How the main options differ on price, underwriting speed and features — for an example profile (40-year-old driver in Ontario, 15+ years licensed, 0 tickets, 0 at-fault claims, standard vehicle, full coverage). Personalise it.
Breakdown
| Feature | Mandatory + liability | Full coverage | Full + endorsements |
|---|---|---|---|
| Estimated price | $106/mo | $171/mo | $197/mo |
| Underwriting | Driving record & vehicle | Driving record & vehicle | Driving record & vehicle |
| Core benefit | Province-required coverage | $1–2M liability | Rental car & waiver of depreciation |
| Key feature | Higher liability limit recommended | Collision & comprehensive | Lower deductibles |
| Watch out for | No collision or comprehensive | Accident forgiveness where eligible | Higher accident benefits |
| Ready? | Start | Start | Start |
Estimates are indicative ranges based on typical Canadian pricing for the example profile shown. They are not an offer of insurance. A licensed advisor confirms actual insurer quotes.
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Comparisons use Instasure’s pricing model and published product features. Insurers can’t pay to change rankings. Read our editorial guidelines and how we make money.
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