Finding the right auto insurance in Ontario doesn’t have to mean calling multiple companies or guessing which coverage you need. As an independent auto insurance broker, PetleyHare compares policies across trusted insurers to help you find coverage that matches your driving habits, vehicle type, and budget. Whether you’re new behind the wheel or a seasoned driver, we’ve got you covered! Get a quote for free today and hit the road with peace of mind!
Your auto insurance should provide protection tailored to your needs.
At PetleyHare, we offer both mandatory and optional coverage options designed to meet Ontario’s driving requirements and your personal needs.
Liability coverage protects you from third-party claims.
Accident Benefits coverage protects you, your spouse and/or dependents and any drivers in your household who may be injured in an auto accident.
Direct Compensation – Property Damage protects your vehicle for not-at-fault collision damage in Ontario as long as the other party has verified insurance.
Collision and comprehensive insurance protect your vehicle from collision or hit & run damage, vandalism, theft, or natural events.
Our experienced auto insurance brokers are here to guide you through every step, from comparing quotes to customizing coverage. Talk to a local broker today to explore flexible options that work for your budget and driving habits.
Auto insurance in Ontario is designed to protect you financially if you’re involved in an accident, cause property damage, or suffer injuries. Provincial regulations require specific minimum coverage, but many drivers choose additional protection to avoid unexpected repair costs or liability exposure.
Understanding how Ontario’s no-fault system works - including accident benefits and direct compensation property damage (DCPD) - helps you choose coverage that fits your real-world driving risks.
If you’d like to get a car insurance quote, our experienced insurance agency can assist you in comparing car insurance rates and selecting a plan that fits your needs.
Why Use an Auto Insurance Broker?
When comparing auto insurance Ontario options, working with an independent broker gives you more flexibility and clarity. Instead of being tied to one company, we compare coverage and pricing across multiple trusted insurers to help you find the right car insurance Ontario solution for your needs and budget.
With an experienced auto insurance broker, you benefit from:
Access to multiple insurers through one point of contact
Clear explanations of your vehicle insurance Ontario coverage options
Help customize protection based on how and where you drive
Support when your situation changes, new vehicle, new driver, or claims
Ongoing advice to help keep your premiums fair and competitive
At PetleyHare, we make auto insurance brokerage simple, local, and personal, so you can make confident decisions without the stress of shopping alone.
Mandatory in Ontario, third-party liability coverage protects you financially if you injure someone or damage their property while operating your vehicle. This essential insurance plan helps you meet legal requirements and avoid high out-of-pocket costs in case of an accident. This coverage ensures you’re protected against potential claims under your automobile insurance policy.
Uninsured Motorist Coverage
Uninsured motorist coverage provides vital protection if you’re involved in an accident with a driver or vehicle with no insurance. This coverage will allow recovery for damages for injuries from hit-and-run scenarios where a vehicle is not identified or a driver does not have insurance, or for damage to your vehicle or personal property in scenarios where a driver does not have insurance, ensuring you’re not left vulnerable to unexpected expenses. It’s a key component of any auto insurance in Ontario, Canada, giving you peace of mind no matter who’s on the road.
Accident Benefits Coverage
Accident benefits coverage is mandatory in Ontario and goes beyond basic protection. It helps cover medical expenses, rehabilitation costs, and income replacement if you’re injured in an accident, as a driver or pedestrian, regardless of fault. This kind of coverage is especially valuable for ensuring your financial and physical recovery after an incident, making it a cornerstone of insurance products for Ontario drivers.
Optional Vehicle Insurance Coverage
Collision Coverage
Collision insurance ensures your vehicle is protected if you’re involved in an at-fault, single-vehicle, or hit-and-run accident. It covers the cost of repairs or the replacement value of your vehicle, helping you avoid financial strain. For drivers in Ontario, this coverage is important for maintaining peace of mind and meeting the needs of vehicle insurance policies.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from a wide range of non-collision incidents, including theft, vandalism, fire, and natural disasters. Whether you’re concerned about extreme weather in Ontario or other unforeseen events, this coverage is designed to keep your car safe from unexpected events that cause damage to your car, ensuring your insurance company will pay for covered repairs or replacements.
Direct Compensation Coverage
This coverage pays for the damage to your vehicle when another driver is at fault for an accident who has a verified insurance policy. It’s an important feature for ensuring your car is repaired or replaced without the stress of dealing with third-party insurance. As part of a robust auto insurance brokerage, we’ll guide you through adding DCPD coverage to align with your unique requirements.
