Car / Auto Insurance
Let’s Get Insured with Diamond Insurance Group
Whether you’re a new driver or looking to switch providers, Diamond Insurance Group makes getting auto insurance in Ontario simple and stress-free. We work with top insurers to find competitive rates and coverage that fits your life.
What Is Car Insurance and What Does It Cover?
Car insurance is a legal agreement that protects you financially if you’re involved in an accident or your vehicle is damaged, stolen, or causes harm to others.
In Ontario, all vehicles must carry a minimum level of coverage, including:
Third-party liability
(minimum $200,000—most drivers choose more)
Accident benefits
(medical, rehab, income replacement)
Direct Compensation – Property Damage (DCPD)
Uninsured automobile coverage
Optional add-ons include:
- Collision: Covers damage to your car from an accident
- Comprehensive: Covers theft, vandalism, fire, and more
- Loss of use, accident forgiveness, and other endorsements
Why Do I Need Car Insurance?
Car insurance isn’t just required by law—it protects your finances, your vehicle, and the people around you.
Driving without insurance in Ontario can result in fines, license suspension, and even vehicle impoundment.
Here’s what having the right coverage helps with:
Paying for damage or injuries after an accident
Covering your medical care and recovery time
Replacing your car if it's stolen or totaled
Avoiding personal lawsuits or major out-of-pocket costs
When Do I Need to Get Car Insurance—and Is It Mandatory?
In Ontario, you must have valid car insurance before you can register a vehicle or drive it legally.
Insurance is mandatory if:
- You own or lease a car
- You’re driving someone else’s vehicle regularly
- You’re financing a vehicle through a loan
- You’re using your vehicle for work (commuting or delivery)
If you’re switching providers, ensure there’s no lapse in coverage between policies.
How Much Does Car Insurance Cost in Ontario?
Your car insurance premium depends on several factors:
Your driving record and insurance history
Type, age, and use of your vehicle (personal or commercial)
Where you live (city driving can cost more than rural)
How often and how far you drive
Your age, gender, and years of experience
Optional coverage or discounts you choose
Our brokers shop top-rated insurers to find the right balance of price and protection for you.
Let’s Get You Started
Whether you’re insuring your first car or looking to save on your current premium, we’re ready to help.