Ontario Auto Insurance Changes Coming July 1, 2026: What You Need to Know
Beginning July 1, 2026, Ontario is making changes to auto insurance to give drivers more choice and flexibility. Drivers will be able to choose benefits...

Keep your eyes on the road and your hands on the wheel. Ontario is now the fourth province to ban hand-held wireless communication devices or any hand-held electronic entertainment devices while driving. Drivers in Ontario are now prohibited by law to use hand-held cell phones, text or e-mail, or view laptops or DVD players while behind the wheel regardless of being at a stop-light or in heavy traffic.
Drivers who text, type, email, dial, or chat using a prohibited hand-held device can face fines of up to $500, as well as possible demerit points, license suspension and/or imprisonment.
The new law applies only to hand-held wireless communications and hand-held electronic entertainment devices. This means drivers must only operate wireless devices that can be used in a “hands-free” manner.
Recent studies show that cell phones can be a major source of distraction for many drivers. Cell phone users are four times more likely to be in an accident than a driver focused on the road. Dialing and texting carry the highest degree of risk with all cell phone-related activities.
Ontario joins more than 50 countries worldwide and a growing number of North American jurisdictions that have similar distracted driving legislation including Quebec, Nova Scotia, Newfoundland and Labrador, California and New York.
Beginning July 1, 2026, Ontario is making changes to auto insurance to give drivers more choice and flexibility. Drivers will be able to choose benefits...

Third-party liability insurance is the part of your auto insurance that protects you financially if you cause injury to another person or damage to their...
Comprehensive coverage is optional auto insurance that protects your vehicle from damage caused by non-collision events such as theft, vandalism, weather, and other unexpected incidents....
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