Compare coverage and save with trusted Canadian providers. Finding affordable car insurance in Ontario shouldn’t be complicated. At Regal Insurance, we make it easy to compare auto insurance quotes from top-rated insurers, whether you’re insuring a new vehicle, renewing a policy, or looking for better rates. Get customized coverage for your car, SUV, or truck, with expert support from licensed Ontario brokers.
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Regal Insurance is your go-to Ontario car insurance broker, working independently to help you, not the insurance companies. We shop the market and compare rates from top Canadian auto insurers to match you with the best policy for your vehicle, driving habits, and budget.
Whether you’re a new driver, switching providers, or renewing your coverage, we’ll help you every step of the way—from quote to claim.
Call or email us to get your free Ontario car insurance quote today.
From standard car insurance to coverage for high-risk drivers, young drivers, and even classic cars, Regal Insurance offers tailored solutions to meet your needs. Explore our auto insurance specialties below to find the right fit.
Reliable, everyday coverage for Ontario drivers, customized to fit your vehicle, driving habits, and budget.
If you’ve had tickets, accidents, or insurance cancellations, we can help you find coverage and get back on the road.
Designed for drivers under 25, our policies balance protection and affordability, with tips to help you save.
Newly licensed? We’ll walk you through the essentials and find the right first policy to build your driving record.
Protect your vintage or collectible vehicle with specialized coverage based on how—and how often—you drive it.
Lower car insurance premiums in Ontario thanks to mature driver discounts, clean driving records, and years of insurance history.
Finding auto insurance in Ontario doesn’t have to be complicated. At Regal Insurance, we make it easy to compare auto insurance quotes and choose the right policy, without the stress. As your independent Ontario insurance brokerage, we do the heavy lifting for you and compare rates from top insurers to find coverage that fits your vehicle, budget, and lifestyle.
We break down your options clearly—no fine print, no fluff—so you can feel confident you’re getting the protection you need at a fair price.
Our licensed brokers live and work right here in Ontario. We’re here for the long haul, helping you navigate changes, renewals, and claims with real, human support.
Proudly serving drivers across Ontario—from Kitchener and London to Mount Brydges, Cambridge, and Oakville—we’re committed to helping you drive protected.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
Fill out this short form and get your free, no-obligation auto insurance quote today!
In Ontario, auto insurance isn’t optional, it’s the law. But understanding exactly what your policy includes can give you peace of mind when the unexpected happens. At Regal Insurance, we’re here to help you make sense of it all, so you can feel fully protected behind the wheel.
Covers you if you’re held legally responsible for injuring someone or damaging their property in a collision. It helps pay for legal expenses, medical costs, and damage claims. The legal minimum is $200,000, but many drivers opt for at least $1 million for added protection.
Provides compensation if you’re injured in a car accident, regardless of who was at fault. This includes coverage for medical treatment, rehabilitation, income replacement, attendant care, and other benefits related to recovery. You can customize or increase these benefits based on your needs.
DCPD Covers damage to your vehicle and its contents when another driver is at fault, provided the accident occurs in Ontario and the other driver is insured. Rather than going through the other person’s insurer, you deal directly with your own, which simplifies the claims process.
Protects you if you’re involved in a hit-and-run or a collision with an uninsured driver. It provides coverage for injuries to you or your passengers, and may also cover damage to your vehicle caused by an uninsured motorist.
Covers the cost of repairing or replacing your own car if you’re involved in a collision, whether you’re at fault or not. This includes accidents with other vehicles or objects like guardrails, poles, or curbs.
Protects your vehicle from non-collision-related damage, such as theft, vandalism, fire, falling objects, or severe weather events (like hail or flooding). If something unexpected happens when you’re not driving, this is the coverage that steps in.
Covers the cost of a rental car or alternative transportation if your vehicle is being repaired due to a covered claim (like collision or comprehensive damage). This keeps you mobile while your car is in the shop.
Provides help if you’re stranded on the road. Depending on the insurer, this can include towing, battery boosts, flat tire changes, lockout assistance, and fuel delivery. It’s a convenient add-on that gives peace of mind during unexpected breakdowns.
We partner with Canada’s top auto insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Car insurance doesn’t have to break the bank. At Regal Insurance, we help drivers uncover smart ways to lower their premiums, without compromising on coverage or peace of mind.
We compare quotes from multiple trusted insurers to find you the best rate, so you can skip the legwork and start saving faster.
Combine your auto policy with home, renters, or business insurance to access multi-policy discounts and maximize your savings.
Increasing your deductible can reduce your monthly premium. We’ll help you find the right balance based on your driving habits and risk tolerance.
Safe driving pays off. Avoiding tickets and accidents helps keep your driving record clean, which insurers reward with lower premiums over time.
Your needs change and so should your coverage. We’ll help you reassess your policy annually to ensure you’re still getting the best value.
Want to learn more ways to save or better understand your coverage? Visit our Help Centre to explore articles on deductibles, discounts, policy add-ons, and more. We’re here to make car insurance simple, transparent, and tailored to you.
Already a Regal Insurance Brokers client? Access the tools you need—fast. Whether you want to file a claim, update your policy, or speak with your broker, we make it easy to stay protected and informed.
Get step-by-step guidance and support when you need it most. Start your claim online or speak to an expert.
Pay your premium with confidence using our secure online payment system.
Log in to view, download, or print your policy documents whenever you need them.
Book a time that works for you to speak with a Regal advisor—virtually or face-to-face.
In Ontario, all drivers are required to carry third-party liability coverage. This coverage protects you if you cause injury to others or damage their property in an accident. It’s part of the mandatory insurance requirements for all drivers.
Your driving history is a crucial factor in determining your insurance rates. Traffic violations, at-fault accidents, and claims can lead to higher premiums. Convictions remain on your driving record for three years, impacting your rates during that time.
Several factors influence your car insurance rates, including:
Each of these factors plays a role in the final premium you pay.
If you happen to be involved in a car accident in Ontario, remain at the scene and check for injuries. Ensuring the health and safety of those involved should always be your first priority. If anyone looks to be suffering from an injury, call 9-1-1 immediately.
Make sure to exchange driver’s licence and insurance information with the other driver(s) and gather evidence, including pictures and witness contact information, that may be useful to your auto insurance provider. In situations where there have been injuries, and/or the damages look to exceed $2000, you are legally required to call the police.
Contact your insurance company and provide them with the details of the accident.
At Regal Insurance, we offer flexible options to tailor your car insurance policy to your exact needs and budget. From adjusting your deductible to adding optional coverage like collision or comprehensive, we make sure you get the right protection.
High-risk drivers typically have a history of accidents, traffic violations, or other risk factors. If you fall into this category, you may need high-risk auto insurance. Our brokers can help you find the right policy and explain the options available for high-risk drivers in Ontario.
A deductible is the amount you agree to pay out-of-pocket when you make a claim. For example, if you have a $500 deductible, you’ll pay the first $500 of the repair costs, and your insurance will cover the rest. Choosing the right deductible helps balance premium cost and coverage.
Many auto insurance policies offer coverage for rental cars, but it’s essential to confirm with your broker. Some policies may not cover rentals, or they may offer limited coverage. It’s always best to check with your insurer before renting a car.
Collision insurance covers repairs to your vehicle if you’re at fault in an accident. Comprehensive insurance covers damages caused by non-collision incidents like theft, vandalism, or weather events. These types of coverage are often recommended for newer or higher-value cars.
It’s a good idea to review your car insurance policy annually or when significant life changes occur, like moving or purchasing a new vehicle. Regular reviews ensure your coverage still meets your needs and that you’re not overpaying for unnecessary coverage.
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