Whether you’re navigating Toronto traffic or commuting from Southwestern Ontario, you deserve car insurance that works for your life and budget. As your local independent broker, Regal Insurance compares policies from top providers to find you the best rate—with expert guidance, no call centres, and no stress.
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Ontario drivers pay some of the highest auto insurance premiums in the country, but that doesn’t mean you should settle. At Regal Insurance, we simplify the process. Our local brokers compare quotes across multiple insurers to find you the right coverage at the best possible price.
It’s smart, straightforward, and built for Ontario drivers. Let’s make your car insurance work for you.
Call or email us to get your free Ontario car insurance quote today.
Regal Insurance is your independent Ontario auto broker, focused on people, not platforms. We’re not just another insurance comparison site. Our licensed brokers work for you, not the insurers, delivering smarter guidance and better rates.
A Regal Insurance Broker will help you compare quotes from trusted Canadian providers, avoid unnecessary coverage and save money on your premiums. Speak with real experts who understand Ontario roads.
From quote to claim, Regal is with you every step of the way, whether online, by phone, or in person.
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.
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At Regal Insurance, we break down insurance coverage in plain English while helping you build a policy that balances cost, compliance, and comprehensive protection. Whether you’re driving a leased SUV in Toronto or a paid-off sedan in Kitchener, knowing what you’re covered for (and what you’re not) is essential.
Covers bodily injury or property damage you cause to others in a collision. The legal minimum in Ontario is $200,000, but this limit is rarely adequate. Most drivers increase coverage to $1 million or $2 million to protect against lawsuits, especially in high-cost injury claims. This is the core of civil liability protection in your auto policy.
Provides a package of no-fault benefits—medical and rehabilitation expenses, caregiver and non-earner benefits, income replacement, and funeral costs—if you’re injured in a collision. These apply whether you’re at fault or not and supplement the gaps in government health care. Optional upgrades to the standard SABS benefits are available for those seeking extended limits.
Pays to repair your vehicle when another party is at fault for the accident and the incident occurs in Ontario. With DCPD, you deal directly with your own insurer instead of pursuing compensation from the other driver’s provider. This ensures faster claims processing and less red tape.
Protects you and your family if you’re hit by a driver with no valid insurance or involved in a hit-and-run. This part of the policy also provides compensation in the event of death or serious injury, even if the at-fault driver can’t be identified. It’s critical protection in a worst-case scenario.
Pays for repairs or replacement if you crash into another car, a pole, or any stationary object—even if you’re at fault. This coverage is often required by lenders when leasing or financing a vehicle. Deductibles usually range from $500 to $1,000, and choosing a higher deductible can reduce your premiums.
Covers non-collision events that cause physical damage to your vehicle—like fire, theft, vandalism, weather events (hail, windstorms, flooding), or falling objects (like tree branches or ice). It’s essential if your vehicle has high market value or you park on the street.
Covers the cost of a rental car or alternative transportation while your vehicle is being repaired after a covered claim. Without it, you’d be on the hook for transit or rental costs during downtime. Coverage kicks in immediately after a claim is filed and is typically capped by dollar value or duration.
Ensures that if your new vehicle (typically less than 24–30 months old) is written off in a claim, you receive the full original purchase price, not the depreciated market value. This is especially valuable for vehicles that lose value quickly and helps you avoid an out-of-pocket gap when replacing a written-off car.
We partner with Canada’s top 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.
Raising your deductible, bundling policies, driving safely, or switching to usage-based insurance—these are just a few simple ways Ontario drivers can lower their premiums. A Regal broker can help you choose the right mix for real savings without sacrificing coverage.
Combine your home and auto insurance to maximize your savings.
Raising your deductible lowers your premium, but be sure it’s an amount you’re comfortable covering in a claim.
Brokers shop the market for you, saving time and often hundreds in premiums.
If you’re a safe driver, telematics programs can reward you with major discounts.
Life changes fast, so make sure your insurance keeps up.
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.
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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.
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....
