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As a newcomer or immigrant in Ontario, it can be challenging to find affordable car insurance. Insurance providers often require a Canadian driver’s license and may consider drivers without one to be higher-risk. However, there are a few strategies you can use to reduce the cost of your car insurance:

  1. Obtain a Canadian driver’s license: If you haven’t already done so, getting a Canadian driver’s license can help you qualify for more affordable car insurance rates. To get a driver’s license in Ontario, you will need to pass a written test, a vision test, and a road test.
  2. Shop around: Take the time to compare car insurance quotes from different providers. Some insurers may be more willing to work with newcomers or immigrants, while others may charge much higher rates. Be sure to get quotes from multiple companies to find the best rate.
  3. Consider a usage-based insurance policy: Some insurance providers offer usage-based policies, which are based on your actual driving habits. If you drive infrequently, a usage-based policy may be more affordable than a traditional policy.
  4. Look for discounts: Many car insurance providers offer discounts for various things, such as being a safe driver, having anti-theft devices in your car, or bundling your car insurance with other policies like home insurance. Ask your provider about any available discounts.
  5. Take a driver education course: Completing a driver education course can demonstrate to insurance providers that you are committed to being a safe driver. Some insurers may also offer discounts to drivers who complete such a course.

It’s essential to be honest about your driving history and other details when applying for car insurance, as failing to disclose information accurately can result in denial of coverage. Remember, there is no one-size-fits-all solution when it comes to car insurance, so it’s best to research and compare different options to find the best fit for your needs and budget.

Insurance Requirements in Ontario


In Ontario, there are certain insurance requirements that drivers must meet to legally operate a vehicle. These requirements include:

  1. Third-Party Liability Coverage: All drivers in Ontario are required to carry a minimum of $200,000 in third-party liability coverage. This coverage is designed to protect you in the event that you are found to be at fault in an accident and another party is injured or their property is damaged.
  2. Accident Benefits Coverage: All drivers in Ontario are also required to carry a minimum of $65,000 in accident benefits coverage. This coverage provides compensation for medical expenses, lost income, and other costs associated with injuries sustained in an accident, regardless of who is at fault.
  3. Uninsured Automobile Coverage: Ontario drivers are required to carry uninsured automobile coverage, which provides protection in the event that you are involved in an accident with an uninsured or unidentified driver.
  4. Direct Compensation Property Damage: In Ontario, drivers must also carry direct compensation property damage coverage, which provides compensation for damage to your vehicle or its contents in the event of an accident where another driver is at fault.

It’s important to note that these are the minimum insurance requirements in Ontario. Many drivers choose to purchase additional coverage to better protect themselves in the event of an accident or other incident. It’s always a good idea to speak with an insurance agent or broker to discuss your specific needs and find the right coverage for your situation.

As a newcomer to Canada, there are a few important things to keep in mind when it comes to car insurance:

  1. Car insurance is mandatory in most provinces: In most provinces, including Ontario, you are required to have car insurance to legally drive on the roads. Make sure to purchase the appropriate coverage as soon as you get a vehicle.
  2. Your driving record from your home country may not transfer over: Insurance companies in Canada typically look at your driving history to determine your insurance rate. If you have a good driving record from your home country, make sure to provide any supporting documentation to your insurance company to help reduce your rates.
  3. A Canadian driver’s license may be required: In order to qualify for some insurance policies, you may need to have a Canadian driver’s license. Make sure to obtain a license as soon as possible to avoid any issues with your coverage.
  4. Your rates may be higher initially: If you are a new driver in Canada or have no driving history in the country, you may be considered a higher risk and may have to pay higher insurance rates initially.

Remember, car insurance is an important investment to protect yourself and others on the road. Make sure to purchase the appropriate coverage and speak with an insurance professional if you have any questions or concerns.

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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