These coverages form the foundation of a well-rounded auto insurance policy, helping you stay protected in various situations. Get an auto insurance quote today to explore these options and more.
Why Choose PetleyHare for Auto Insurance in Ontario?
100+ Years of Local Experience – We’ve been protecting Ontario drivers for over a century, with deep roots in the Durham Region.
Independent Broker Advantage – We compare auto insurance options across multiple trusted insurers to find coverage that fits your needs and budget.
Local, Personal Support – With offices in Oshawa, Port Perry, and Coboconk, you’ll always speak with a real broker.
Real People, Real Advice – No call centres. Just experienced brokers who take the time to explain your options and support you when it matters most.
What Our Clients Say About Us
Hearing from real customers is one of the best ways to understand the value of choosing PetleyHare as your auto insurance broker. Our clients often mention how easy it is to find an insurance plan that suits their needs and appreciate our support in keeping car insurance premiums fair and manageable. Their testimonials showcase the trust and confidence they have in us. Read our clients' testimonies to see how PetleyHare has made a difference for drivers across Ontario through reliable insurance products and personal service.
PetleyHare has been outstanding. Quick response, reliable rates, and comprehensive breakdowns. Especially appreciate working with Cassandra, who is patient and available with helpful information and is a pleasure to work with. She gets it, and we recommend her to everyone and anyone looking for an insurance broker.
Shane Morris
PetleyHare takes care of all of my insurance needs, from my boat and car to my home, they help me keep it all protected. They have an excellent, knowledgeable staff that can answer my questions immediately. The customer service here is top-notch, and they also provide it to me at a great rate.
Jo Thompson
Our Insurance Claims Process
Step 1: Submit Your Claim Online
Fill out the claim form on our website with your details, preferred contact method, and a brief description of your claim. Be sure to include important information such as the date of the incident, the type of claim, and any injuries or damages involved, and your proof of insurance.
Step 2: Initial Contact from a Representative
Once your form is submitted, one of our experienced representatives will review your claim and contact you using your preferred method to discuss the next steps. They will guide you through the process and answer any initial questions.
Step 3: Provide Additional Details
During the consultation, the representative may request more information, such as supporting documents or photos of the incident. This ensures we have everything needed to process your claim quickly and accurately.
Step 4: Claim Assessment and Resolution
Our team will assess your claim based on the provided information and work with you to determine the appropriate coverage and resolution. We’re committed to keeping you informed throughout the process.
Step 5: Receive Your Claim Outcome
Once the assessment is complete, we will provide you with a detailed resolution and the next steps. Whether it’s compensation or vehicle repairs, we’ll ensure you get the support you need promptly.
What We’ll Need to Get Your Auto Insurance Quote Started
Getting a car insurance quote is quick and straightforward. To provide accurate auto insurance Ontario options, we’ll ask for a few basic details:
Driver’s licence information – Licence number(s) and how long each driver has been insured or licensed
Address & driving habits – Where the vehicle is parked, annual kilometres driven, and commute details
Claims or convictions – Any recent accidents, tickets, or insurance claims (if applicable)
Once we have this information, your auto insurance broker can compare options across insurers and walk you through the best coverage choices for your situation.
Auto Insurance in Oshawa, Port Perry & Durham Region
Auto insurance rates in Ontario can vary based on where you live, commute distance, traffic patterns, and claims frequency. Drivers in surrounding Durham Region communities often see different pricing structures compared to larger urban centres.
Our local brokers understand these regional differences and help you compare coverage options that reflect your real driving environment.
Serving Durham Region and Communities Across Ontario
Get Your Car Insured With Trusted Auto Insurance Brokerage
We’re committed to providing coverage that fits your budget and gives you confidence every time you’re behind the wheel. At PetleyHare, our experienced brokers guide you through the process, answer questions clearly, and help you choose the right policy, without the runaround.
With offices in Oshawa, Port Perry, and Coboconk, we support drivers across the Durham Region. Contact one of our local offices today for a personalized quote and the protection you need.
Auto Insurance FAQs
Have questions about auto insurance? You’re not alone! That’s why we’ve compiled a list of questions to help you better understand all the ins and outs.
What Factors Affect Ontario Auto Insurance Rates?
