We use cookies

We take your privacy seriously. We use cookies to personalize you content and make your digital experience better. Certain cookies may be collected with your consent

Personalize Your Cookies

Cookies are small files placed on your device. They allow us to remember your preferences and give us information on how you interact with our site. If you authorize cookies, they get stored on your device and we can access them on your future visits.

Essential Cookies (These cookies are required)

What are essential cookies?
Essential cookies allow you to access all our site features and to browse in an optimal and secure manner. They also let us ask for your opinion a. measure your satisfaction on a specific topic.

Renew your car insurance online and pay less

Renew with affordable car insurance rates online with Onlia.

Is it time to renew?

It’s better to be early than late when it comes to car insurance renewal. Car insurance is mandatory in Ontario and you won’t be able to drive without it.

You’d also be wise to shop around for lower rates because missing out on deals could cost you hundreds of dollars each year.

Jump into action before it’s too late and you’ll soon discover you’re stuck with expensive car insurance or, worse, no insurance at all.

Start looking at rates before your renewal date

You can find your policy’s renewal date on your insurance provider’s documents. And it’s even easier to find on the Onlia Insurance ™ app.

Give yourself plenty of time to shop around and compare prices. Onlia will notify you when it’s time to renew your insurance. It’ll take you five minutes and you’ll have your new insurance the next day.

Onlia car insurance rates are affordable, but without a sacrifice in coverage or quality. You build and manage your car insurance policy online, on your time. We pass savings on to you in the form of a low base premium and a ton of discounts.

Remember, with Onlia, you could save 20% on your home insurance and 15% on car insurance when you bundle.

Can I change car insurance before the renewal date?

It depends on your provider. With Onlia, you have the flexibility to change your policy any time you want, with no strings attached. With other providers, there may be a fee for cancelling your policy prematurely.

Switch to Onlia in 3 easy steps

  • Get a quote online in just a few minutes

    Fill in a few details to see your price. Checkout, and be covered as soon as the next day.

  • Customize your coverage & see your discounts

    Adjust your coverage based on your needs, and see how much you save with our instant discounts.

  • Manage your insurance online, anytime

    Log into My Account to make changes to your policy. No phone calls required.

What car insurance coverage do I need?

Renewing your car insurance is the perfect time to double-check your coverage. It’s all a part of ensuring you have the mandatory minimum amount and the right amount of additional coverage.

For example, if you work in a neighbourhood with higher crime rates, you may want more comprehensive insurance to cover vandalism and theft.

The benefit of having Onlia car insurance is that you can add or remove coverage as you need through the Onlia Insurance™ app 

or online. When you relocate to a different neighbourhood, you can always drop the extra comprehensive insurance and save money right away, even in the middle of a billing cycle.

If you renew your car insurance policy with Onlia, you can add:

  • Comprehensive: You will be covered for specific losses such as flood, theft, or hail
  • Collision: This will protect you from paying out of pocket if you hit something or if your vehicle rolls over
  • Uninsured driver: Protects you if you are in an accident with someone who does not

See what Onlia home insurance has to offer, get a quote and customize your coverage today.

What Onlia's car insurance covers

Our coverage covers your bases — everything that’s required to drive in Ontario comes standard in our car insurance policies. Plus, you'll get extra protection like Ticket and Accident Forgiveness at no added cost.

*Mandatory coverage

Accident Benefits*
Provides medical, rehab and funeral costs to you, your passengers and anyone else injured in a collision.
Third Party Liability*
Covers your legal liability, even if you’re partially at fault for an accident.
Uninsured Driver*
Protects you on multiple fronts, like if you collide with an uninsured driver, or are a victim of a hit-and-run.
Direct Compensation
Helps pay to repair your car when you're deemed not at fault in a collision.
Helps repair or replace your car in the event you collide with another car or object.
Includes coverage for damage or loss due to fire, theft, vandalism, and more.
Rental Car
You’ll have access to a rental car while yours is being repaired or replaced.
Family Protection
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 policy limit.
Ticket Forgiveness
Free for eligible drivers, your premium won’t increase over a minor conviction.
Accident Forgiveness
Free for eligible drivers, your premium won’t increase after your first at-fault accident.

Discover more about car insurance


Save more with Onlia Insurance

Our rates are competitive, but who doesn't want cheaper insurance? Onlia's premium discounts are already applied before you check out.