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

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Car insurance that takes safety to heart.
Protect your vehicle and your family. See how safe drivers save more with Onlia car insurance.
We help 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

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.
Our auto coverage comes loaded with all the insurance you need to drive in Ontario, plus premium coverages and features 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 Rentals

We cover rental cars if yours is being fixed or replaced after a claim.

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
Discounts galore.
We’ll apply eligible discounts to your car insurance quote automatically.

Home & Auto bundle

Graduated licensing





Winter Tires

Safe drivers save more.
Be part of a movement that’s championing road safety and getting rewarded for it.

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 more 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.
Onlia SenseTM is a mobile app that rewards safe driving. Onlia insurance customers can use the app to earn cash rewards. 

You can use Onlia SenseTM even if you don't have Onlia insurance. Rewards have no connection to insurance premiums.
Get Onlia SenseTM

What our customers say

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. We think it's a pretty sweet deal!

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.
  • Rental Automobile Package
    Get a compact rental while your claim is being settled.
  • 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.

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).

"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 includes coverage for damage to your car when you’re responsible for an accident. Situations like:

  • hitting another vehicle
  • hitting an unmoving object – a pole, wall, fence, etc.
  • single vehicle accident (e.g. skidding into a ditch)

Comprehensive includes coverage for the unexpected stuff: 

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

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 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.

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

Can't find what you were looking for? No worries, we've created a pretty comprehensive list of FAQs for you on our Customer Support page.