purchasing your car insurance policy:

  • $2 Million in Third-Party Liability Coverage
    Minimize risk by boosting your liability coverage limit from $1 million to $2 million. 
  • Enhanced Rental Automobile Package
    Don’t want a basic rental car? Here’s your solution. Our enhanced rental car package gives you access to premium rental cars if yours is damaged in a collision. 
  • Automobile Purchase/Lease Price Guarantee
    Don’t let vehicle depreciation get you down. In the event of a total loss, we’ll pay to replace your vehicle with a new one that’s a similar make and model, as long as you bought or leased your car new*.
  • Optional Accident Benefits
    Accident Benefits help you recover if you or someone in your family is injured in a collision. If our standard set of benefits isn’t enough for your situation, you can purchase certain additional benefits and upgrades.

See full details about optional upgrades and benefits when you get a quote.

*Some restrictions apply – contact us to learn more.

Can't find the answer you were looking for here? Check out our comprehensive set of FAQs for more info about Onlia and our insurance products.