Auto Insurance

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Discounts are available from all Ontario auto insurance companies, although they vary by company. The following is a brief list of some of the commonly used discounts that may be available on your Ontario auto insurance policy. Click here to see more detailed information about Discounts.

Home and Auto Discount

It often pays to combine both your home and auto insurance policies with the same insurer. You may become eligible for a combined policy discount of typically 10%. You may qualify for this discount if it’s a homeowners, condo, or tenant insurance policy. Ask your broker which insurance companies are the best fit for you when combining home and auto policies.

Loyalty Discount

The longer you stay with your insurer the more likely they are to reward this with a loyalty discount. Often, if you have been with an insurance company for at least 3 years they will reward your loyalty with a discount of 5%. This is rewarded to you when you switch to a new company.

Retiree Discount

As a retired driver in Ontario you will qualify for a discount on your auto insurance policy. There are some eligibility requirements surrounding this discount including that you may not have any other part-time employment.

Mature Driver Discount

Insurers reward experience with an age discount, these increasing discounts are offered to mature drivers often over the age of 50.

Low Mileage Discount

Some insurers allow for discounts when you use your vehicle infrequently. Other discounts may apply depending on if your commute to work is shorter than average. Discuss with your broker if you think you are eligible.

Graduated License Discount

Insurers recognize when drivers complete their graduated license in Ontario by rewarding drivers with discounts that often apply for G2 and G license completion.


Note: Advise your broker when a driver listed on your policy has updated the license they hold, they may be eligible for further discounts.

Increased Deductible

As a last option, ask your broker to provide you quotes with increasing deductible values. Keep in mind that your deductible must be affordable to you at the time of a loss.

Hybrid Car Discount

Many insurers in Ontario now offer special Hybrid Car Discounts if your vehicle is a fully electric or hybrid vehicle. This discount is typically 5%. The policy will automatically qualify for this discount if you have an eligible vehicle meaning you do not need to request this discount.

Telematics Discount

The better you drive, the more you save. The Telematics discount rewards you with a discount by assessing your acceleration, braking, and the time of day that you drive. It does not account for locations, so whether you are in Toronto, Mississauga, Windsor, or driving across Ontario, you can save. Simply plug the Telematics dongle into your car and drive. This means you can save up to 25%* on your car insurance at renewal.

Winter Tire Discount

Beginning January 1st, 2016, you may receive a discount on your Auto Insurance premium when you install four winter tires on your vehicle.


Discount varies by insurer. Contact your broker for more information.

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