Auto insurance in Ontario is a mandatory policy covering third-party liability, accident benefits, and optional collision and comprehensive damage to your vehicle. The Insurance Lab compares personal, commercial auto and high-risk car insurance from 15+ Ontario insurers, including fleet, food truck, contractor truck and delivery driver coverage for Uber Eats, DoorDash and Skip.
Overview
Auto insurance is mandatory in Ontario, and the right policy depends on how you actually use your vehicle. The Insurance Lab compares rates from 15+ standard and specialty insurers, including Intact, Aviva, Wawanesa, Echelon and Pafco, across three categories: personal auto, commercial auto insurance Ontario (work vans, contractor truck insurance, fleet insurance and food truck insurance), and high-risk commercial auto for drivers with tickets, convictions or cancelled policies. We also place commercial vehicle insurance Toronto cost quotes for delivery drivers working with Uber Eats, DoorDash and Skip, where a personal auto policy will not respond to a claim. Whether you are a new driver, a contractor running a fleet, or a high-risk driver who has been declined elsewhere, our RIBO-licensed Ontario brokers will shop the market for you.
Who Needs This Coverage?
- New and young drivers in Ontario looking for affordable auto insurance
- High-risk drivers with tickets, at-fault accidents, convictions or licence suspensions
- Contractors and tradespeople needing contractor truck insurance and commercial van coverage
- Fleet operators across the GTA needing fleet insurance for 3+ vehicles
- Food truck owners needing combined commercial auto, equipment and liability coverage
- Delivery and rideshare drivers working with Uber Eats, DoorDash, Skip the Dishes or Instacart
- Drivers with international driving history relocating to Ontario
Coverage Details
- Third-Party Liability (minimum $1M required in Ontario, $2M recommended)
- Accident Benefits, statutory and optional extended coverage
- Collision and comprehensive coverage for your vehicle
- Commercial auto insurance Ontario for work vans, pickups and contractor trucks
- Fleet insurance for 3+ vehicles under one policy, with shared deductible
- Food truck insurance combining vehicle, on-board equipment and CGL
- Delivery and rideshare endorsements for Uber Eats, DoorDash and Skip drivers
- High-risk commercial auto through specialty markets including Echelon, Pafco and Facility Association
Example Scenarios
At-Fault Accident on Highway 401
Your collision coverage repairs your car while liability covers the other driver's damages and medical bills in Ontario.
Work Van Damaged on a Job Site
Commercial auto insurance covers repairs and a replacement vehicle so your Ontario contracting business keeps running.
Delivery Driver Rear-Ends Another Car
A personal policy usually voids the claim for paid deliveries, a commercial or rideshare endorsement covers Uber Eats, DoorDash and Skip drivers properly.
Fleet Owner Adds a New Truck
Fleet insurance lets you add and remove vehicles mid-term with one renewal date and shared limits across the fleet.
High-Risk Driver Declined by Standard Insurer
We shop Echelon, Pafco and Facility Association to find affordable coverage for drivers with tickets, convictions or cancellations.
Why Choose The Insurance Lab?
- Personal, commercial and high-risk auto insurance under one Ontario brokerage
- Specialists in commercial vehicle insurance Toronto cost comparisons across 15+ markets
- Contractor truck, fleet and food truck insurance placed with markets that understand each trade
- Rideshare and delivery endorsements for Uber Eats, DoorDash and Skip drivers
- Fast quotes, most clients get a competitive rate within 24 hours
Frequently Asked Questions
How much does auto insurance cost in Ontario?▼
The average auto insurance premium in Ontario varies based on your driving record, location, vehicle type and coverage level. The Insurance Lab compares 15+ insurers to find the lowest rate for your profile. New drivers typically pay more, but we access specialty markets that offer competitive rates even for high-risk drivers.
Can I get auto insurance with a bad driving record in Ontario?▼
Yes. The Insurance Lab works with specialty and non-standard markets like Echelon, Pafco and the Facility Association to place drivers with tickets, at-fault accidents, convictions or licence suspensions. We will find you coverage even when other brokers cannot.
Do I need commercial auto insurance for my work van in Ontario?▼
Yes. If you use a van or truck to carry tools, materials or products for a business, transport employees between job sites, or make deliveries for pay, you need commercial auto insurance in Ontario. A personal auto policy will typically deny a claim if the vehicle is being used for business at the time of the accident. The Insurance Lab places work van, contractor truck and fleet insurance through markets that specialize in commercial auto.
How much is commercial auto insurance in Toronto?▼
Commercial auto insurance Toronto cost generally runs from about $1,800 per year for a single contractor truck or work van up to several thousand per vehicle for fleets, delivery trucks or food trucks. Premiums depend on vehicle type, radius of operation, cargo, driver records and claims history. The Insurance Lab shops 15+ markets to find the lowest commercial vehicle insurance Toronto cost for your business.
Does my personal auto policy cover business deliveries for Uber Eats, DoorDash or Skip?▼
No. Standard personal auto policies in Ontario exclude deliveries made for pay, so a claim while driving for Uber Eats, DoorDash, Skip the Dishes or Instacart will typically be denied. You need a commercial auto policy or a rideshare / delivery endorsement. The Insurance Lab places delivery driver insurance with markets that properly cover gig and rideshare work.
Can I get high-risk commercial auto insurance after a cancellation or impaired conviction?▼
Yes. High-risk commercial auto is one of our specialties. Whether you are a contractor with an impaired driving conviction, a fleet that has been cancelled for non-payment, or a delivery driver with multiple tickets, we place coverage through high-risk markets like Echelon, Pafco and the Facility Association.