Auto Insurance

We are available to assist you with a new car, old car, antique car, or possibly a new driver in your household.  If you need guidance to understand all the changes to Ontario’s Auto Insurance, you can depend on an experienced Ives Insurance Broker to explain your options and help you make the best choice for your situation!

Here when you need us!

Complete the form below and an insurance specialist will contact you within 24 hours during our open business hours.

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Since each individual’s circumstances vary, there’s no one-size-fits-all response. Insurers determine premiums based on several factors:

  • Desired coverage type and amount
  • Vehicle make, model, and year
  • Driving history, including claims and traffic violations
  • Location
  • Vehicle usage (e.g., business, commuting, pleasure)

In Ontario, certain coverages are obligatory:

  • Liability coverage
  • Accident Benefits coverage
  • Uninsured Motorist or Uninsured Automobile coverage


Additional coverages can be added for increased protection. Your policy becomes active once you select your coverages and pay the initial premium. While not mandatory, Direct Compensation for Property Damage coverage is highly recommended for most drivers. Read why we recommend DCPD for most drivers.

Generally, vehicles with lower repair costs tend to have lower insurance premiums. When shopping for a new car and seeking optimal insurance value, an Ives Insurance Brokers advisor can provide a no-obligation quote for each model you’re considering.

Additional drivers may be eligible for inclusion on your policy. Consult with an Ives advisor to tailor coverage to your needs and explore eligibility for other drivers.

In Ontario, vehicle registration and license plate issuance require insurance. Proof of insurance is typically provided in the form of an insurance pink slip.

No, car insurance in Ontario is not subject to harmonized sales tax (HST) imposed by the provincial government.