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Auto Insurance in Ontario

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The right coverage for your unique needs

At Allstate, we recognize that every driver has different needs. That’s why we believe that when it comes to getting car insurance in Ontario, you should get the tailored coverage that fits your lifestyle — and the personal care and service that meets your needs.

 

We also know that selecting the auto insurance that meets all your requirements isn’t easy — in fact, it can be downright overwhelming. However, that doesn’t have to be the case: our qualified agents in Ontario will take the time to learn and understand your needs. Let us help you tailor your policy so you can obtain the right coverage for your lifestyle and budget.

Why choose Allstate?

  • Discounts to help you save
  • Custom policies that fit your lifestyle
  • 24/7 claims support
  • Guaranteed repairs through preferred vendors
  • Easily manage your insurance online with myAllstate®

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Proudly protecting Canadians for over 65 years

Combine your auto and home insurance and save an average of $712*.

Proudly protecting Canadians for over 65 years

Combine your auto and home insurance and save an average of $712*.

* When you combine your home and auto insurance and take advantage of additional Allstate offerings, you may qualify for additional discounts as applied to Allstate’s current base rates. Terms and conditions and some limitations apply. Coverage, perils, discounts, and availability may vary by region. Rates and discounts subject to change.
Close-up of a hand holding a car-shaped keychain and a home-shaped keychain

Proudly protecting Canadians for over 65 years

Combine your auto and home insurance and save an average of $712*.

* When you combine your home and auto insurance and take advantage of additional Allstate offerings, you may qualify for additional discounts as applied to Allstate’s current base rates. Terms and conditions and some limitations apply. Coverage, perils, discounts, and availability may vary by region. Rates and discounts subject to change.

Get the features and add-ons that fit your needs

At Allstate, we want to ensure you’re getting the comprehensive car insurance coverage in Ontario that makes the most sense for you. That’s why you can choose from a number of optional add-ons and special features, including:

  • Collision or Upset: In the event of a collision with another vehicle or object (such as a tree or guardrail), your vehicle repair or replacement costs are covered (up to its actual value less your deductible). 
  • Comprehensive: In the event of damage not resulting from a collision, but instead by theft, vandalism, fire, falling objects, lightning, explosion, windshield damage, or impact with an animal, costs relating to the physical damage of your car are covered. 
  • All Perils: Combines Collision and Comprehensive coverages to provide you with the most complete coverage. 
  • Specified Perils: Covers only certain perils such as fire, lightning, windstorm, explosion, and theft.
  • Loss of Use: You will be reimbursed for the cost of alternative transportation (such as a rental car or taxi) while your vehicle is being repaired as a result of damage or theft.
  • Damage to a Non-Owned Vehicle: Provides coverage if you damage a rental car or another vehicle you don’t own.
  • Waiver of Depreciation: If your new vehicle (less than 36 months old) is damaged in an accident, no depreciation will be applied.

Drivewise® (for Ontario customers)

Drivewise is a great way for drivers to save up to 30% on their car insurance. It is an app that can be downloaded to your smartphone that gathers information about your daily driving habits. You get rewarded with insurance discounts for driving at safe speeds, less hard stops, and more.

 

Get a discount for signing up! PLUS download the TESTDrivewise app for FREE and get an additional 5% discount!**

  • ** In order to qualify for the Enrollment (10% in ON, AB, NS, NB, and PQ) and TestDrivewise discount (worth 5% and only in ON, AB, and NS), you must be enrolled in the program and have downloaded both Drivewise and/or the TestDrivewise apps. You will need a minimum of five trips recorded and submitted for validation to qualify for the TestDrivewise discount.
  • For user who only download TestDrivewise without enrolling in the Drivewise program, no discount will be applied. However, if you enrol in the Drivewise program without downloading the TestDrivewise app, you will only receive an enrollment discount.

Auto insurance discounts in Ontario

Get the right coverage at the right price. Here’s how you can save more with Allstate:

  • Claim Forgiveness: Feel confident that you will not be accountable for your first at-fault claim, so your rates stay low. Additionally, your second at-fault claim will not touch your rates once your first claim expires.***
  • Disappearing Deductible: Get excited knowing that your deductible declines every term you don’t make a claim.****
  • "Take Two" Advantage®: Combine your auto and property insurance for the best savings. 
  • Multi Vehicle: Get better rates when you insure more than one vehicle with us.
  • Click Discount: Sign up for a myAllstate account and save on your auto insurance policy (Ontario only).
  • Winter Tire Discount: If all of your tires have the winter tire designation, you are eligible for a discount on your auto insurance (Ontario & Alberta only).
  • Ticket Forgiveness: Your insurance rates won’t increase if you get a ticket for a minor driving offense.
  • Claim Satisfaction Guarantee: A unique new feature provided to auto customers for no extra charge. It’s a bold declaration of our confidence in how we care for and assist customers and put them in Good Hands. If for any reason you are dissatisfied with your auto claim experience, we will refund your premium.††
  • *** Rates will not be increased or surcharged if insured submits no more than one claim every 6 years.
  • **** Claim Forgiveness does not protect your Disappearing Deductible.
  • Not available for motorcycles or recreational vehicles. If no claims occur during a policy term, the deductible(s) on the qualifying vehicle(s) will automatically be reduced by $100 for a 12-month policy term or $50 for a 6-month policy term (to a minimum of $0) on the next policy renewal. Any vehicle to which this feature applies will be identified on the Certificate of Automobile Insurance. Where more than one vehicle is insured under this contract, this feature only applies to the vehicle(s) specifically identified. Claim Forgiveness does not protect your Disappearing Deductible.
  • †† Terms and conditions apply. Rates will not be increased or surcharged if insured submits no more than one claim every 6 years. Eligibility requirements, terms, and conditions apply. The bonus cheque reward will be sent to you prior to receiving your renewal offer.
This contains information about coverage offered by Allstate but does not list all of the conditions and exclusions that apply to the coverage described. The wording of the actual policy and local law will govern.

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