Several factors influence Ontario auto insurance rates:
Driving Record: Your past accidents and violations impact your rates.
Vehicle Type: High-performance, high-value, or luxury cars often mean higher costs.
Usage & Location: Long commutes and busy areas can raise rates.
Coverage Choices: More coverage and lower deductibles can mean higher premiums.
Claims History: Recent claims can lead to increased rates.
Experience & Marital Status: Experienced and married drivers can get lower rates.
Security Devices: Anti-theft systems may earn discounts.
Driving Habits: Some insurers consider how you drive for rates.
Discounts: You can save with bundles, good student discounts, etc.
Previous Coverage: Your insurance history matters too.
Remember, different insurers weigh these factors differently. Comparing quotes from multiple insurers can help you find the best rate. Drive safe!
What Are Some of the Discounts Available to Lower My Premium?
We’re committed to helping you save. You can qualify for discounts in various ways, like bundling multiple policies, using winter tires, and having anti-theft devices in your vehicle.
Our team will ensure you get all the discounts you’re eligible for so you can enjoy the coverage you need at the best possible rate.
How Can I Lower My Auto Insurance Rates in Ontario?
You’re not alone in wanting to save on auto insurance! To lower your rates in Ontario, consider maintaining a clean driving record, bundling policies, and having safety features in your vehicle.
Our expert team can help you explore these options and find the best ways to save while keeping you protected on the road.
What Is the Average Cost of Auto Insurance for New Drivers in Ontario?
New drivers often wonder about the cost. While the average can vary, it’s generally higher due to limited driving experience. Factors like your age, type of car, and location play a role.
Our friendly team can give you a personalized quote that reflects your unique situation, helping you understand the cost and coverage tailored to you.
Can I Get Auto Insurance With a Bad Driving Record in Ontario?
Absolutely! Having a less-than-perfect driving record doesn’t mean you’re out of options. While it might affect your rates, we specialize in finding solutions.
Our team will work with you to explore coverage choices and discounts that can help make insurance more manageable, even if your record isn’t spotless.
What Is the Minimum Car Insurance Coverage Required in Ontario?
In Ontario, the minimum car insurance coverage for a vehicle operating on the road includes four essential components: third-party liability, accident benefits, and uninsured automobile coverage. Third-party liability protects you against legal and financial responsibility if you cause injury or property damage to others. Accident benefits provide coverage for medical expenses, rehabilitation, and income replacement regardless of fault. Uninsured automobile coverage safeguards you in case you’re in an accident with an uninsured or hit-and-run driver.
Can I Get a Discount for Bundling Auto and Home Insurance in Ontario?
Yes, bundling home and auto insurance is a popular way to save on your premiums. Many insurance providers in Ontario offer discounts for combining multiple policies under one provider. This not only simplifies your coverage but also helps you secure more affordable rates on both policies.
How Can I Get an Auto Insurance Quote in Ontario?
Getting an auto insurance quote in Ontario is simple. You can request a quote from various providers, but your best option is through an auto insurance broker – online, in person, or over the phone. Be prepared to provide details about your driving history, vehicle, and coverage needs to receive an accurate estimate tailored to your situation.
Does Vehicle Type Impact Auto Insurance Costs in Ontario?
Yes, the type of vehicle you drive significantly affects your auto insurance premiums. High-performance cars, high-value or luxury vehicles often come with higher rates due to their repair costs and risk profile, while vehicles equipped with safety or anti-theft features can qualify for discounts.
What Happens if I Don’t Have the Mandatory Auto Insurance Coverage in Ontario?
Driving without the mandatory car insurance in Ontario is illegal and can result in severe penalties, including fines, license suspension, and vehicle impoundment. Additionally, you would be personally liable for any damages or injuries caused in an accident. Ensuring you have the required coverage protects you legally and financially.
What Happens After You Click “Start Quote”
Getting started is simple, and you can choose how you want to connect.
Step 1: Submit your details online (it only takes a few minutes).
Step 2: We compare options across multiple insurers to find the best fit.
Step 3: We follow up your way, phone, text, or email, with clear recommendations and next steps.
You’ll get straightforward advice, no pressure, and coverage options that match your needs, budget, and driving habits, so you can move forward with your auto insurance quote.
Starting July 1, 2026, Ontario is making auto insurance more flexible. Some accident benefits that were previously included in every auto ...
