Switch & save on car insurance, it's that easy

Trusted online insurance that saves you more, up to $600 cashback monthly for driving safe.

Car insurance, clarified

Why go online for car insurance?

Onlia Insurance has built a platform to make it fast and easy to get a quote and purchase a car insurance policy.

That doesn’t mean we’ve gone totally AI. We have a caring customer support team that’s available to help you via phone, email, live chat, and even screen sharing. 

Is car insurance mandatory in Ontario?

You better believe it. In order to legally drive in Ontario, you need to be insured. There are also specific coverages that you

need to get – these include Direct Compensation and Property Damage, Uninsured Automobile, Third-Party Liability and Accident Benefits coverage.

How can you save more on car insurance?

Onlia Insurance can help you save money. We provide a wide variety of discounts on car insurance, which are automatically applied at checkout if you qualify. These discounts include 20% off car and 15% off home insurance when you bundle, 2% off when you equip your ride with winter tires, and more.

  • Buying Onlia Insurance

    Read more about eligibility and what qualifies you for Onlia car insurance.

  • Getting an online quote

    Save up to $750 when you switch. See your price and how much you could be saving.

  • Choosing your coverages

    Learn more about car insurance and find out how to build the perfect policy for you.

Why choose Onlia Insurance?


Always online

Buy insurance, manage your policy, and submit claims online at your convenience. Plus, download our app to access your pink slip from anywhere.

Get up to $600 cashback

Drive safely with the Onlia Insurance™ app to earn up to $50 every month — that’s an extra 30% off the average yearly premium.

Flexible policies

Adjust your coverage, add a driver, change to long-term parking, or bundle your insurance through My Account any time. On demand changes, no paperwork or phone calls required.

Privacy is our priority

We’ll keep you safe on and offline. Personal and sensitive information is always encrypted, stored, and transmitted securely.

A trusted provider

We’re backed by Fairfax Financial and Achmea, so we have the resources to make insurance simple. Like other trusted companies, we’re regulated by FSRA.

Add more, save more

Save 15% on home insurance and 20% on car when you bundle, and an additional 20% when you add more than one car to your policy.

Car coverages that go the distance

Onlia makes car insurance in Ontario simple, so you know exactly what you’re paying for and how you’re covered.
Collision coverage
Helps repair or replace your car in the event you collide with another car or object.
Direct Compensation
Helps pay to repair your car when you're deemed not at fault 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.
Accident Benefits
Provides medical, rehab and funeral costs to you, your passengers and anyone else injured in a collision.
Includes coverage for damage or loss due to fire, theft, vandalism, and more.
Accident Forgiveness*
We won’t increase your premium if you get into your first at-fault accident. *Free for eligible drivers.
Ticket Forgiveness
We won’t increase your premium over a minor conviction. *Free for eligible drivers.
Family Protection
Legal protection if you’re sued due to someone else's injury or property damage, even if it happens in another country.
75% Settlement
You can claim a total loss (if you want to) if the damage is more than three-quarters of your cars insured value.

What Onlia's car insurance covers

Onlia has coverages to suit all Ontario residents, plus whatever is mandatory, comes standard. We include extras like Ticket Forgiveness at no added cost. Get peace of mind that you’re protected by adding the coverages you need.

Coverage from Onlia

*Mandatory in Ontario

Direct Compensation*
Accident Benefits*
Third Party Liability*
Uninsured Driver*
Rental Car
Accident Forgiveness
Free for eligible drivers
Ticket Forgiveness
Free for eligible drivers

Save more on Onlia car insurance

Get discounts for being a new driver, having winter tires, and more. Discounts are automatically applied at checkout.