Affordable car insurance in Ontario 

Onlia’s cheap insurance rates include:

  • Premium coverage
  • Protection in a few easy steps
  • Automatically applied discounts

How to get the cheapest car insurance quote in Ontario 

Get an affordable car insurance quote from Onlia in minutes, and be covered as soon as the next day. Premium coverage at standard prices, with no paperwork required.

Affordable car insurance. Premium service.

Rewards for driving safely

With the Onlia Sense™ app on your phone, you can get rewarded with up to $40 cashback each month for safe driving.

Easily accessible


Customizable policies at your fingertips. Pick and choose your coverage limits to get affordable protection. Adjust your policy anytime online.

24/7 support


With 24/7 claims service, you'll have peace of mind knowing help is always here when you need it.

How is auto insurance from Onlia so affordable?

Onlia's base rates are competitive - plus, we offer a ton of discounts.
When you double (triple, and even quadruple) up on them, your premium can be lowered.

Conviction-Free discount

Save 20% when you have zero convictions over a three-year period.

Retiree discount

Retired drivers with a good driving record can save 5% on Accident Benefits coverage.

Multi-Vehicle discount

Save 20% on each vehicle you insure with Onlia.

Winter Tire discount

Save 2% for using winter tires.

Graduated Licensing discount

Save 10% off your first year when you get your G2 licence and have a good insurance history.

Renewal Loyalty discount

Save up to 5% after staying with Onlia for 3 years.

Learn about all our discounts here. Start saving more on insurance now.


24/7 claims service

A team of real people is ready to guide you through every step of a claim, make service appointments on your behalf and resolve your claim simply and fairly.

Earn rewards with Onlia Sense™ for driving safely

Our safe driving app uses telematics to score your driving on factors like speed and cornering.
Drive safely to earn rewards each month.

Up to $40 in cashback every month

Drive with Onlia Sense™ to earn monthly cash rewards (up to $480 annually) as an Onlia car insurance policyholder. That’s how you get to the cheapest car insurance in Ontario.

You’ll never be penalized by Onlia Sense™, only rewarded.
The app has no connection to your Onlia insurance premiums.
See our privacy notice.

Frequently asked questions


Along with all the coverage you need to legally drive in Ontario, every Onlia auto insurance policy comes standard with valuable features that other insurance carriers often try to upsell you on.

If you are eligible for any of the coverages below, we add them to your insurance automatically. No fuss.

  • 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 replace your vehicle instead of fixing it (if that’s what you want). After an accident, you can have your vehicle considered as a total loss if the damage estimate is more than three-quarters of it’s insured value.
  • Cancellation Freedom: Leave when you want, no strings attached and no cancellation fees.
  • 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.

"Full coverage" can mean different things depending on who you ask. We don't use the term officially, but for our purposes here, you can think of it as the mandatory coverage you need, plus Collision and Comprehensive coverage. 

Collision coverage pays for damage to your vehicle if you get into a collision with another object, or experience a rollover. You'll be financially protected if your vehicle is damaged after:

  • a collision with another vehicle
  • hitting a fixed object like a pole, wall, fence, etc.
  • rolling your vehicle (e.g. by skidding on ice)

If an event like this occurs, Collision covers the costs associated with towing, repairing, or replacing your vehicle up to its current value. While this coverage is not required by law, we recommend you include it for best protection against major out-of-pocket costs.

Comprehensive includes coverage for the unexpected stuff: 

  • fire
  • theft
  • vandalism
  • falling objects (hail, trees, alien spaceships, etc.)
  • flood
  • lightning
  • explosions
  • hail
  • earthquake

We recommend Collision and Comprehensive coverage 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 full coverage)
  • your lifestyle requires you to have access to a vehicle at all times

Note: "Full coverage" does not mean you have all the coverage you may need for your situation. When purchasing insurance, take some time to review all your options, including increasing your liability and accident benefits coverage.

There are certain coverages required by law that every driver in Ontario needs when it comes to auto insurance:

  • Third-party Liability: Protects you when you’re responsible for an auto accident in which someone else is injured, killed, or has their property damaged. 

  • Accident Benefits: Covers certain aspects of injuries to you/your passengers because of an automobile accident.

  • Direct Compensation – Property Damage (DCPD): Covers damage to your vehicle when you’re in an accident that’s not your fault. 

  • Uninsured Automobile: If you're in a collision where the other driver is at-fault but doesn't have insurance, we'll cover the damage to your vehicle. 

  • Family Protection: While this is not required by law, we think it's too important not to include. If you or a family member is hurt in a collision 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 benefit coverage).

We have some great additional coverages you should consider adding to your auto policy:

  • Increased Third Party Liability: 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 get around guarantee gives you more options when it comes to rental cars if your vehicle is damaged in an accident. 
  • Automobile Purchase/Leased Price Guarantee: Don’t let vehicle depreciation get you down. In the event of a ‘write off’, as long as you bought or leased your car new, we’ll pay to replace it with a new one that’s a similar make and model*.
  • Optional Accident Benefits Coverages: If the standard isn’t enough for your needs, no worries, you can purchase enhancements. 

* some restrictions apply – contact us for details.

Onlia policies come standard with all the coverage you need to drive legally, plus collision and comprehensive coverage.

You can opt out of collision and comprehensive coverage if you want liability coverage only. When getting a quote, simply deselect the checkboxes for collision and comprehensive coverage on the Coverage screen, however this is not something we recommend. The costs associated with vehicle repair or replacement can be extremely high.