car insurance ontario can be pricey, as rates are some of the highest in Canada. Your premium will depend on factors like your driving record, age, vehicle, and location. To find the best rate, check comparison sites like Kanetix, Ratehub, and LowestRates.ca to compare quotes from different insurers. Many companies offer discounts for clean driving records, bundling, and winter tires, so it’s worth exploring those options. Ontario requires basic coverage like liability and accident benefits, but you may want to add optional coverage, such as comprehensive or collision, for extra protection.